Compare Amica Mutual vs. MetLife Insurance

Amica Mutual and MetLife are two of the biggest names in the insurance industry. MetLife was founded in 1863, and over 40 years later, Amica Mutual was founded in 1907. Amica Mutual is best known for straightforward claims process, while MetLife is best known for helpful and knowledgeable representatives.

However, MetLife lacks a smooth follow-through process and Amica Mutual lacks capable customer service. Still, both of these companies have excellent J.D. Power rankings and superior financial strength 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 MetLife
Best If Amica Mutual
  • You want a straightforward claims process
MetLife
  • You want helpful, knowledgeable reps
Worst If Amica Mutual
  • You’re relying on great customer service
MetLife
  • You want a smooth follow-through with your agent/policy

Compare Insurance Prices

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

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Special Car Insurance Discounts

Amica Mutual MetLife
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.

MetLife

Deductible Savings Benefit

This discount can save you $50 for every year you don’t file an insurance claim. If you have a covered loss, you can also earn up to $250 and use that towards your insurance deductible.

12% Superior Driver Discount

You can earn up to 12 percent if you and every driver in your home has a great driving records.

20% MetRewards Discount

Save up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you have no claims or violations for five years.

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Auto Insurance MetLife Car Insurance
2016 29 181
2015 59 333
2014 66 305
2013 61 323

U.S. Auto Insurance Shopping Study (2016)

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

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

Amica Mutual Auto Insurance MetLife Car Insurance
Overall Satisfaction Among the best Below average
First Notice of Loss Among the best Below average
Service Interaction Average Below average
Appraisal Among the best Average
Repair Process Average Below average
Rental Car Experience Below average Average
Settlement Among the best Below average

Financial Strength Ratings

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

Mobile Apps

Amica Mutual MetLife
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

MetLife

MetLife US App

This app lets you securely access your account on the go. Use it to: report auto accidents, pay premiums, and submit any insurance claims you may have. The app has two unique features: one lets you find a dentist in your area. The the other provides access to vision providers near you.

Download the MetLife US app for iPhone.

Download the MetLife US app for Android.

Roadside Assistance

Amica Mutual MetLife
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. 

MetLife

Contact Phone Number

For roadside assistance, call our hotline: 1-800-854-6011.