Deciding on a car insurance company is complex: rates can vary based on your driving history, age, and location, and companies offer an array of perks. Mercury and Amica are two of the top insurers, selling affordable policies across most of America.
To help simplify the comparison process, we have gathered typical costs from Amica and Mercury. These take into account a variety of pricing components, including credit, driving behavior, and age. Take a look at these rates and find an affordable policy today.
Want to learn more? Consult our comprehensive reviews of Mercury and Amica.
If you have very poor credit, Mercury could be a better option for you. Typically, Mercury offers lower prices than Amica for prospective clients with credit scores of lower than 580. Drivers with excellent credit — a score of 800-plus — should lean toward View common insurance rates by credit level for Amica and Mercury below.
| Credit score | Mercury avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $1,115 | $2,010 |
| Fair (580-669) | $1,115 | $1,389 |
| Good (670-739) | $1,290 | $1,352 |
| Very Good (740-799) | $1,115 | $1,174 |
| Exceptional (800-850) | $1,115 | $1,057 |
If you are saddled with an at-fault accident, speeding ticket, reckless driving citation, or DUI in your recent history, Amica could be a better choice than Mercury. Every car insurance company prices its policies differently, so always do your due diligence and compare quotes to understand which insurer suits you.
| Violation | Mercury avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $1,822 | $1,646 |
| At-fault accident (damage > $1,000) | $1,125 | $1,152 |
| DUI/DWI | $1,882 | $3,356 |
| Reckless driving | $1,882 | $2,761 |
| Speeding ticket | $1,457 | $1,390 |
Insurance companies rely on a driver's age to outline potential risk, assigning rates on a sliding scale. Insurance is usually more expensive for teen drivers — thanks to their inexperience — and more affordable for middle-aged drivers. Since every insurance company prices age tiers differently, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose Mercury over Amica: MERCURY offers average yearly savings of $1,949 versusAmica.
| Age | Mercury avg. annual premium | Amica avg. annual premium |
| Teens | $3,417 | $5,366 |
| 20s | $1,554 | $1,631 |
| 30s | $1,131 | $1,631 |
| 40s | $1,115 | $1,151 |
| 50s | $1,086 | $1,105 |
| 60s | $1,034 | $1,066 |
Affordability aside, Mercury and Amica each carry pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Mercury | Amica Mutual Insurance |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Mercury | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Below average | Above average |
| User Satisfaction | N/A | N/A |
| Other Products | Mercury | Amica Mutual Insurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |