Amica vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Ratings

Insurify Composite Score

Amica
95
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Insurify Composite Score

USAA
96
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Insurify Composite Score

Amica VS USAA
95
96
What is this?
User Ratings
OptionsAmica USAA
Rating/Reviews
251 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmica USAA
Call Center RepresentativeAbout averageAmong the best
Insurer WebsiteAbout averageAmong the best
Local AgentAmong the bestAbout average
Overall SatisfactionBetter than mostAmong the best
Policy OfferingsBetter than mostAmong the best
PricingBetter than mostAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmica USAA
Claim ServicingAmong the bestBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Among the bestAmong the best
Overall SatisfactionAmong the bestAmong the best
Rental ExperienceAbout averageBetter than most
Repair ProcessBetter than mostAmong the best
SettlementAmong the bestBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAmica USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England879 pt
Among the best
893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionAmica USAA
Android
361 Reviews
98,577 Reviews
iOS
9 Reviews
3,600 Reviews
Financial Ratings
OptionsAmica USAA
A.M. BestA+A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityAmica USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityAmica USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityAmica USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityAmica USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityAmica USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityAmica USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityAmica USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityAmica USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityAmica USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityAmica USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityAmica USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityAmica USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityAmica USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeAmica USAA
Multiple Vehicle DiscountUp to 25%Up to 13%
Anti-Theft Device DiscountUp to 15%Up to 20%
Good Student DiscountUp to 10%Varies
Low Mileage DiscountUp to 10%Varies
Multiple Policy DiscountUp to 10%Up to 9%
Student Away at School DiscountUp to 10%Up to 20%
Anti-lock Brake DiscountUp to 5%Varies
Accident ForgivenessVariesVaries
Claims Free Renewal DiscountVaries--
Defensive Driver DiscountVariesVaries
Driving training discountVariesVaries
E-billing DiscountVaries--
Electronic Stability ControlVaries--
Family DiscountVariesUp to 10%
Good Driver DiscountVariesUp to 10%
Loyalty DiscountVariesVaries
Paid in full discountVaries--
Paperless documents discountVaries--
Preferred payment discountVaries--
Provider Switch DiscountVaries--
Daytime Running Lights Discount--Varies
Military Discount--Up to 15%
New Car Discount--Varies
Passive Restraint Discount--Up to 15%
Vehicle Storage Discount--Up to 60%
teenSMART Discount--Varies

Payment Methods

Discount typeAmica USAA
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yes--

Features and Services

Features and ServicesAmica USAA
24/7 serviceyesyes
Accident forgivenessyes--
Diminishing deductibleyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyesyes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesAmica USAA
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Airbag Replacement Coverage
yes--
Comprehensive Claim Forgiveness
yes--
Electronic Key & Lock Replacement
yes--
Extended Coverage
--yes
Glass Coverage yes--
Platinum Choice Auto
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Online Quoting by State

  • Amica
  • USAA
  • Both

Uber and Lyft driver insurance

  • Amica
  • USAA
  • Both

Compare Insurance Products

ProductAmica USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Marine InsuranceMarine Insuranceyes--
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insuranceyesyes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Amica Reviews
  • USAA 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