Mercury vs Amica Mutual Insurance Car Insurance

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

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.


Comparing car insurance rates: Mercury vs. Amica


Mercury vs. Amica: prices by credit level

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.


RATES BY CREDIT SCORE: Amica VS. Mercury
Credit levelMercury avg. annual premiumAmica 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

Mercury vs. Amica: costs for high-risk drivers

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.


RATES BY VIOLATION: Amica VS. Mercury
InfractionMercury avg. annual premiumAmica 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

Mercury vs. Amica: rates by age

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.


RATES BY AGE: Amica VS. Mercury
AgeMercury avg. annual premiumAmica 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 ComparisonMercuryAmica 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 ComparisonMercuryAmica Mutual Insurance
Financial Strength SuperiorSuperior
JD Power Rankings
2 out of 5
4 out of 5
User Satisfaction

A+

A+

Other ProductsMercuryAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesMercuryAmica Mutual Insurance
AboutRated 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 AssistanceMercury 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 DiscountsMercury 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 QuestionsWhat 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 ...

Do I need a police report to file a claim?

My son’s car was parked at his girlfriend’s parents house. While backing out of the driveway, her brother clipped my ...

Do I contact the other driver’s insurance company if they hit me while at the gas station?

I was filling up my car at the gas station and was hit from behind by a Jeep. My insurance ...

Can I add my golf cart to my insurance policy?

I just got a shiny new golf cart. It was expensive and I want to make sure it’s covered if ...

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 MoreMercury vs. 21st Century Mercury vs. Allied Mercury vs. Allstate Mercury vs. American Family Mercury vs. Auto Club (AAA) Mercury vs. Erie Mercury vs. Esurance Mercury vs. Farm Bureau Mutual Mercury vs. Farmers Mercury vs. Foremost Mercury vs. GEICO Mercury vs. Infinity Mercury vs. Liberty Mutual Mercury vs. MetLife Mercury vs. Nationwide Mercury vs. North Star Mutual Mercury vs. Progressive Mercury vs. SAFECO Mercury vs. Safe Auto Mercury vs. State Farm Mercury vs. The General Mercury vs. The Hartford Mercury vs. Titan Mercury vs. Travelers Mercury 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. Liberty Mutual 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 Georgia Illinois Nevada New Jersey New York Texas VirginiaArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Mercury vs Amica Mutual Insurance

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