Compare Amica Mutual vs. Country Financial Insurance

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Two well known insurance companies in the auto insurance industry are Amica Mutual and Country Financial. Amica was founded in 1907, a couple decades later Country Financial was founded—in 1925. Amica is liked for its straightforward claims process, while Country Financial is liked for its discounts and simple online platform.

However, Country Financial has a rather limited online quoting system and Amica has mediocre customer service. Nonetheless, both companies have superior financial strength and A+ ratings from the Better Business Bureau.

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 Country Financial
Best If Amica Mutual
  • You want a straightforward claims process
Country Financial
  • You want good discounts and a simple online platform
Worst If Amica Mutual
  • You’re relying on impeccable customer service
Country Financial
  • You want an extensive online quote system--Country Financial’s is quite limited

Special Car Insurance Discounts

Amica Mutual Country Financial
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.

Country Financial

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance Country Financial Car Insurance
2016 29 4
2015 59 2
2014 66 2
2013 61 4

U.S. Auto Insurance Shopping Study (2016)

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

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

Amica Mutual Insurance Country Financial 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 Average
Settlement Among the best Below average

Financial Strength Ratings

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

Mobile Apps

Amica Mutual Country Financial
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

Country Financial

Snap N Send by Country Financial is an app that lets you record your Vehicle Identification Number (VIN) and take photos of the damages to your vehicle. You can then send the photos to Country Financial and get a repair estimate within minutes. To download Snap N Send, click here.

Roadside Assistance

Amica Mutual Country Financial
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. 

Country Financial

COUNTRY FINANCIAL Road Service

COUNTRY Road Service coverage on your policy will cover up to $100 for a tow to the nearest service center. Also, pay up to $100 for locksmith services and gas delivery.

Services Covered

  • Towing
  • Locksmith
  • Gas deliver

Contact Phone Number

For towing or other roadside services, you can call 866-COUNTRY (866-268-6879).

Roadside assistance is available 24 hours a day, 7 days a week.