Amica Mutual and Farmers both well-known in the auto insurance industry. Farmers is liked for having many policy options, special plans for classic cars, and great policy management services. Amica Mutual is liked for its quick and smooth claims process.
But Amica’s customer service is subpar. And Farmers has limited driver discounts and a poor online platform. Still, Amica’s financial strength ratings and J.D. Power ratings are better than Farmers.
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 |
Amica Mutual
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Farmers
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Worst If |
Amica Mutual
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Farmers
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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 given 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 get 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. |
Farmers
Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low. |
Bundling Coverage Discounts | Amica Mutual | Farmers |
---|---|---|
Multi-Car | ||
Home and Car | ||
Car and Life | ||
Vehicle Type and Safety Features | Amica Mutual | Farmers |
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 | Farmers |
Accident Free/Good Driver | ||
Prior Insurance | ||
Long Term Policy Holder | ||
Defensive Driving Course | ||
Student, Professional, and Club Memberships | Amica Mutual | Farmers |
Affinity Group | ||
College Graduate | ||
Good Student | ||
Resident Student | ||
Organization or Club Membership | ||
Farm Bureau Member | ||
Military | ||
Special Circumstances | Amica Mutual | Farmers |
Telematics Device | ||
Low Mileage | ||
Short Commute | ||
Days Per Week Driven | ||
Other Discounts | Amica Mutual | Farmers |
Married | ||
Paid in Full | ||
Advance Renewal | ||
Electronic Funds Transfer | ||
Senior Driver | ||
55 and Retired |
Amica Mutual Auto Insurance | Farmers Auto Insurance | |
---|---|---|
2016 | 29 | 167 |
2015 | 59 | 262 |
2014 | 66 | 237 |
2013 | 61 | 300 |
Amica Mutual Auto Insurance | Farmers Auto 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 | -- |
Insurer Website | -- | Below average |
Amica Mutual Auto Insurance | Farmers Auto 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 | Average |
Settlement | Among the best | Average |
Amica Mutual Auto Insurance | Farmers Auto Insurance | |
---|---|---|
A.M. Best | A++ | A |
Moody's | -- | Aa3 |
S&P's | A | A+ |
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 app here. |
Farmers
Farmers Insurance Mobile Apphelps customers manage their insurance on the go. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:
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Amica Mutual
Amica Roadside AssistanceRoadside 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
Contact Phone NumberCall 866-286-9968 to receive help on the road right away. |
Farmers
Farmers Towing & Roadside AssistanceCovers roadside services up to $150 Services covered:
Farmers Towing & Roadside Assistance works with over 20,000 road services shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150. Farmers’ Roadside Emergency Safety Contact NumberCall 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. |