Compare Amica Mutual vs SafeAuto Insurance

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SafeAuto and Amica are two well-known companies in the world of insurance. SafeAuto was founded in 1993, and Amica was founded in 1907. Amica is liked for its straightforward and fast claims process, while SafeAuto is liked for its variety of discounts and affordable rates.

However, SafeAuto’s claims process is slow, while Amica’s customer service can be unreliable and faulty. Still, the latter has 5 out of 5 stars from J.D. Power, and superior financial strength ratings, neither of which Safe uto has.

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 Safe Auto
Best If Amica Mutual
  • You want a straightforward claims process
Safe Auto
  • You want incredibly low insurance rates
Worst If Amica Mutual
  • You’re relying on impeccable customer service
Safe Auto
  • You want a quick claims process

Special Car Insurance Discounts

Amica Mutual Safe Auto
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.

Safe Auto

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance SafeAuto Insurance
2016 29 46
2015 59 82
2014 66 105
2013 61 36

U.S. Auto Insurance Shopping Study (2016)

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

Mobile Apps

Amica Mutual Safe Auto
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

Safe Auto

The SafeAuto Mobile App lets you manage your insurance policy quickly and conveniently from your mobile device. With the app, you can pay your insurance premiums, view your insurance ID cards or policies, call customer service, and use the “Name Your Car” tool. To download the app for iPhone or Android, click here

Roadside Assistance

Amica Mutual Safe Auto
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. 

Safe Auto

SafeAuto offers towing and roadside assistance as a coverage option for your auto insurance policy. With this coverage, towing services and certain repair costs will be covered so you and your car can get back on the road as soon as possible.