Compare Amica Mutual vs. MetLife Insurance

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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 representatives
Worst If Amica Mutual
  • You’re relying on impeccable customer service
MetLife
  • You want a smooth follow-through with your agent/policy

Special Car Insurance Discounts

Amica Mutual MetLife
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.

MetLife

The Deductible Savings Benefit 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.

The 12% Superior Driver Discount or 20% MetRewards discount has two options. You can either earn up to 12 percent if you and all the other drivers in your home have excellent driving records, or up to 20 percent through the MetRewards program. You’re eligible for the 20 percent option if you are claim and violation-free 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 Insurance MetLife Insurance
2016 29 181
2015 59 333
2014 66 305
2013 61 323

U.S. Auto Insurance Shopping Study (2016)

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

Mobile Apps

Amica Mutual MetLife
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

MetLife

MetLife US App lets you securely access your account in order 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 and the the other provides access to vision providers near you.

To download the app for iPhone, click here. To download the app for Android, click here.

Roadside Assistance

Amica Mutual MetLife
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. 

MetLife

Contact Phone Number

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