Liberty Mutual vs Amica Mutual Insurance Car Insurance

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Liberty Mutual or Amica Mutual Insurance:
Which Company is Best for You?

Deciding on an auto insurance company is complex: companies' rates differ based on your location, vehicle, and driving record, and companies offer an array of discounts. Liberty Mutual and Amica are two of the nation's top car insurance companies, providing high-quality coverage in most US states.

In an effort to take the sting out of shopping for car insurance, we gathered average rates from Amica and Liberty Mutual. The below cover an array of rating factors, including credit, driving infractions, and age. Take a look at these rates and find an affordable policy today.

 

Compare Liberty Mutual vs. Amica auto insurance rates

 

Liberty Mutual vs. Amica: by credit level

If you have very bad credit, Amica could be a better option for you. On average, Amica offers more affordable rates than Liberty Mutual for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should favor View common insurance rates by credit score for Amica and Liberty Mutual below.

 

CREDIT SCORE INSURANCE RATE COMPARISON: Amica VS. Liberty Mutual
Credit levelLiberty Mutual avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$3,228$2,010
Fair (580-669)$2,276$1,389
Good (670-739)$2,109$1,352
Very Good (740-799)$1,878$1,174
Exceptional (800-850)$1,792$1,057

 

Liberty Mutual vs. Amica: rates for high-risk drivers

If you are dealing with an at-fault accident, speeding violation, reckless driving violation, or DWI in your recent history, Amica could be a better choice than Liberty Mutual. Every insurance company enacts rate penalties differently, so it's worth comparing quotes to understand which insurer is best for you.

 

COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Amica VS. Liberty Mutual
ViolationLiberty Mutual avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$2,776$1,646
At-fault accident (damage > $1,000)$2,112$1,152
DUI/DWI$4,182$3,356
Reckless driving$3,459$2,761
Speeding ticket$2,068$1,390

 

Liberty Mutual vs. Amica: rates by age

Insurance companies use a driver's age to estimate risk, pricing policies accordingly. A car insurance policy is usually most expensive for beginning and young drivers — thanks to their inexperience — and more affordable for middle-aged drivers. Since each insurance company evaluates ages differently, it's worth shopping around and finding the best rate for you.

As a general rule, teen drivers should choose Amica before Liberty Mutual: the former's average annual rates are $1,193 less than the latter's..

 

AGE BRACKET INSURANCE RATE COMPARISON: Amica VS. Liberty Mutual
Age tierLiberty Mutual avg. annual premiumAmica avg. annual premium
Teens$6,559$5,366
20s$2,686$1,631
30s$1,942$1,631
40s$1,926$1,151
50s$1,793$1,105
60s$1,746$1,066

 

Costs aside, Liberty Mutual and Amica come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonLiberty MutualAmica 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 ComparisonLiberty MutualAmica Mutual Insurance
Financial Strength ExcellentSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

Other ProductsLiberty MutualAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesLiberty MutualAmica Mutual Insurance
About"Buy Online Now” option may qualify you for additional discounts. Here’s why 9 out of 10 customers recommend us: Customized insurance so you only pay for what you need Discounts that save you money Rated “A” by A.M. Best Company.At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service.
Roadside AssistanceLiberty Mutual offers 24-hour Roadside Assistance (covering towing to the nearest qualified repair facility, fuel delivery, jump starts, and unlocking vehicle doors) with the purchase of optional Towing & Labor coverage.Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility.
Additional DiscountsLiberty Mutual offers additional discounts for those who have recently moved and for the newly retired, newly married or newly graduated.Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy.
Recent QuestionsWhy did my rate increase for a $25 towing claim?

I used roadside & towing coverage once, my car was towed 2 miles, bill $75, insurance paid $25. I have ...

Can I get a refund for premiums I was forced to pay after accident?

Had a car accident and the insurance company declared it “totaled.” I live in NY state, was in a car ...

What’s the difference between a vanishing deductible and accident forgiveness

Kinda seems like they do the same thing. Do I need both? I have a new teen driver (17-year-old son) ...

Insurer refuses to give me my money back

On 11/06/2017: I receive a notice of Non-Renewal from Progressive Ins. Notice states that the policy will expire on 12:01 ...

See More Questions
Should I drop my 25yo son from insurance?

My 25-year-old son totaled one of our vehicles. If we drop him off our ins can we reduce/save major premium ...

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

I was backing out of my driveway and hit a tree while attempting to avoid other parked cars. Apparently I ...

See More Questions
Compare MoreLiberty Mutual vs. 21st Century Liberty Mutual vs. Allied Liberty Mutual vs. Allstate Liberty Mutual vs. American Family Liberty Mutual vs. Auto Club (AAA) Liberty Mutual vs. Erie Liberty Mutual vs. Esurance Liberty Mutual vs. Farm Bureau Mutual Liberty Mutual vs. Farmers Liberty Mutual vs. Foremost Liberty Mutual vs. GEICO Liberty Mutual vs. Infinity Liberty Mutual vs. Mercury Liberty Mutual vs. MetLife Liberty Mutual vs. Nationwide Liberty Mutual vs. North Star Mutual Liberty Mutual vs. Progressive Liberty Mutual vs. Safe Auto Liberty Mutual vs. State Farm Liberty Mutual vs. The General Liberty Mutual vs. The Hartford Liberty Mutual vs. Titan Liberty Mutual vs. Travelers Liberty Mutual vs. USAAAmica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. Allstate Amica Mutual Insurance vs. American Family Amica Mutual Insurance vs. Auto Club (AAA) Amica Mutual Insurance vs. Erie Amica Mutual Insurance vs. Esurance Amica Mutual Insurance vs. Farm Bureau Mutual Amica Mutual Insurance vs. Farmers Amica Mutual Insurance vs. Foremost Amica Mutual Insurance vs. GEICO Amica Mutual Insurance vs. Infinity Amica Mutual Insurance vs. Mercury Amica Mutual Insurance vs. MetLife Amica Mutual Insurance vs. Nationwide Amica Mutual Insurance vs. North Star Mutual Amica Mutual Insurance vs. Progressive Amica Mutual Insurance vs. SAFECO Amica Mutual Insurance vs. Safe Auto Amica Mutual Insurance vs. State Farm Amica Mutual Insurance vs. The General Amica Mutual Insurance vs. The Hartford Amica Mutual Insurance vs. Titan Amica Mutual Insurance vs. Travelers Amica Mutual Insurance vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

Liberty Mutual vs Amica Mutual Insurance

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