Compare Amica Mutual vs. 21st Century Insurance

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21st Century and Amica are two big names in the insurance world. 21st Century was founded in 1958, and Amica was founded in 1907. Amica’s claims process is prompt and straightforward, and it will keep your rates low if you’re a low-risk client. On the flip side, 21st Century offers excellent customer service, multiple discounts, and affordable premiums.

However, Amica sometimes has faulty customer service, and 21st Century is known to increase people’s rates. Still, both companies have comparably long discount lists and excellent financial strength ratings. Amica ranks superior to 21st Century though, with 5 out of 5 stars from J.D. Power.

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

  Amica Mutual 21st Century
Best If Amica Mutual
  • You want a straightforward claims process
21st Century
  • You want good customer service
Worst If Amica Mutual
  • You’re relying on impeccable customer service
21st Century
  • You want affordable premiums; 21st Century has been known for increasing people’s premiums by incredible amounts

Special Car Insurance Discounts

Amica Mutual 21st Century
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.

21st Century

Standard Car Insurance Discounts

Bundling Coverage Discounts Amica Mutual 21st Century
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Amica Mutual 21st Century
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 Amica Mutual 21st Century
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Amica Mutual 21st Century
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Amica Mutual 21st Century
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Amica Mutual 21st Century
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Amica Mutual Insurance 21st Century Insurance
2016 29 4
2015 59 2
2014 66 9
2013 61 3

U.S. Auto Insurance Shopping Study (2016)

Amica Mutual Insurance 21st Century Insurance
Overall Purchase Experience Above average Below average
Policy Offerings Above average Below average
Pricing Average Below average
Local Agent Average Below average
Call Center Representative Among the best Below average
Insurer Website -- Among the best

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

Amica Mutual Insurance 21st Century Insurance
Overall Satisfaction Among the best Average
First Notice of Loss Among the best Below average
Service Interaction Average Average
Appraisal Among the best Average
Repair Process Average Below average
Rental Car Experience Below average Average
Settlement Among the best Average

Financial Strength Ratings

Amica Mutual Insurance 21st Century Insurance
A.M. Best A++ A
Moody's -- --
S&P's A A+

Mobile Apps

Amica Mutual 21st Century
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

21st Century

The 21st  iPhone app lets you view and pay insurance bills as well as have 24/7 access to your policy information and insurance ID cards. You can also report a claim, document details through the app, and contact roadside assistance. Download the app for iPhone here

Roadside Assistance

Amica Mutual 21st Century
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. 

21st Century

21st Roadside Assistance

As a policy holder at 21st Century you are automatically enrolled in the roadside assistance program. At no additional cost or no additional coverage on your policy, 21st Century gives policy holder access to 24-hour roadside service.

21st Century roadside assistance applies to labor only. That is the cost of a roadside technician to service your vehicle and towing to the nearest repair facility. The cost of parts such as tires, batteries, belts and gasoline are not covered.

Roadside Services Covered

  • Towing
  • Jump start
  • Flat tire change
  • Gas delivery
  • Locksmith services

Contact Phone Number

The 21st Century Roadside Assistance Hotline: 1 (888) 244-6163.