Compare Amica Mutual vs. Liberty Mutual Insurance

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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 impeccable 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 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.

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 so that managing your auto insurance is as stress-free as possible.

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

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

U.S. Auto Insurance Shopping Study (2016)

Amica Mutual Insurance Liberty Mutual Car 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 Insurance Liberty Mutual Car 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 Insurance Liberty Mutual Car Insurance
A.M. Best A++ A
Moody's -- A2
S&P's A A

Mobile Apps

Amica Mutual Liberty Mutual
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

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 in the palm of your hand. 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 high-resolution 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 on hand should you ever experience theft or damage to your home.

For more information and to download any of these apps, click here.

Roadside Assistance

Amica Mutual Liberty Mutual
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. 

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 will be towed to the Nearest Qualified repair Facility
  • Jumpstart a dead battery - So you can get where you want to go
  • Deliver emergency fue - We'll get you enough gas to reach the nearest service station
  • Change a flat time and install the spare
  • 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. The company’s roadside assistance website is here.