AAA vs Amica Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

Amica
95
What is this?

Insurify Composite Score

AAA VS Amica
85
95
What is this?
User Ratings
OptionsAAA Amica
Rating/Reviews
411 reviews
251 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA Amica
Call Center RepresentativeThe restAbout average
Insurer WebsiteThe restAbout average
Local AgentBetter than mostAmong the best
Overall SatisfactionAbout averageBetter than most
Policy OfferingsAbout averageBetter than most
PricingAbout averageBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA Amica
Claim ServicingAbout averageAmong the best
Estimation ProcessThe restBetter than most
First Notice of Loss (FNOL)The restAmong the best
Overall SatisfactionAbout averageAmong the best
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostBetter than most
SettlementAbout averageAmong the best
J.D. Power Ratings by Region (out of 1000)
RegionAAA Amica
California840 pt
Better than most
--
Central833 pt
Better than most
--
New England--879 pt
Among the best
North Central808 pt
The rest
--
Texas821 pt
About average
--
Mobile App Ratings
RegionAAA Amica
Android
24,330 Reviews
361 Reviews
iOS
737 Reviews
9 Reviews
Financial Ratings
OptionsAAA Amica
A.M. BestAA+

Quotes & Discounts

Discount typeAAA Amica
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%Up to 10%
teenSMARTUp to 24%--
Good DriverUp to 20%Varies
Anti-Theft DeviceUp to 17%Up to 15%
Good StudentUp to 14.5%Up to 10%
Multiple VehicleUp to 12.5%Up to 25%
Multiple PolicyUp to 11.8%Up to 10%
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%Varies
Current insuranceUp to 5%--
LoyaltyUp to 5%Varies
Affinity groupVaries--
Anti-lock BrakeVariesUp to 5%
Driving trainingVariesVaries
Home OwnerVaries--
Low MileageVariesUp to 10%
Original OwnerVaries--
Accident Forgiveness--Varies
Claims Free Renewal--Varies
Defensive Driver--Varies
E-billing--Varies
Electronic Stability Control--Varies
Family--Varies
Paperless documents--Varies
Preferred payment--Varies
Provider Switch--Varies

Payment Methods

Discount typeAAA Amica
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yes--
Mail Payment
--yes
Online Payment
yesyes
Phone Payment
--yes

Features and Services

Features and ServicesAAA Amica
24/7 serviceyesyes
Accident forgiveness--yes
Diminishing deductible--yes
Enhanced towing & substitute coverageyesyes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes
Text and email alerts--yes

Optional Coverages

Optional CoveragesAAA Amica
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yesyes
Airbag Replacement Coverage
--yes
Comprehensive Claim Forgiveness
--yes
Electronic Key & Lock Replacement
yesyes
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage yesyes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yes--
Pet Coverage
yes--
Platinum Choice Auto
--yes
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes

Online Quoting by State

  • AAA
  • Amica
  • Both

Compare Insurance Products

ProductAAA Amica
Car InsuranceCar Insuranceyesyes
Condo InsuranceCondo Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Marine InsuranceMarine Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • AAA Reviews
  • Amica Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.