Compare Amica Mutual vs. Farmers Insurance

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Amica Mutual and Farmers are two well-known companies in the auto insurance industry. Amica was founded in 1907, and Farmers was founded in 1927. Farmers is liked for its extensive policy options, special plans for collectible vehicles, and great policy management services, while Amica Mutual is liked for its quick and smooth claims process.

However, Amica’s customer service is subpar, and Farmers has limited driver discounts and a complicated online platform. Still, Amica’s financial strength ratings and J.D. Power ratings are superior to those of Farmers.

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 Farmers
Best If Amica Mutual
  • You want a straightforward claims process
Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Worst If Amica Mutual
  • You’re relying on impeccable customer service
Farmers
  • You want slick online tools to manage your policy

Special Car Insurance Discounts

Amica Mutual Farmers
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.

Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance Farmers Car Insurance
2016 29 167
2015 59 262
2014 66 237
2013 61 300

U.S. Auto Insurance Shopping Study (2016)

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

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

Amica Mutual Insurance Farmers 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 Average

Financial Strength Ratings

Amica Mutual Insurance Farmers Car Insurance
A.M. Best A++ A
Moody's -- Aa3
S&P's A A+

Mobile Apps

Amica Mutual Farmers
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

Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

Roadside Assistance

Amica Mutual Farmers
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. 

Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services.