Compare Amica Mutual vs. Erie Insurance

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Amica Mutual and Erie are two top rated companies in the world of insurance. Amica was founded in 1905, 20 years later, in 1925 Erie was founded. Amica offers a straightforward claims process and low insurance rates for low risk clients, while Erie has excellent customer service.

However, Erie has rather expensive insurance premiums and Amica has subpar customer service. Even so, both companies have superior financial strength ratings and excellent J.D. Power Ratings.

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 Erie
Best If Amica Mutual
  • You want a straightforward claims process
Erie
  • You want excellent customer service
Worst If Amica Mutual
  • You’re relying on impeccable customer service
Erie
  • You want more affordable insurance premiums

Special Car Insurance Discounts

Amica Mutual Erie
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.

Erie

Other Discounts:

  • Safe Driving Course Discount
  • Driver Training Discount
  • Accident Prevention Course Discount

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance Erie Car Insurance
2016 29 43
2015 59 40
2014 66 35
2013 61 19

U.S. Auto Insurance Shopping Study (2016)

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

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

Amica Mutual Insurance Erie 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 Among the best
Rental Car Experience Below average Average
Settlement Among the best Average

Financial Strength Ratings

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

Mobile Apps

Amica Mutual Erie
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

Erie

eSSENTIAL Accessibility App is a free mobile app for you to use to navigate Erie Insurance’s website from your mobile device. It’s specifically geared for those with physical disabilities who have trouble navigating with a mouse. The app has keyboard and mouse replacement options and aims to empower the disabled community. To read more and download the app, click here. 

Roadside Assistance

Amica Mutual Erie
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. 

Erie

Erie Emergency Road Service

Emergency Road Service coverage is offered as part of your existing car insurance policy. Road Service covers labor costs thru their nationwide roadside assistance partner Agero.

Service Covered

  • Towing
  • Flat tire
  • Battery service
  • Gas delivery

Contact Phone Number

Erie Emergency Road Service Hotline: (800) 367-3743