Amica vs Liberty Mutual 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

Amica
95
What is this?

Insurify Composite Score

Liberty Mutual
82
What is this?

Insurify Composite Score

Amica VS Liberty Mutual
95
82
What is this?
User Ratings
OptionsAmica Liberty Mutual
Rating/Reviews
251 reviews
857 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmica Liberty Mutual
Call Center RepresentativeAbout averageAbout average
Insurer WebsiteAbout averageBetter than most
Local AgentAmong the bestBetter than most
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmica Liberty Mutual
Claim ServicingAmong the bestThe rest
Estimation ProcessBetter than mostThe rest
First Notice of Loss (FNOL)Among the bestAbout average
Overall SatisfactionAmong the bestThe rest
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostAbout average
SettlementAmong the bestThe rest
J.D. Power Ratings by Region (out of 1000)
RegionAmica Liberty Mutual
California--816 pt
About average
Central--806 pt
The rest
Florida--805 pt
The rest
Mid-Atlantic--801 pt
The rest
New England879 pt
Among the best
809 pt
About average
New York--818 pt
About average
North Central--812 pt
The rest
Northwest--807 pt
About average
Southeast--814 pt
The rest
Southwest--811 pt
About average
Texas--807 pt
The rest
Mobile App Ratings
RegionAmica Liberty Mutual
Android
361 Reviews
2,531 Reviews
iOS
9 Reviews
12,900 Reviews
Financial Ratings
OptionsAmica Liberty Mutual
A.M. BestA+A
Fitch--A-
Moody's--A2
Standard & Poor's--A

Quotes & Discounts

Discount typeAmica Liberty Mutual
Multiple VehicleUp to 25%Up to 5%
Anti-Theft DeviceUp to 15%Up to 25%
Good StudentUp to 10%Up to 22%
Low MileageUp to 10%--
Multiple PolicyUp to 10%Varies
Student Away at SchoolUp to 10%Varies
Anti-lock BrakeUp to 5%Varies
Accident ForgivenessVaries--
Claims Free RenewalVariesVaries
Defensive DriverVaries--
Driving trainingVariesUp to 30%
E-billingVaries--
Electronic Stability ControlVariesVaries
FamilyVaries--
Good DriverVaries--
LoyaltyVaries--
Paid in fullVariesVaries
Paperless documentsVariesVaries
Preferred paymentVariesVaries
Provider SwitchVaries--
Accident Free--Varies
Accident Prevention Course--Varies
Advance shopper--Up to 45%
ByMile--Varies
EV/Hybrid--Varies
Early Shopper--Varies
Home Owner--Varies
Military--Varies
New Graduate--Varies
New Teen Driver--Varies
Newlywed--Varies
Organization--Varies
Passive Restraint--Up to 20%
Policy Update/Extension--Varies
RightTrack--Up to 30%
Safety Feature--Varies
Senior Adult--Varies
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 12%
teenSMART--Varies

Payment Methods

Discount typeAmica Liberty Mutual
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Payroll Deduction
--yes
Phone Payment
yesyes
Prepayment
--yes

Features and Services

Features and ServicesAmica Liberty Mutual
24/7 serviceyesyes
Accident forgivenessyesyes
Diminishing deductibleyes--
Enhanced towing & substitute coverageyesyes
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesAmica Liberty Mutual
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Airbag Replacement Coverage
yes--
Better Car Replacement
--yes
Comprehensive Claim Forgiveness
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
--yes
Emergency Lockout Coverage
--yes
Gap Insurance
--yes
Glass Coverage yes--
Legal Defense Costs Coverage
--yes
Lifetime Repair Guarantee
--yes
New Car Replacement Coverage
--yes
Original Equipment Manufacturer Coverage
--yes
Platinum Choice Auto
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Teachers Insurance
--yes
Umbrella Policy
yes--
Vanishing Deductible
--yes
Work Loss Coverage
--yes

Online Quoting by State

  • Amica
  • Liberty Mutual
  • Both

Uber and Lyft driver insurance

  • Amica
  • Liberty Mutual
  • Both

Compare Insurance Products

ProductAmica Liberty Mutual
Accident InsuranceAccident Insurance--yes
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Critical Illness InsuranceCritical Illness Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Life InsuranceLife Insuranceyesyes
Marine InsuranceMarine Insuranceyes--
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insuranceyesyes
Tuition InsuranceTuition Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Amica Reviews
  • Liberty Mutual Reviews
3.6
5 Stars
57 %
4 Stars
6 %
3 Stars
7 %
2 Stars
4 %
1 Star
26 %

Most Positive Review

By Billy
I've NEVER NEVER EVER HAD NO BAD EXPERIENCE WITH ( AMICA ) They've always been kind with the local office an the outside customer service operators when I've ever had a question about my policy. I'm not really looking to change to somewhere else. I do get curious at times just to see if anyone else is cheaper than Amica, so far no one else has been able to beat Amica so I'm sticking with Amica. Thank You For Having the Best an Greatest Coverage on my vehicle an home. Keep up the GREAT WORK :)

Most Critical Review

By Lauren
If I could give zero stars, I would. We spoke with a representative [Michael Young] and he got us set up for a policy on a house we're planning to close on. We waited for confirmation on the policy, and waited, and waited. As the closing date approached, we received a call from him saying to give him a call back, no big deal. We did, no return call. Tried multiple times over the next four days. Nothing. Sent emails, called again. Find out through another call [again still can't get a hold of Michael] that they just need confirmation that we'll handle a small bit of left over mold [which our inspector said was not a problem] withing 30 days of closing. Sure thing! We'll handle that. Meanwhile, our loan officer is trying to get a hold of them as well to finalize details. Finally get a call TWO DAYS before closing to hear they will not be able to insure us. Thanks AMICA for making home buying so stressful! We'll be sure to let everyone know how "helpful" you are.

All Reviews

Showing 1 - 10 out of 251 Reviews
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Read reviews that mention

Cheryl
The service
Justin
Ronnie
To get a cheaper rate.
Jerome
Jerome
hong
Good company ! I was a customer of Amica for 10 + years. I had both auto and home insurance with them. They always always great! Very professional ! Good service
DavidNC
Bought a house last year in Wilmington, NC and insured it with Amica as they had the best premium price for my older home. Hurricane Florence rolled through last fall and now they are trying up my premiums by more than 50% because I made a legitimate claim. Basically they are more or less trying to drop me for fulfilling their obligations. Other people in the area who made claims are experiencing only very minor increases in their insurance rates, or none at all.
Frank T
5 renewal Policies where cancel because over the years the cost increased so much and I had no claims it force me to go out and get it quoted what a surprise I got, I been getting screwed badly, I spoke with Amica 3 times on the phone, cancelation letters were mailed from the new insurance company, I know Amica got the cancelation letters because they called me 3 times to letting me know that after the current Policies expired I was not going to be covered with Amica. The day after the 5 Policies expired my checking account was charger, I never signed the renewals they got cancelation letters and still got withdraw from my account, when I called they confirm everything was canceled and they would mail me a check, this is not acceptable first the withdrawal should of never happen and now I have to wait for a check to be mailed and waste time cashing a check. Let’s hope next month I don’t get charged again. Is unbelievable how fast they can take money out of your account but to pay you back you need to wait.
Alec
Never told you would not renew his insurance
Christian L
Amica used to be good but as of late they are absolutely horrific. Their insurance agents go back on what they say, making changes without informing both parties on the account of the changes like they say they have to. Going through a divorce is stressful enough but having Amica make up rules as they go along doesn't make things easier or any less stressful. No matter what information they were given they went against it 100% and never actually contacted me when changes were made by my exwife. Now, they are claiming that they had consent to make said changes. From who? My exwife made all the changes without my consent. After speaking with a ********* of a representative, I asked to speak to a manager. They are all at lunch yet supposedly their lunches are staggered so there is always a manager free. Absolutely awful company that leaves a very sour taste in your mouth. If you want to get screwed over by a car insurance company (more so than other insurance companies), go with Amica. If you want someone honest, go somewhere else don't waste your time. I will NEVER go back to Amica. They are absolutely horrible.
Showing 1 - 10 out of 251 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.