Compare Amica Mutual vs. National General Insurance

Two of the most acclaimed companies in the world of auto insurance are Amica Mutual and National General. Amica Mutual was founded in 1907, and National General was founded in 1920.

While, National General is best for customers who are also affiliated with General Motors Club and Amica Mutual is better for customers who are looking for a straightforward claims process. On the flip side, Amica Mutual has subpar customers service and National General lacks a simplified claims process.

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 National General
Best If Amica Mutual
  • You want a straightforward claims process
National General
  • You’re affiliated with General Motors Club
Worst If Amica Mutual
  • You’re relying on great customer service
National General
  • You want a swift and smooth claims process

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like Amica Mutual and National General. 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 National General
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.

National General

National General SmartDiscounts.

National General says that switching to them saves customers an average of $442 a year. And that’s before applying SmartDiscounts to your policy!

  • GM/GMAC Customer Discounts
  • Paid-in-Full Discount
  • Multi-Vehicle Discount
  • GM Loyalty Discount
  • Safe-Driver Discounts
  • RVs and Autos on One Convenient Policy
  • Motorcycle Discounts
  • OnStar Subscriber Discount
  • Low Mileage Discount
  • GM Family First Discounts
  • Affinity Discounts
  • GM Supplier Discount

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Auto Insurance National General Car Insurance
2016 29 69
2015 59 74
2014 66 50
2013 61 30

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Amica Mutual Auto Insurance National General Car Insurance
A.M. Best A++ A-
Moody's -- --
S&P's A BBB+

Mobile Apps

Amica Mutual National General
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

National General

National General Insurance’s Claims App is fairly unique in that it actually puts you in contact with a National General claims service consultant. In addition, you can use the app to submit a claim online or request a towing service. To learn more about and download the app, click here

Roadside Assistance

Amica Mutual National General
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. 

National General

National General Motor Club Roadside Assistance

Gives those insured by National General a membership plan for three levels of roadside assistance coverage. It's similar to other full suite roadside assistance memberships. You get travel discounts on restaurants, hotels, car rental and more. Coverage extends to all family members in any vehicle you're driving

Motor Club Basic

Cost per year: Single - $59. Couple - $69.

  • Towing up to 5 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $120

Motor Club Standard

Cost per year: Single - $79. Couple - $94. Each Dependent - $15.

  • Towing up to 20 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $60
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $150

Motor Club Elite

Cost per year: Single - $89. Couple - $99. Family - $119.

  • Towing up to 100 miles
  • Jump start
  • Flat tire
  • Gas delivery
  • Winching
  • Lockout service
  • Locksmith service
    • Lock replacement up to $90
    • Key replacement up to $25
  • Dispatch Guarantee: Up to $260

Contact Phone Numbers

Roadside Assistance Hotline 888-310-4173

Customer Service 888-310-4173

Trip Routing 888-310-4173

By signing up for the National General Motor Club, you’ll get access to roadside assistance benefits. The GM Motor Club offers 24/7 roadside assistance and no hidden fees.