Amica vs AAA

When comparing Amica vs. AAA, you must consider your needs. Both companies are financially stable and offer similar services. AAA focuses on trip planning and roadside assistance, while Amica focuses on insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • Amica and AAA both offer coverage options for car insurance
  • Amica focuses on insurance and investments nationwide
  • AAA offers services for travelers’ needs to select members


Amica and AAA are two of the oldest insurance providers in the United States.

Both organizations have been in operation for over one hundred years, and through innovation and adaptation they have outlasted the ups and downs of the economy and expanded to become icons in their industry.

The AAA organization is much more recognizable–more often than not for their history of roadside assistance–and is the larger of the two.

The main contrasts between the two organizations are their main focuses. Amica focuses its efforts on insurance while travel assistance is the focus for AAA.

The customer base for the two companies also creates a differentiation.

AAA is a membership structure and only offers memberships in certain areas while Amica is open to anyone nationwide regardless of a membership status.

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Automobile Mutual Insurance Company of America (AMICA) History

Amica is the oldest operating mutual insurance in the nation, having been in service since 1902, and has grown to become one of the largest insurance providers.

Beginning as a small automobile insurance company in Providence, Rhode Island, Amica was founded on sound business investments that have helped it to show steady growth and profit, even in the roughest of economic times.

Amica is a mutually held company with the control in the hands of the policyholders. Today, Amica offers a wide range of services from investments and advice to property and casualty protection.

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American Automobile Association (AAA) History

The AAA organization that we see today is far different from the original group of car enthusiasts that came together in 1902.

The original group of just one thousand members was more concerned with improving the conditions of roads and highways than they were with insurance and actually lobbied for that end.

AAA steadily evolved into a multifaceted company, providing maps, directions, travel guides, and even trip planning in addition to their traditional services.

AAA has focused more on the traveler with travel currency and its historic roadside assistance, but also offers traditional insurance that varies from region to region.

AAA started with just nine original regions, but today there are sixty-nine regions in the U.S. and Canada with over fifty million members.

AAA and Amica Products

While there are some stark contrasts between the two, Amica and AAA do offer many of the same services in the property and casualty arenas, including:

  • Automobile Insurance
  • Life Insurance
  • Homeowners Insurance
  • Online Services

Amica and AAA Ratings and Contrasts

Amica and AAA both have a good rating with A.M. Best and their customers. Amica has a better rating with an “A++”, while AAA is rated at “A-” with A.M. Best for their life insurance.

Both organizations have also embraced progress and technology to make their claims processes easier for the customer, including online claims and quotes.

The biggest difference in the two companies is the membership requirements of AAA and the limited regions they operate in.

AAA is larger in relation to its number of members, but specializes more in travelers’ needs than in insurance, while Amica is nationwide and focuses on insurance and investments alone.

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