Compare Amica Mutual vs. American Family Insurance

Amica Mutual and American Family are two big names when it comes to auto insurance. American Family was ranked the #6 auto insurer for 2016. It offers great extra coverage and reliable agents. But the lack of follow-up on claims and complaints hurt its scores. Amica is liked for its quick follow-up and claims process.

Amica’s customer service has received low satisfaction ratings. And the company is known to drop clients without notice. Still, its financial strength and J.D. Power ratings are superior to those of American Family.

So which one offers the discounts, services, and 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 great customer service
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

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Comparing quotes is the best way to get the lowest rates from top insurers like Amica Mutual and American Family. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

Amica Mutual American Family
Amica Mutual

Legacy Discount. For drivers under 30 who have been with Amica under a family member’s insurance policy.

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

Electronic Stability Control Discount. For cars with four-wheel electronic stability control system.

Platinum Choice Auto. 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 car all in one package. Some of the benefits of Platinum include being able to customize your package policy with single coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

American Family

Teen Safe Driver Program

American Family's home website says its 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

This special policy allows classic car owners provides coverage that aligns with the car's value. American Family helps create a personalized policy that gives these cars the protection they need.

Standard Car Insurance Discounts

Bundling Coverage Discounts Amica Mutual American Family
Home and Car
Car and Life
Vehicle Type and Safety Features Amica Mutual American Family
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 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
Special Circumstances Amica Mutual American Family
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Amica Mutual American Family
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. This app helps you access the company’s website from your mobile device. Use it to 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

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. Use it to contact or search for nearby agents, file or view an auto claim, and make insurance payments. The app is downloadable for iPhone or Android here.


This app 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. If you need to file a claim, all your information on your belongings is right there in your hands. Download DreamVault here

Roadside Assistance

Amica Mutual American Family
Amica Mutual

Amica Roadside Assistance

Roadside Assistance is part of Amica's Towing and Labor coverage add-on to your current auto policy. Even without Towing and Labor coverage, Amica roadside assistance can still help you get service to your car.

Roadside Services Covered

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

Contact Phone Number

Call 866-286-9968 to receive help on the road right away. 

American Family

American Family Emergency Roadside Service

Service's include. mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, and battery charges. You can also get locksmith services if you’re locked out.

Add this to your existing auto policy for help 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

Call 1 (800) MYAMFAM (1-800-692-6326)