Amica Mutual vs. Titan Insurance

Titan and Amica are both big names in the insurance industry. Titan was founded in 1926, and Amica was founded in 1907. Titan is liked for its flexible payments plans and reliable customer service. Amica is liked for its reasonable premiums and quick follow-up.

But, Amica is criticized for its faulty customer service. And Titan is disliked for its tendency to raise its customers’ rates. Still, both offer a wide range of discounts, and have excellent financial strength and J.D. power ratings.

So which one offers the 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 Titan
Best If Amica Mutual
  • You want a straightforward claims process
  • You want many discounts and flexible payment plans
Worst If Amica Mutual
  • You’re relying on great customer service
  • You want to file a claim online (you can only file claims by phone with Titan)

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like Amica Mutual and Titan. 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 Titan
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 awarded 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 acquire 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.


Association Membership.

This discount is granted to customers who are active members of any club recognized by Titan.

The Advance Quote Discount.

This is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount.

This helps save money when you your add farm vehicles to your auto insurance policy.

Travelink Discount.

This applies only to collision coverage and vehicles owned by employees with employers in approved traffic relief programs. Annual recertification is required.

EFT Discount.

This saves you money when you opt to pay your monthly insurance premium electronically. Less paper wasted, more money saved!

Standard Car Insurance Discounts

Bundling Coverage Discounts Amica Mutual Titan
Home and Car
Car and Life
Vehicle Type and Safety Features Amica Mutual Titan
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Amica Mutual Titan
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Amica Mutual Titan
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances Amica Mutual Titan
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Amica Mutual Titan
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Amica Mutual Insurance Titan Insurance
2016 29 1
2015 59 4
2014 66 4
2013 61 1

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Amica Mutual Titan
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 here


Titan Mobile

This app lets you find an agent, view your policy, pay premiums, and get instant help with a claim.

To download the app for iPhone or Android, click here

Roadside Assistance

Amica Mutual Titan
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. 


Titan Emergency Roadside Assistance

Adding roadside coverage to your auto policy can greatly benefit you out on the road. Titan works with a network of nationwide roadside service providers to give you 24/7 coverage. Roadside Assistance is an add-on to your existing insurance policy with Titan.

Roadside assistance services include:

  • Towing
  • Tire change
  • Battery jump start
  • Gas delivery
  • Lock-out service
  • Vehicle extrication -(winching)