Compare Amica Mutual vs. State Farm Insurance

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Amica Mutual and State Farm are two top companies in the auto insurance industry. Amica was founded in 1907, and State Farm was founded in 1922. State Farm was ranked the #4 auto insurer for 2016, and offers great competitive discounts, low premiums, and excellent customer service. Likewise, Amica has fast, reliable follow-up and a smooth claims process.

Both companies have comparably strong financial strength and J.D. Power ratings, and while State Farm offers additional discounts for special vehicles, Amica’s additional discounts are for loyal clients. Still, State Farm can make it difficult to obtain a quote, and Amica sometimes has faulty customer service.

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 State Farm
Best If Amica Mutual
  • You want a straightforward claims process
State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
Worst If Amica Mutual
  • You’re relying on impeccable customer service
State Farm
  • You want mechanical breakdown coverage

Special Car Insurance Discounts

Amica Mutual State Farm
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.

State Farm

Commercial Auto Insurance
If you’re a small business owner and have vehicles that you need to keep your business in operation (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you in the event an employee driving one of your business vehicles gets into an accident while making deliveries or running errands.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy basically ensures that should any of your employees use their own cars for business purposes, you personally won’t suffer any financial losses if they have an incident or cause any damage. 

Classic Car Insurance

State Farm provides coverage specifically for customers who own classic or antique vehicles. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The available coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance State Farm Car Insurance
2016 29 105
2015 59 155
2014 66 178
2013 61 135

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Amica Mutual Insurance State Farm Car Insurance
A.M. Best A++ A++
Moody's -- Aa1
S&P's A AA

Mobile Apps

Amica Mutual State Farm
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

State Farm

State Farm has not only one, but seven mobile apps for your smartphone or web browser that can be used to manage your insurance policies.

Pocket Agent lets you view your insurance card, file or view a claim, access Roadside Assistance, and connect with your local agent. You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture is powered by Edmunds.com, a reliable car shopping website. The app recognizes any vehicle you take a picture of from the back and then provides all the information and details you want to know about it. From there, you can determine its market value and even locate a nearby dealership, all while getting a State Farm auto insurance quote.

Steer Clear encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback is an app for drivers of all ages looking to improve some of their driving habits that tend to be a bit dangerous. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. From there, the app uses your phone’s accelerometer to measure and score these areas and then provide you with tips based on your results.

Driver Feedback Instructor Edition was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools makes the moving process that much easier. Aside from actually packing your belongings when you move, you can use MoveTools to virtually pack them as well. The app has organization features that let you label your boxes and write down each one’s contents so you can keep track of them during the move.

For more information and to download any of these State Farm mobile apps, click here

 

Roadside Assistance

Amica Mutual State Farm
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. 

State Farm

State Farm Emergency Road Service

This service can help if you need: mechanical labor, towing, delivery of gas, tire change, battery jump-start, locksmith services, or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. Its website is here.