Compare AAA vs. Amica Mutual Insurance


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Both AAA and Amica have become big names in the auto insurance business since they were founded in the early 1900s. They’ve also developed their own strengths and weaknesses between then and now. AAA is known for its three-tier roadside assistance service and easy-to-use online components, while Amica is quick to follow up on accidents and efficiently works through the claims process.

However, Amica also is known for dropping customers without advanced notice and AAA charges customers who make more than four service calls for roadside assistance in a year. Still, both companies provide plenty of discounts, and both have excellent financial ratings.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Amica Mutual
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
Amica Mutual
  • You want a straightforward claims process
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
Amica Mutual
  • You’re relying on impeccable customer service

Special Car Insurance Discounts

AAA Amica Mutual

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
Amica Mutual

Legacy Discount is available to those under 30 and who have been with Amica under a family member’s insurance policy.

Anti-Theft Devices Discount is awarded to customers who install anti-theft devices like an alarm system, active or passive alarms, or vehicle recovery/tracking systems.

Electronic Stability Control Discount is available if your car has a factory-installed four-wheel electronic stability control system.

Platinum Choice Auto is another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can acquire multiple levels of security for your automobile all in one package. Some of the benefits of Platinum include being able to customize your package policy with individual coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Amica Mutual
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Amica Mutual
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Amica Mutual
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Amica Mutual
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances AAA Amica Mutual
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Amica Mutual
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Amica Mutual Insurance
2016 29
2015 59
2014 66
2013 61

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Amica Mutual Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Above average
Pricing Average Average
Local Agent Average Average
Call Center Representative Above average Among the best
Insurer Website Average --

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Amica Mutual Insurance
Overall Satisfaction Above average Among the best
First Notice of Loss Above average Among the best
Service Interaction Above average Average
Appraisal Average Among the best
Repair Process Among the best Average
Rental Car Experience Above average Below average
Settlement Above average Among the best

Financial Strength Ratings

AAA Car Insurance Amica Mutual Insurance
A.M. Best A+ A++
Moody's -- --
S&P's A A

Mobile Apps

AAA Amica Mutual

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

Amica Mutual

Amica Mobile lets you access the company’s website from your mobile device. From there, you can make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile here

Roadside Assistance

AAA Amica Mutual

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
Amica Mutual

Amica Roadside Assistance

Roadside Assistance is available from Amica thru a Towing and Labor coverage add on to your current auto policy. Regardless if you're purchased Towing and Labor coverage, Amica roadside assistance can still help you get service to your vehicle.

Roadside Services Covered

  • Towing (non-accident related)
  • Changing flat tires
  • Jump-start battery
  • Delivering fuel
  • Unlocking doors

Contact Phone Number

You can reach roadside assistance at 866-286-9968 to receive help on the road almost instantly.