Between Amica and Esurance, Amica is certainly the larger of the two. Founded in 1907, Amica is the oldest automobile insurer in the United States, has 43 offices (including their headquarters in Rhode Island), and 3,234 employees as of December 31, 2009.

Esurance, launched in 1999, is smaller with just over 1,700 employees, 774,000 policies-in-force, and 10 offices operated for the sole purpose of claims.

Read through this Amica Esurance comparison and then use the free tool above for your own car insurance comparison!

Awards Received by Amica and Esurance

When comparing the awards and ratings received, remember that larger companies usually have more experience and resources to devote to non-core business activities.

Esurance

• A.M. Best financial strength rating and issuer credit rating of “A-“, excellent
• Website rated #1 by Change Sciences Group 2 years running for usability
• Official Honoree of the Webby Awards for 2 years
• 80% of customers would recommend Esurance to others

Amica

• A.M. Best financial strength rating of “A+”, superior
• Rated by J.D. Power and Associates as the highest in customer satisfaction for auto insurance from 2000-2009 and in customer satisfaction for home insurance from 2002-2009
• Awarded “Customer Service Champ” by Bloomberg BusinessWeek
• Listed on Ward’s 50 top performing life-health insurance companies in 2009
• Received the National Commission Against Drunk Driving, Education and Prevention award
• 94.3% policyholder retention rate

Availability and Insurance Policies Offered

Amica and Esurance both share several standard policies.

Policies shared by both Amica and Esurance:

• Auto
• Homeowners
• Renters
• Health
• Life
• Marine

Policies unique to Esurance:

• Collectable cars

Policies unique to Amica:

• Condo
• Retirement
• Disability
• Excess liability
• Long term care
• Annuity
• Personal umbrella

Esurance policies are available in only 30 different states. Amica offers policies in every state except for Hawaii.

Fees and Payments: Amica versus Esurance

Esurance lists the following fees for policies:

• Finance notification fee (when buying a car)
• Installment payment fee (when paying premiums monthly)
• Paper record fee (when requesting written records)
• Policy fee (required by certain states for issuing and renewing policies)
• Additional state mandated fees (varies by state)

There are only two fees disclosed by Amica:

• A $3 installment service fee if mailing installment payments
• A $25 return item fee when a bank account used for an automatic payment has insufficient funds

Both Amica and Esurance allow monthly or annual payment of premiums. Failure to pay premiums will result in cancellation of the policy after 2 missed payments. Make payments by:

• Debit/Credit card
• Automatic bank account withdrawals

Amica also allows for mailing of payments to the company.

How Amica and Esurance Handle Claims

Amica and Esurance both offer full online access to accounts and a 24/7 toll free number to contact a claims representative. Where the two companies differ is the time for claim settlements.

Esurance

• Professes to settle most claims within 15 days

Amica

• States it will complete an appraisal and reach an agreement for repair usually within 1 or 2 business days
• Payment of claims within 3 business days, once all documentation is filed

Amica or Esurance?

Before making your decision between Esurance or Amica for car insurance make sure that you compare rates from many different companies to find the best deal. Enter your zip to start now!