Compare Allstate vs. Amica Insurance

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Allstate and Amica are two insurance companies that specialize in writing auto insurance policies. Allstate was founded in 1931, and Amica was founded some years earlier in 1907. Both companies have a wide range of discounts, as well as superior financial strength ratings and high J.D. Power ratings.

Amica has been praised for its quick follow-up and smooth claims process, but its customer satisfaction reviews were quite low and negative. Allstate made #7 on the “Top Ten Auto Insurers of 2015” list, and although it has a lot of discounts, its premiums are on the higher side.

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

  Allstate Amica Mutual
Best If Allstate
  • You want easy, online tools to access your account
Amica Mutual
  • You want a straightforward claims process
Worst If Allstate
  • You're looking for reasonably priced premiums
Amica Mutual
  • You’re relying on impeccable customer service

Special Car Insurance Discounts

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

Consumer Complaint Data

Allstate Insurance Amica Mutual Insurance
2016 322 29
2015 460 59
2014 569 66
2013 530 61

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Allstate Insurance Amica Mutual Insurance
A.M. Best A+ A++
Moody's Aa3 --
S&P's AA- A

Mobile Apps

Allstate Amica Mutual
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

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

Allstate Amica Mutual
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
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.