Compare Amica Mutual vs. Travelers Insurance

Get affordable car insurance quotes from top companies like Amica Mutual and Travelers

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
  • You need flexible payment plans or GAP coverage
Worst If Amica Mutual
  • You’re relying on great customer service
  • You value customer satisfaction or a strong website

Special Car Insurance Discounts

Amica Mutual Travelers
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.


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, you drive with the IntelliDrive device, 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 help the environment. If you drive one of these vehicles, you can save up to 10 percent on your auto insurance with Travelers. It’s how the company rewards customers who decide to have a positive impact on the environment by owning one.

Compare Insurance Prices

Comparing quotes is the best way to get your lowest rates from top insurers like Amica Mutual and Travelers. QuoteWizard is an independent company that helps you find your right policy at your best rate.

Standard Car Insurance Discounts

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

Consumer Complaint Data

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

U.S. Auto Insurance Shopping Study (2016)

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

Mobile Apps

Amica Mutual Travelers
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


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 Travelers Mobile app here

Roadside Assistance

Amica Mutual Travelers
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. 


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 you're stranded and need a rental car Travelers will reimburse you for $200 a day. But only 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.