Compare Amica Mutual vs. USAA Insurance

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

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
  • 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 great customer service
  • You are not in the military, and do not have a parent who served

Special Car Insurance Discounts

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.


Compare Insurance Prices

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

Consumer Complaint Data

Amica Mutual Auto 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 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

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

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

Financial Strength Ratings

Amica Mutual Auto 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. 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


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

Roadside Assistance

Amica Mutual USAA
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. 


USAA Roadside Assistance

USAA 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

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

1 (866) 375—5374.