Compare Amica Mutual vs. Travelers Insurance

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Amica Mutual and Travelers are two top-rated companies in the world of auto insurance. Amica was founded in 1907, and Travelers was founded in 1864. While Amica has an impressive 5 out of 5 stars from J.D. Power, as well as an excellent claims management service, Travelers is ranked #3 in top ten auto insurers for 2016, and offers excellent GAP coverage and flexible payment plans.

However, Amica is known to drop clients from their policies without notice, and Travelers doesn’t have the best customer service or strong online tools. Still, both companies have superior 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 Travelers
Best If Amica Mutual
  • You want a straightforward claims process
Travelers
  • You need flexible payment plans or GAP coverage
Worst If Amica Mutual
  • You’re relying on impeccable customer service
Travelers
  • You value customer satisfaction or a strong website

Special Car Insurance Discounts

Amica Mutual Travelers
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.

Travelers

Travelers IntelliDrive Program
If you are a low-mileage driver, you can save money on your auto insurance policy with IntelliDrive. Once you sign up, you receive a small device that you plug in under your car’s dashboard. For about 60 to 90 days (two to three months), you drive around with the IntelliDrive device in place, and then return it to Travelers. From there, the company assesses your mileage discounts and gives you any rewards you are eligible for receiving.

Hybrid/Electric Vehicle Discount
Owning a hybrid or electric car helps save energy and thus helps the environment. If you happen to drive one of these vehicle types, you can save up to 10 percent on your auto insurance with Travelers. It’s the company’s way of rewarding customers who decide to have a positive impact on the environment by owning a hybrid or electric car.

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance Travelers Car Insurance
2016 29 34
2015 59 46
2014 66 29
2013 61 165

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Amica Mutual Insurance Travelers Car Insurance
A.M. Best A++ A++
Moody's -- Aa2
S&P's A AA

Mobile Apps

Amica Mutual Travelers
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

Travelers

Travelers Mobile is the insurance company’s basic website consolidated onto a mobile-friendly platform. Access right from your mobile phone your insurance policy details, information on current claims you’ve filed, and pay your insurance premiums. You can download the app here

Roadside Assistance

Amica Mutual Travelers
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. 

Travelers

Travelers Roadside Assistance

Travelers Roadside Assistance if offered at two levels of coverage ranging from basic to premium.

Basic Roadside Assistance

Services covered

  • Towing up to 15 miles
  • Battery service
  • Fuel delivery
  • Tire change
  • Lockout assistance

Premier Roadside Assistance

Covers all services in the basic package and:

  • Trip Interruption Coverage

If your stranded and need rental car service Travelers will reimburse you for $200 a day for meals and lodging if you break down over 100 miles from home.

  • Personal Property coverage

Up to $500 limit for items damaged or stolen in the breakdown or incident.

Contact Phone Number

Travelers’ Roadside Assistance is available by calling 1 (877) 252-4633. Its website is here.