Amica vs. Liberty Mutual: Which Insurance Company Is Better in 2026?
Although Amica is more expensive than Liberty Mutual, it stands out for stellar customer service and coverage options.
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Written byKat Tretina
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Liberty Mutual and Amica are both reputable insurance companies, but Liberty Mutual is larger based on the number of direct premiums written.[1] Both companies are more expensive than competitors, with Amica significantly more expensive than Liberty Mutual for most driver profiles.
Amica has a reputation for solid customer service, personalized coverage, and other perks. But Liberty Mutual is usually more affordable than Amica, and it has extra coverage options that can come in handy for new-car owners.
Compare car insurance companies to find out how Liberty Mutual and Amica measure up.
Quick Facts
Both Amica and Liberty Mutual scored higher than the industry average in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study.
For liability-only insurance, Amica drivers pay an average of $267 per month, while Liberty Mutual customers pay an average of $152 per month.
Liberty Mutual tends to be cheaper than Amica for people with driving infractions on their records.
Amica vs. Liberty Mutual: Our verdict
Amica is the standout choice if you value personalized, responsive customer service and customizable coverage. The company has multiple add-ons and optional coverages, and it’s ranked highly for its claims handling.
For people who prioritize savings, Liberty Mutual may be the better option. Liberty Mutual usually has lower rates, and it offers extra coverages that make it particularly useful for people who own or lease new cars.
Amica vs. Liberty Mutual
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $349/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $180/mo* |
Overall rating 4.5 | Overall rating 3.4 |
Value for money 3.5/5 | Value for money 3.0/5 |
Customer service 3.8/5 | Customer service 3.3/5 |
Claims handling 4.1/5 | Claims handling 3.5/5 |
Special highlight 24/7 claims serviceAI-generated from 100 user reviews | Special highlight Numerous discountsAI-generated from 1851 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Amica: Best for personalized customer service
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $267/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $431/mo |
4.5
Best choiceBased on 179 verified guest reviews and ratings
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
Reviews (100)
Ronald
Verified Review
Not Happy with Amica
Reviewed in Georgia on December 20, 2025
Too expensive and goes up with every renewal.
Rachel
Verified Review
Typical Bait and Switch
Reviewed in Nebraska on December 5, 2025
Constantly raising rates despite no claims filed and having a perfect credit and driving record.
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 22, 2025
They are terrific. I just wish the premiums were less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Although Amica has higher insurance premiums, it’s an excellent choice for people who want a more personalized customer service experience. Highly rated for customer satisfaction, Amica provides personalized assistance during every stage of the claims process.
With Amica’s Auto Repair Assistance program, your insurance agent can connect you to one of 1,700 certified repair shops around the country that provide warranty or claims-related repairs. Even if your car needs work that isn’t covered by insurance, Amica can refer you to reputable repair centers in your area.
Pros
Strong customer satisfaction ratings
Auto repair assistance available
Multiple available discounts
Cons
StreetSmart telematics program isn’t available in all states
No rideshare or classic car insurance
Significantly higher rates for most driver profiles
Liberty Mutual: Best for new-car owners
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $152/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $208/mo |
3.4
A solid optionBased on 3,400 verified guest reviews and ratings
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
How drivers feel about Liberty Mutual
Drivers appreciate the ease of making payments and the company’s helpful customer service. But they dislike the frequent and unexplained rate increases, and some report difficulties in communication and claim handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
New and financed vehicles
Accident forgiveness
Reviews (1,851)
William
Verified Review
30 Years Loyal and LM Won't Match Offers
Reviewed in New York on January 28, 2026
I've been telling friends and coworkers that Liberty Mutual is terrible. I've been loyal for thirty years, have a clean record, and they wouldn’t match or lower my auto insurance. Oh, and my credit is excellent.
Justin
Verified Review
Liberty is Mutually Beneficial
Reviewed in Tennessee on January 28, 2026
Liberty Mutual will give you all the perks of being a name-brand car insurance company, similar to their competitors like Geico and Progressive. You'll get a reliable policy, but with that, you will have to pay the price of having a big-name company backing you. As far as customer service, it just depends on the day, but if I could recommend one thing, keep claims simple and try to be as direct with the agent as possible. The ones I've experienced didn't seem to have much patience.
Vincent
Verified Review
Not a good company to stay with
Reviewed in New York on January 26, 2026
Good to work with at first, but then they kept raising their prices every year.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
612NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.28A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
If you purchase or lease a new vehicle, Liberty Mutual may provide more affordable and comprehensive coverage than Amica. Through Liberty Mutual, you can purchase gap insurance to cover the difference between your car’s value and your loan balance if it’s totaled in an accident. With its new car replacement coverage, you’ll get money for a brand new car, rather than the depreciated value, if you total it or someone steals it during the first year of ownership.
Plus, Liberty Mutual has a good selection of discounts to help you save on your premiums.
Pros
Gap insurance available
New car replacement coverage
Multiple available add-ons
Cons
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Lower Trustpilot reviews
RightTrack telematics program isn’t available in all states
Liberty Mutual vs. Amica: Which is cheaper?
Based on Insurify data, Liberty Mutual offers cheaper rates than Amica for most coverage options and driver profiles, including young drivers and people with infractions on their driving records. The table below shows the average rates from both insurers.
Rates shown are for liability-only policies unless otherwise specified.
Driver Type  | Amica | Liberty Mutual |
|---|---|---|
| Adult drivers | $258 | $167 |
| Liability-only coverage | $267 | $152 |
| Full coverage | $431 | $208 |
| Drivers with a speeding ticket | $390 | $196 |
| Drivers with a DUI | $411 | $224 |
| Drivers with an at-fault accident | $369 | $203 |
| Poor credit drivers | $324 | $175 |
| Good credit drivers | $221 | $113 |
| Teen drivers | $504 | $260 |
| Senior drivers | $189 | $123 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Amica vs. Liberty Mutual car insurance discounts
Discounts, such as multi-policy discounts for bundling coverage or claims-free discounts, can significantly reduce your insurance costs. Although both Liberty Mutual and Amica have multiple discounts, Amica has more available discounts.
The table below shows the discounts available from each company:
Discount | Amica | Liberty Mutual |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✖ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✖ |
| New car | ✖ | ✖ |
| Military/affiliation | ✖ | ✔ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✖ |
| Auto pay | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✖ |
Compare customer satisfaction and financial strength
Choosing an auto insurance company can be tricky. Besides cost, you want to know that a company is reliable and can pay out claims. AM Best, a credit-rating agency, rates both companies highly for financial stability, but Amica has a better rating than Liberty Mutual.
Amica stands out for customer service, with fewer-than-average complaints submitted through the NAIC.[2] But Liberty Mutual has a higher J.D. Power score for claims satisfaction.[3]
The table below showcases customer satisfaction and financial strength ratings for each company:
Score | Amica | Liberty Mutual |
|---|---|---|
| IQ Score | 8.6 | 7.7 |
| Customer reviews | 4.5/5 (179 reviews) | 3.4/5 (3,392 reviews) |
| J.D. Power | 718/1,000 | 730/1,000 |
| AM Best rating | A+ (Superior) | A (Excellent) |
| NAIC complaint index | 0.57 | 4.21 |
| BBB customer reviews | 1.4 out of 5 | 1.08 out of 5 |
Recent customer reviews of Amica car insurance
Insurify collects verified reviews from real customers to understand how policyholders feel about their insurance coverage. Below, see what customers have to say about Amica:
Ronald
Verified Review
Not Happy with Amica
Reviewed in Georgia on December 20, 2025
Too expensive and goes up with every renewal.
Rachel
Verified Review
Typical Bait and Switch
Reviewed in Nebraska on December 5, 2025
Constantly raising rates despite no claims filed and having a perfect credit and driving record.
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 22, 2025
They are terrific. I just wish the premiums were less.
Kevin
Verified Review
All great but prices too high!
Reviewed in Georgia on October 26, 2025
Rates are too high.
…
Recent customer reviews of Liberty Mutual car insurance
Below are verified reviews from Liberty Mutual customers. Find out what customers have to say about the insurer:
William
Verified Review
30 Years Loyal and LM Won't Match Offers
Reviewed in New York on January 28, 2026
I've been telling friends and coworkers that Liberty Mutual is terrible. I've been loyal for thirty years, have a clean record, and they wouldn’t match or lower my auto insurance. Oh, and my credit is excellent.
Justin
Verified Review
Liberty is Mutually Beneficial
Reviewed in Tennessee on January 28, 2026
Liberty Mutual will give you all the perks of being a name-brand car insurance company, similar to their competitors like Geico and Progressive. You'll get a reliable policy, but with that, you will have to pay the price of having a big-name company backing you. As far as customer service, it just depends on the day, but if I could recommend one thing, keep claims simple and try to be as direct with the agent as possible. The ones I've experienced didn't seem to have much patience.
Vincent
Verified Review
Not a good company to stay with
Reviewed in New York on January 26, 2026
Good to work with at first, but then they kept raising their prices every year.
Mark
Verified Review
Having the Courage to Review and Change
Reviewed in Illinois on January 26, 2026
Saved us a lot of money. We did give up some coverage by way of considerably higher deductibles, but realized that we have only had a couple of claims on our home in 39 years. Also raised auto deductibles because we are debt-free and can cover it nowadays. Please first scan or download snapshots of your current/former insurance companies, but block out the premium costs to their view, so that they have a clear view of what you have. Then explain what you are willing/wanting to change.
…
Amica StreetSmart vs. Liberty Mutual RightTrack
Telematics programs use your driving habits, like speeding, hard braking, and phone usage, to set your insurance premiums. Amica and Liberty Mutual both offer a telematics program.
Telematics programs differ from pay-per-mile insurance. Pay-per-mile insurance tracks your mileage and charges you based on how much you drive, rather than your driving behavior. Neither company has a pay-per-mile program.
Amica’s StreetSmart program uses a smartphone app, and drivers can save up to 20% by enrolling in the program and driving safely. Besides the cost savings on car insurance, users can also earn rewards. Policyholders can redeem the rewards for gift cards to major retailers or charitable donations.
Liberty Mutual’s RightTrack program also uses a smartphone app. Drivers can save up to 30% — a higher maximum savings than possible with Amica — and get an immediate 15% discount. RightTrack and SmartStreet are both only available in a limited number of U.S. states.
The table below highlights the different features of each program:
Feature | Amica StreetSmart | Liberty Mutual RightTrack |
|---|---|---|
| Best for | Drivers who want ongoing rewards | Drivers who want a one-time trial period |
| Savings potential | Up to 20% based on driving behavior | Up to 30% based on driving behavior |
| How it works | Mobile app tracks speed, braking, phone distractions | Mobile app tracks speed, braking, and phone distractions |
| Availability | 27 and Washington, D.C. | 37 states and Washington, D.C. |
| Data tracked | Braking, speeding, phone distractions | Braking, speeding, phone distractions |
| App rating (App Store/Google Play) | 4.8/3.0 | 4.8/4.6 |
| Average discount for good drivers | 10%–20% | 15%–30% |
| Driver feedback tools | Real-time trip scoring and feedback | “Driving streaks” and safety challenges |
| Gamified rewards | ✔ (Drivers can earn rewards that they can redeem for gift cards or charitable donations) | ✗ |
| Compatibility | Smartphone app only | Smartphone app only |
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Compare coverages: Amica vs. Liberty Mutual
Besides standard insurance coverages like liability and personal property insurance, Amica and Liberty Mutual offer multiple insurance products, coverage options, and add-ons, with a few notable differences, including classic car and rideshare.
Liberty Mutual offers coverage for classic or antique vehicles. But Amica doesn’t have specialized classic car insurance. And while Amica doesn’t offer rideshare insurance, Liberty Mutual provides rideshare insurance through a partnership with select services in a limited number of states.
The table below highlights the coverages available through Liberty Mutual and Amica.
Coverage | Amica | Liberty Mutual |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✔ |
| Classic car insurance | ✗ | ✔ |
| Rideshare insurance | ✗ | Available through select rideshare platforms in some states |
Amica vs. Liberty Mutual FAQs
If you’re torn between Liberty Mutual and Amica for car insurance, the following information can help you decide.
Which is cheaper: Amica or Liberty Mutual?
Liberty Mutual has cheaper insurance rates, on average, than Amica for most drivers. In general, both insurers charge more than competitors. Your actual rates may vary based on your location, credit history, deductible, and more.
How good is Liberty Mutual at paying claims?
Liberty Mutual was one of the top-ranked companies in the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, indicating that the company handles claims quickly and efficiently.
Is Amica cheaper than State Farm?
Amica is usually much more expensive than State Farm for liability-only and full-coverage insurance policies. On average, drivers pay $267 per month for a liability policy with Amica insurance, while State Farm liability coverage averages $55 per month.
Is State Farm cheaper than Liberty Mutual?
Yes. State Farm is typically cheaper for auto insurance than Liberty Mutual. While drivers pay an average of $152 for liability coverage through Liberty Mutual, the average through State Farm is $55 per month.
Who owns Amica Insurance?
Amica is a mutual insurance company, meaning it’s owned by policyholders rather than shareholders.[4]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- NAIC. "PROPERTY AND CASUALTY INSURANCE INDUSTRY 2024 TOP 25 GROUPS AND COMPANIES BY COUNTRYWIDE PREMIUM."
- Naic.org. "Consumer Insurance Refined Search Results."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- NAMIC. "About Mutual Insurance."
)
Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.