Picking an auto insurance company is complex: rates can vary based on your location, vehicle, and driving record, and every company provides a different set of discounts. Mercury and Amica are counted among America's most popular auto insurance companies, providing competitively priced policies in most American states.
To make insurance shopping seamless, we've gathered average rates from Amica and Mercury. These rates cover a variety of rating factors, including credit rating, driving infractions, and age. Examine these figures and find an affordable policy today.
If you have extremely bad credit, Mercury could be a better option for you. On average, Mercury offers lower rates than Amica for drivers with credit scores of less than 580. Insurance shoppers with excellent credit — a score of 800 or better — should opt for View typical insurance rates by credit score for Amica and Mercury below.
| Credit level | 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 dealing with an at-fault crash, speeding ticket, reckless driving violation, or DWI in your rear view mirror, Amica could be a better choice than Mercury. Each car insurance company will handle driving offenses differently, so it's worth comparing quotes to find out which insurer is best for you.
| Infraction | 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 use age as an estimator of risk, assigning rates accordingly. A car insurance policy is often expensive for beginning and young drivers — due to their inexperience — and more affordable for older drivers. Because every insurance company prices age tiers differently, it's smart to shop around and find a great rate.
As a general rule, teen drivers should choose Mercury instead of Amica: Mercury offers average yearly savings of $1,949, compared to Amica.
| 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 |
Aside from finances, Mercury and Amica each come with pros and cons, including their customer satisfaction ratings, discount programs, 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 | 2 out of 5 | 4 out of 5 |
| User Satisfaction | A+ | 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 |
| Other Features | Mercury | Amica Mutual Insurance |
|---|---|---|
| About | Rated A+ by AM Best, Mercury Insurance has been saving customers money on home and auto insurance since 1962. | 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 Assistance | Mercury offers roadside assistance as an optional addition to your policy which provides coverage 24/7 for things like reimbursement for locking keys in your car, a flat tire change, and even a tow up to the limit on your policy. | 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 Discounts | Mercury insurance offers additional accommodations to military service members like accepting out of state licenses, physical damage only coverage, and more! | 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 Questions | What do I do if my vehicle was totaled while parked? My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ... My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ... I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ... I just got a shiny new golf cart. It was expensive and I want to make sure it’s covered if ... | |
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| States Offered | Arizona California Florida Georgia Illinois Nevada New Jersey New York Texas Virginia | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |
