Compare Amica Mutual vs. The General Insurance

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Amica Mutual and The General are two staunch competitors in the auto insurance industry. Amica was founded in 1907 and the General was founded in 1963. Amica is well liked it's straightforward claims process, while the General is well liked for its affordable rates even for customers with less than perfect driving records.

However, both of these companies have subpar customer service. Still, Amica and The General have amazing 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 The General
Best If Amica Mutual
  • You want a straightforward claims process
The General
  • You don’t have a perfect driving record but still want affordable insurance rates
Worst If Amica Mutual
  • You’re relying on impeccable customer service
The General
  • You want good customer service and consistency

Special Car Insurance Discounts

Amica Mutual The General
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.

The General

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance The General Insurance
2016 29 13
2015 59 14
2014 66 3
2013 61 4

U.S. Auto Insurance Shopping Study (2016)

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

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

Amica Mutual Insurance The General 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 Average
Rental Car Experience Below average Above average
Settlement Among the best Average

Financial Strength Ratings

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

Mobile Apps

Amica Mutual The General
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

The General

The General Mobile App grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote.

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

Roadside Assistance

Amica Mutual The General
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. 

The General

The General 24/7 Roadside Assistance

The General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month.

Services Covered

  • Towing
  • Battery service
  • Fuel delivery
  • Lock-out service