Compare Amica Mutual vs. Liberty Mutual Insurance

Get affordable car insurance quotes from top companies like Amica Mutual and Liberty Mutual Compare Auto Insurance Rates

Amica Mutual and Liberty Mutual are two top companies in the world of insurance. Amica Mutual was founded in 1907, followed by Liberty Mutual in 1912. While Amica Mutual has a great follow-up and claims process, Liberty Mutual offers excellent car replacement and competitive premiums. Additionally, Liberty Mutual was ranked the #8 auto insurer for 2016, and received a J.D. Power award for most satisfying purchase experience for auto insurance.

However, Liberty Mutual is criticized for its lack of 24/7 customer support, and Amica is known to drop customers from its coverage without notice. Still, Amica’s financial strength and J.D. Power ratings are much higher than those of Liberty Mutual, with 5 out of 5 stars.

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 Liberty Mutual
Best If Amica Mutual
  • You want a straightforward claims process
Liberty Mutual
  • You want better car replacement after an accident and strong online tools
Worst If Amica Mutual
  • You’re relying on great customer service
Liberty Mutual
  • You want breakdown coverage or 24-hour customer support

Special Car Insurance Discounts

Amica Mutual Liberty Mutual
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 given 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 get 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.

Liberty Mutual

Bundle & Save

When you combine policies with Liberty Mutual, you can receive special discounts for bundling and thus save more money.

Multi-Car Discount

The discount does just as it says. For customers who have multiple cars on one policy, Liberty Mutual aims to provide the best value. This helps make managing your auto insurance as stress-free as possible.

Exclusive Group Savings

Liberty Mutual has partnerships with more than 14,000 groups. Being a member of any one of them could make you eligible for a discount with the insurance company.

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

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Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Auto Insurance Liberty Mutual Auto Insurance
2016 29 160
2015 59 267
2014 66 235
2013 61 187

U.S. Auto Insurance Shopping Study (2016)

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

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

Amica Mutual Auto Insurance Liberty Mutual Auto Insurance
Overall Satisfaction Among the best Average
First Notice of Loss Among the best Average
Service Interaction Average 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 Auto Insurance Liberty Mutual Auto Insurance
A.M. Best A++ A
Moody's -- A2
S&P's A A

Mobile Apps

Amica Mutual Liberty Mutual
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 app here

Liberty Mutual

Liberty Mutual has a quite a few mobile apps to choose from for managing your car insurance.

The Liberty Mutual Mobile App includes all the features and services of the company’s website. You can use it to:

  • Pay bills
  • View policy details
  • Change your coverage
  • and more

You can also use it to record details of your incident and get your claim process started.

The Liberty Mutual CarZen App is mainly geared for Apple devices, and is a powerful tool for car shopping. Use it to research any type of car, see its details with hi-res photos and read thorough reviews. CarZen makes car shopping simple and hassle-free.

The Home Gallery App allows you to log all your personal items into one mobile database. You’ll have a complete home inventory you can access in the event of theft or damage to your home.

Click here for more information and to download any of the Liberty Mutual mobile apps.

Roadside Assistance

Amica Mutual Liberty Mutual
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. 

Liberty Mutual

Liberty Mutual 24-Hour Roadside Assistance

Towing & Labor coverage on the policy. Collision/comprehensive covers this first but Towing & Labor kicks in if driver doesn’t have collision/comprehensive coverage

Roadside Services covered

  • Towing - You'll be towed to the Nearest Qualified repair shop
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver fuel - We'll get you enough gas to reach the nearest service station
  • Change a flat tire
  • Unlocking vehicle doors - If you're locked out of your car, we'll get it unlocked

Contact Phone Number

Liberty Mutual’s Emergency Roadside Assistance is available through its mobile app, or by calling 1 (800) 426-9898. Click here to go to the Liberty Mutual Roadside Assistance website.