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 | ||
| 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 | Can I use my roadside assistance if I'm in my friends car? When you have roadside assistance through your insurance company, the service is only available on the vehicle that the coverage is listed. There are other roadside companies that will allow you to use the roadside no matter whose vehicle you are in. What do I do if my vehicle was totaled while parked?I would definitely involve your insurance company and let them know about the situation. The other driver's insurance company should be paying for your damage up to the limit of that policy, but if it doesn't cover everything then your current company should be able to help cover the rest. Do I need a police report to file a claim?Accidents that occur on private property do not require a police report in order to file a claim. Your familiarity with the other driver does not impact your ability to file a claim, however the fact that he is uninsured means that you will have to pay your deductible for the repairs. Do I contact the other driver's insurance company if they hit me while at the gas station?If the other party hit your vehicle, and it's pretty clearly they're at fault, then you should contact their insurance for repairs. Parking lot accidents or accidents that occur on private property can be difficult to determine fault, but it sounds like the incident is pretty straight forward. See More Questions | |
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