Amica vs. Liberty Mutual: Which Is the Best? (2024)

Both Amica and Liberty Mutual are excellent options for car insurance. The best company for you will depend on your insurance needs and budget.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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.

Updated June 13, 2024

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If you’re looking for a car insurance policy, you might explore Amica and Liberty Mutual. Known as the oldest mutual automotive insurer in the U.S., Amica is a smaller auto insurance company with excellent customer satisfaction ratings and 24/7 claims processing.[1] Despite this, its advertised discounts aren’t available everywhere.

Liberty Mutual, which also sells home insurance, renters insurance, and other products, is the sixth-largest car insurance company in the U.S. by market share. It offers a lifetime repair guarantee and an accident forgiveness program for an additional cost but has many negative customer reviews.[2]

Here’s a closer look at how Amica compares to Liberty Mutual so you can make an informed decision and choose the right insurer for your unique situation.

Quick Facts
  • In general, Liberty Mutual offers cheaper car insurance rates than Amica.

  • Amica has more discounts than Liberty Mutual, so you can still lock in affordable coverage through the insurer.

  • While Amica holds an A+ (Superior) financial stability rating with AM Best, Liberty Mutual earned an A (Excellent) rating.

Amica vs. Liberty Mutual: The verdict

When it comes to cheap car insurance, Liberty Mutual is the clear winner, as its premiums are lower than Amica’s across most driver demographics, including teens, seniors, and military personnel. However, Amica advertises more discounts — they’re only available in select states but may help reduce car insurance costs.

While both Amica and Liberty Mutual offer 24/7 roadside assistance and typical coverage levels, like liability insurance and full coverage, Liberty Mutual stands out for its accident forgiveness program, which won’t increase your rates after your first accident.

As far as financial strength and financial support, Amica excels over Liberty Mutual. While Amica earned an A+ (Superior) financial strength rating from AM Best, Liberty Mutual lags a bit behind with an A (Excellent) rating.[3]

FactorAmicaLiberty Mutual
Insurify Quality Score4.23.9
J.D. Power customer satisfaction score833 out of 1,000799 out of 1,000
Average quote: liability only$169$103
Number of available discounts1813
Number of states where it operates4950
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Amica

Based in Rhode Island and founded in 1907 as Automobile Mutual Insurance Company of America, Amica Mutual Insurance Company offers a variety of car insurance products as well as discounts for policyholders.

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
862
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.
$169/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.
$281/mo

Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders, rather than shareholders. The company has A+ ratings from A.M. Best for financial stability and credit, and was the highest-ranked insurer for customer satisfaction in New England according to J.D. Power. Amica offers numerous discounts to help drivers save, and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.

Pros
  • Good ratings for customer service and satisfaction

  • Multiple discounts and coverage options available

Cons
  • Higher-than-average rates for drivers with traffic violations

  • Limited number of local offices

Read our Amica review
John - March 4, 2024
Verified

Average

The service is good, but the premiums are higher.

Janie - January 28, 2024
Verified

Rates Always Going Up

I've been a customer for years, yet every year my rates are raised! I'm paying double what other companies charge!!

John - September 11, 2023
Verified

Excellent

Amica is a great company with great prices.

Liberty Mutual

Boston-based Liberty Mutual debuted in 1912 and is known as the sixth-largest car insurance company. The company’s offerings include an accident forgiveness program and lifetime repair guarantee.

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.9
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$103/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.
$218/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read our Liberty Mutual review
Daryl - June 13, 2024
Verified

Average

It's hard to actually talk to someone.

Jagger - June 13, 2024
Verified

Need Car Now Due to Lease

I'm upset that I paid for a whole new policy, lost my job, and now they don't want to help me or contact me to get a new vehicle. It's just disappointment after disappointment, especially after paying so much money for over a year.

Josue - June 11, 2024
Verified

10% Increase

It's okay, but the policy went up by almost 3k.

Amica StreetSmart vs. Liberty Mutual RightTrack

Amica StreetSmart is a telematics program that can reward you for driving safely. In addition to discounts on your rates, you may earn rewards based on your driving habits. You can redeem these rewards for charitable donations or gift cards from popular retailers like Amazon and Target. The discount you’ll receive will depend on your StreetSmart score after driving with the mobile app for 91 days.[4]

RightTrack is Liberty Mutual’s telematics program, which involves an app or plug-in device you can place in your vehicle. After participating in RightTrack for 90 days, you’ll qualify for a premium discount of up to 30%, as long as you prove you’re a safe driver. You might also secure a 10% discount just for signing up.[5]

Learn More: How Does Usage-Based Insurance Work?

Learn More: How Does Usage-Based Insurance Work?

Amica vs. Liberty Mutual: Which is the cheapest?

Liberty Mutual is the cheapest car insurance company of the two. But your particular rates will depend on a variety of factors, including your location, age, driving record, and credit history.

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Liberty Mutual: Cheapest for drivers with a clean driving record 

Liberty Mutual offers the lowest rates for drivers with a clean record, free of serious traffic violations like speeding tickets and DUIs.

Driver TypeAmicaLiberty Mutual
Clean driving record$169$103
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Liberty Mutual: Cheapest for drivers with a speeding ticket

Liberty Mutual’s premiums are the cheapest for drivers with a speeding ticket.

Driver TypeAmicaLiberty Mutual
Drivers with a speeding ticket$232$147
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Liberty Mutual: Cheapest for teen drivers

Teen drivers and young drivers with limited experience behind the wheel can expect lower rates with Liberty Mutual.

Driver TypeAmicaLiberty Mutual
18-year-old$212$196
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Liberty Mutual: Cheapest for drivers with bad credit

Liberty Mutual offers the cheapest premiums for drivers with bad credit scores.

Driver TypeAmicaLiberty Mutual
Drivers with bad credit$204$124
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Liberty Mutual: Cheapest for senior drivers

Senior drivers can find more affordable car insurance coverage with Liberty Mutual.

Driver TypeAmicaLiberty Mutual
Senior drivers$115$79
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Amica vs. Liberty Mutual

Amica and Liberty Mutual both offer these main coverages:

Unlike Amica, Liberty Mutual offers accident forgiveness to ensure your rates stay the same after your first automobile accident. However, Amica’s lineup of coverage options and add-ons is unique because it includes glass coverage, which will repair or replace your damaged windshield and windows without a deductible.[6] [7]

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Compare discounts: Amica vs. Liberty Mutual

Discounts can help you secure lower car insurance rates. Even though Amica has more expensive premiums, it offers more discounts than Liberty Mutual. You can work with a local agent or visit each insurance company’s website for more information about them.

Here’s a look at the various discounts each car insurance company offers.[8] [9]

DiscountAmicaLiberty Mutual
Clean driving recordYesYes
Defensive driving courseYesNo
Multi-policyYesYes
Multi-carYesYes
Low mileageYesNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesNo
New carNoNo
Military/affiliationNoYes
Good studentYesYes
LoyaltyYesNo
Auto payYesYes
Student away at schoolYesYes
HomeownerYesYes
Alternative fuelNoNo

Amica vs. Liberty Mutual FAQs

Deciding which insurer is best for you can be challenging. Below, you’ll find answers to some of the most commonly asked questions about Amica and Liberty Mutual.

  • Is Amica the best insurance company?

    Amica earned a A+ (Superior) financial strength rating from AM Best, which means it’s a car insurance company that meets its financial obligations. However, the best insurer and policy for you depends on your budget, needs, and preferences.

  • How does Liberty Mutual rank as an insurance company?

    Liberty Mutual is the sixth-largest car insurance company and is considered one of the top insurance companies for its high marks. It also earned high customer service ratings from J.D. Power and ranks on Fortune’s 100 list of largest corporations in the U.S.

  • Why is Liberty Mutual so cheap?

    Liberty Mutual’s large market share and various discounts, including bundling discounts for pairing car insurance with homeowners insurance, allow it to offer cheap car insurance and competitive rates to policyholders.

  • What are the key differences between Amica and Liberty Mutual in terms of coverage?

    Liberty Mutual offers accident forgiveness, while Amica Insurance has glass coverage.

Sources

  1. Amica. "Company Facts and History."
  2. NAIC. "2022 Market Share Report."
  3. Ambest.com. "Amica Mutual Insurance Company."
  4. Amica. "StreetSmart."
  5. Libertymutual.com. "RightTrack®."
  6. Amica. "Car Insurance Coverage."
  7. Libertymutual.com. "Main Types of Car Insurance Explained."
  8. Amica. "Discounts."
  9. Libertymutual.com. "Auto Insurance Discounts."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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