MetLife vs Amica Mutual Insurance Car Insurance

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

Choosing an auto insurance company is sometimes difficult: every company's rates differ based on your location, vehicle, and driving record, and insurers offer a variety of perks. MetLife and Amica are counted among the most popular car insurance companies, selling affordable policies across most of the US.

In an effort to simplify the insurance-shopping process, we've collected typical policy rates from Amica and MetLife. These rates cover myriad rating factors, including credit history, driving infractions, and demographics. Examine these figures and find an affordable policy today.

Want to find out more? Check out our reviews of MetLife and Amica.


Compare MetLife vs. Amica auto insurance rates


MetLife vs. Amica: pricing by credit score

If you have very bad credit, Amica could be the best option for you. On average, Amica offers more affordable rates than MetLife for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or higher — should favor View common insurance costs by credit score for Amica and MetLife below.


RATES BY CREDIT SCORE: Amica VS. MetLife
Credit scoreMetLife avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$3,495$2,010
Fair (580-669)$2,131$1,389
Good (670-739)$1,778$1,352
Very Good (740-799)$1,517$1,174
Exceptional (800-850)$1,293$1,057

MetLife vs. Amica: high-risk insurance rates

If you are carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI on your résumé, Amica could be a better choice than MetLife. Each auto insurance company will handle driving offenses differently, so it's worth comparing quotes to understand which insurer is best for you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Amica VS. MetLife
ViolationMetLife avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$2,598$1,646
At-fault accident (damage > $1,000)$1,679$1,152
DUI/DWI$3,219$3,356
Reckless driving$3,219$2,761
Speeding ticket$2,085$1,390

MetLife vs. Amica: rates by age

Car insurance companies use a driver's age to outline potential risk, assigning rates accordingly. A car insurance policy is often expensive for teen drivers — thanks to their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company rates ages in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose Amica instead of MetLife: the former's average annual rates are $1,068 less than the latter's..


RATES BY AGE: Amica VS. MetLife
AgeMetLife avg. annual premiumAmica avg. annual premium
Teens$6,434$5,366
20s$2,457$1,631
30s$1,598$1,631
40s$1,590$1,151
50s$1,520$1,105
60s$1,414$1,066

Aside from finances, MetLife and Amica come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonMetLifeAmica 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 ComparisonMetLifeAmica Mutual Insurance
Financial Strength SuperiorSuperior
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+

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Other FeaturesMetLifeAmica Mutual Insurance
AboutMetLife Auto & Home MyDirect’s 100% digital experience lets you easily buy and manage your policy all online – without ever speaking to an agent over the phone. It’s the first of its kind and backed by the experience of MetLife Auto & Home.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 AssistanceMetLife offers optional Towing & Labor Coverage to help reimburse you for towing and other roadside-assistance expenses.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 DiscountsMetLife offers additional savings through a Deductible Savings Benefit (available in select states), which enables you to earn $50 every year you don't make a claim, up to a maximum of $250 that may be used toward your deductible, if you have a covered loss.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 QuestionsWhose insurance pays for an accident after running a stop sign?
Unfortunately stop signs in parking lots are not the same as stop signs on the street when it comes to determining fault. Parking lot accidents are often difficult to assign fault for insurance companies so they may ultimately decide to cover only their own customer's damage by saying the that fault was 50/50 between the drivers.
Who is at fault if I opened my car door and it was hit by another driver?
In situations where a car door is opened and subsequently hit, fault is generally with the person who opened the door. There are scenarios where both drivers may share liability and each situation is different, so it's difficult to say with any certainty where fault lies.
Will a paraphernalia charge impact my auto insurance rate?
Tickets that impact your auto insurance rate are generally moving violations, so you probably don't have to worry about this showing up on your driving report. The exception would be if your drivers license was suspended because of the ticket, but the suspension is what would impact your rate and not the ticket itself.
If I'm involved in an accident driving my grandmother's car, will the damage be covered?
Luckily, most insurance policies allow for permissive use drivers, so the damage you caused should be covered under your grandmother's policy as long as you aren't a full-time driver. Unfortunately, your grandmother's insurance rate is likely to increase after the claim since it will be considered an At Fault accident.
See More Questions
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States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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MetLife vs Amica Mutual Insurance

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