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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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® Joel Ohman

UPDATED: Apr 1, 2022

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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 services –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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What is the history behind Automobile Mutual Insurance Company of America?

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 standard services from investments and advice to property and casualty protection.

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What is the history behind American Automobile Association?

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.

It may seem like they only offer towings and roadside assistance, but they actually do have more options available. 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. So yes, chances are if someone gets a flat tire, they’re going to call AAA, because they have a wide range of roadside assistance coverage. However they can appeal to their consumer base in a number of other ways as well.

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.

What are some similar options between the two?

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

Because the market has so many options available to someone looking for insurance, not only is cost going to be a major factor, but availability of coverage is going to make a difference as well. When a company offers a wide array of choices, bundling becomes more of a possibility, which means more money for the company, and better protection for the customer. In essence, it becomes a win-win!

What are their ratings?

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. Ease of access to one’s auto policy, or any other policy they might have, tends to make for better customer satisfaction ratings. However if you still prefer to call into customer service, that’s still an option too.

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How do they contrast?

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 traveler’s needs than in insurance, while Amica is nationwide and focuses on insurance and investments alone.

So before you make a choice, whether you’re looking to switch providers or sign up for a new policy, take a few things into consideration. Look at customer reviews, overall cost, whether or not you could receive discounts from them, and what your policy limits will be.

By looking into your policy limits, you’ll be able to figure out what you’re offered and at what price. For example, if you’re interested in towing services, ask if that’s provided within your policy, or if it’s considered additional coverage. The last thing you want is to be in an accident and then told that you’ll have to pay in order to tow your car to a mechanic because it wasn’t covered under your policy.

Shop around, and take your time to find a good fit. There are competitive rates and affordable insurance policies out there, you just need to look for them.

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