Compare Amica Mutual vs. USAA Insurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

Amica Mutual and USAA are both big companies in the insurance industry. Amica was founded in 1907, and USAA was founded in 1864. Both companies offer a wide selection of driver discounts and have comparably strong financial strength and J.D. Power ratings. On its own, Amica has great follow-up and claims service, while USAA holds one of the highest customer satisfaction ratings in the industry.

USAA’s only drawback is that it exclusively serves military personnel and their immediate families, and Amica’s fault lies in its subpar customer service and habit of dropping clients from their coverage.

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 USAA
Best If Amica Mutual
  • You want a straightforward claims process
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Amica Mutual
  • You’re relying on impeccable customer service
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

Amica Mutual USAA
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.

USAA

Standard Car Insurance Discounts

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

Consumer Complaint Data

Amica Mutual Insurance USAA Car Insurance
2016 29 245
2015 59 415
2014 66 380
2013 61 270

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Amica Mutual USAA
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

USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Roadside Assistance

Amica Mutual USAA
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. 

USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.