American Family vs. Amica Car Insurance Comparison [2024]

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Tracey L. Wells

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Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

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Kristen Gryglik

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Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...

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UPDATED: Apr 15, 2024

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Here's what you need to know...

  • Amica Mutual offers competitive rates, but American Family Insurance offers more specialized coverages.
  • Both companies offer specialized discounts, but you might find more savings with American Family auto insurance discounts.
  • Both companies have excellent financial strength ratings, and they have received excellent customer service ratings in select regions.

Choosing between American Family vs. Amica car insurance can be difficult because both are affordable while offering excellent services.

Of course, American Family Insurance (also known as AmFam) and Amica Mutual offer basic car insurance coverage. This includes collision car insurance, comprehensive car insurance, medical expenses (MedPay), liability car insurance, and personal injury protection.

These companies also offer specialized coverages and mobile apps.

Additionally, both auto insurance companies offer unique discounts. For example, American Family offers early signup discounts and Amica offers discounts for homeowners.

Read on to know more about the advantages of using affordable American Family vs. Amica car insurance. And when you are ready to compare American Family vs. Amica car insurance rates, you can enter your ZIP code in our free quote tool above.

What are the best coverages that both American Family and Amica offer?

American Family and Amica offer accident forgiveness, rental car reimbursement coverage, and mobile apps.

Accident forgiveness prevents an increase in insurance rates after an accident.

  • America Family offers direct accident forgiveness through a paid plan. Ultimately, drivers can earn free accident forgiveness after holding an AmFam policy and being accident-free for five years.
  • Amica offers accident forgiveness coverage with its Good Driving Rewards program. Drivers can earn points (which never expire) by having a good driving record, renewing auto insurance policies, and referring others.

Rental car reimbursement coverage kicks in when a policyholder’s car is totaled or in the shop for repairs. It covers the cost of rental cars and expenses for alternative transportation, like buses or taxis.

  • Amica will reimburse you for $20 a day and up to $500 under standard car rental coverage.
  • American Family’s coverage limit varies, but you can choose a car rental insurance provider or use an approved provider. Approved providers will bill American Family directly.

American Family and Amica offer apps for your convenience.

  • Basic mobile apps (MyAmFam and the Amica Mobile App) can help you track your policies, submit insurance claims, talk to representatives, and use 24/7 roadside assistance.
  • American Family offers the KnowYourDrive app for its usage-based auto insurance program.
  • AmFam also has an app for its Teen Safe Driver program.

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What is the advantage of using American Family Auto Insurance?

American Family Insurance offers a comprehensive suite of auto insurance coverages and exceeds Amica in a few areas.

  • American Family offers classic and collector car insurance, as well as commercial car insurance.
  • Rideshare Insurance will help fill the gap between your personal insurance plan and any plan that the rideshare company offers.
  • AmFam also offers a Travel Peace of Mind Package for people who travel with their cars. This coverage includes Accidental Death and Dismembership benefits, Emergency Roadside Assistance, Rental Reimbursement, and Road Trip Accident Accommodations.

You can also check out our American Family car insurance review to learn more.

What is the advantage of using Amica Car Insurance?

One advantage that Amica insurance has is that it may be more affordable than American Family Auto Insurance. Yearly rates for Amica can be under $1,000 or as high as $2,700. America Family’s yearly rates range from $1,400 to $3,698.77.

Amica is owned by its policyholders, there are no outside shareholders. Also, Amica’s Platinum Choice Auto program offers policyholders extra benefits, like increased car rental coverage (up to $5,000) and identity protection.

Amica Insurance will also pay for rental reimbursement if you need to rent a car after an accident and cover the cost of the rental.

Amica’s key advantage over American Family is that the latter is only available in 19 states. Amica Mutual Insurance, which offers car insurance, is authorized to operate in all states.

Learn how to get an Amica Insurance car insurance quote online.

American Family vs. Amica Insurance: Which company has better car insurance discounts?

American Family and Amica offer many of the same car insurance discounts, like multi-car, multi-policy, and loyalty/generational discounts. However, each company offers a few exclusive discounts.

American Family offers extra discounts based on signing up and car Usage. It also has a unique spin on young driver discounts.

  • AmFam offers the Early-Bird discount, which allows you to save for signing up seven days before your auto policy is active. You can also save from moving to one of the company’s competitors.
  • You can save money by using the KnowYourDrive app and maintaining a good driving record. Or save by racking up fewer than 7,500 miles per year on your car.
  • American Family’s young driver discounts include the Teen Safe Driver and Young Volunteer programs. The former is tied to the use of an app. To qualify for the latter, drivers must be under 25 years old and work at a non-profit for 40 hours per year.

Read more: Non-Profit Car Insurance Companies

Amica offers extra discounts for owning a home and payment methods.

  • If you own a home, you can get a discount, whether you have Amica home insurance or not.
  • Amica and American Family Auto Insurance offer discounts for full payments. They also offer AutoPay and paperless billing, but Amica offers discounts for the other two while American Family does not.
  • Amica Insurance offers a loyalty discount available to drivers who stay with the company for at least two years. Moreover, it has a discount available if you go three years without a claim.

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American Family vs. Amica car insurance company: Who has better customer service and financial ratings?

Overall, there is more review info about American Family than there is for Amica, but both have received high financial ratings from A.M. Best and some good customer service ratings from J.D. Power.

American Family recently received an A (Excellent) rating from A.M. Best, an A+ rating from Fitch, an Aa3 rating from Moody’s, and an A+ rating from Standard & Poor’s.

America Family’s J.D. Power ratings for three regions (Central, North Central, and Northwest) were below average, but it received 834 out of a possible 1,000 points for the Southeast region. It was tied with Geico for the lead there.

Amica Mutual received 861 points in the New England region, leading all companies. On the financial front, A.M. Best gave Amica Mutual an A+ (Superior) rating.

Should you buy American Family or Amica Car Insurance?

As you can see, American Family and Amica Mutual both offer great services and discounts. There are also financially sound, but is that enough to make your choice to buy America Family vs. Amica Car Insurance?

If you live in the 19 states where American Family operates, you may want to consider AmFam. If affordability is your top concern, you may prefer Amica.

Moreover, Amica will generally take drivers who have a clean driving record, so you might want to consider this.

To know more about American Car Insurance, please read our American Family Car Insurance Review.

When you are ready to compare American Family vs. Amica car insurance quotes, just enter your ZIP code into the quote tool below.

Frequently Asked Questions

What coverages do American Family and Amica offer?

Both American Family and Amica offer collision, comprehensive, liability, and medical expense coverages, as well as personal injury protection.

What advantages does American Family Auto Insurance have?

American Family offers a comprehensive suite of auto insurance coverages and exceeds Amica in certain areas.

What advantages does Amica Car Insurance have?

Amica may be more affordable than American Family, offers the Platinum Choice Auto program with additional benefits, and is available in all states.

Which company offers better car insurance discounts, American Family or Amica?

Both companies offer similar discounts, but American Family has unique discounts based on signup and car usage, while Amica offers discounts for home ownership and payment methods.

Which company has better customer service and financial ratings, American Family or Amica?

Both companies have received high financial ratings, but American Family has more review information available. Customer service ratings from J.D. Power are good for both companies.

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