Compare Amica Mutual vs. American Family Insurance

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Amica Mutual and American Family are two big names when it comes to auto insurance. Amica was founded in 1907, and American Family was founded 20 years later, in 1927. American Family is ranked the #6 auto insurer for 2016, and offers excellent additional coverage and reliable agents. Meanwhile, Amica is liked for its quick follow-up and claims process.

However, Amica’s customer service has received low satisfaction ratings, and the company is notorious for dropping clients without advance notice. Still, its financial strength and J.D. Power ratings are superior to those of American Family, whose lack of follow-up on claims and complaints hurt its scores.

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 American Family
Best If Amica Mutual
  • You want a straightforward claims process
American Family
  • You want many discount options or additional coverage
Worst If Amica Mutual
  • You’re relying on impeccable customer service
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

Special Car Insurance Discounts

Amica Mutual American Family
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.

American Family

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance American Family Car Insurance
2016 29 33
2015 59 32
2014 66 18
2013 61 9

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Amica Mutual American Family
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

American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

Roadside Assistance

Amica Mutual American Family
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. 

American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).