Comparing quotes is the best way to get the lowest rates from top insurers like Amica Mutual and USAA. QuoteWizard is an independent company that helps you find the right policy at the best rate.
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 |
Amica Mutual
|
USAA
|
| Worst If |
Amica Mutual
|
USAA
|
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. |
USAA |
| 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 |
| Amica Mutual Auto Insurance | USAA Car Insurance | |
|---|---|---|
| 2016 | 29 | 245 |
| 2015 | 59 | 415 |
| 2014 | 66 | 380 |
| 2013 | 61 | 270 |
| Amica Mutual Auto 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 |
| Amica Mutual Auto 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 |
| Amica Mutual Auto Insurance | USAA Car Insurance | |
|---|---|---|
| A.M. Best | A++ | A++ |
| Moody's | -- | Aaa |
| S&P's | A | AA+ |
|
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. |
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily 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 USAA mobile app here. |
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. |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |