Amica vs. Liberty Mutual: Which Is the Best? (2024)

Both Amica and Liberty Mutual are excellent options for car insurance. The best company for you will depend on your insurance needs and budget.

Anna Baluch
Written byAnna Baluch
Photo of an Insurify author
Anna BaluchInsurance Writer
  • 4+ years writing insurance and personal finance content

  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

Featured in

media logomedia logomedia logo
Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated October 29, 2024

Save up to $852 by comparing quotes from the top 100+ insurance companies

Excellent
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

If you’re looking for a car insurance policy, you might explore Amica and Liberty Mutual. Known as the oldest mutual automotive insurer in the U.S., Amica is a smaller auto insurance company with excellent customer satisfaction ratings and 24/7 claims processing.[1] Despite this, its advertised discounts aren’t available everywhere.

Liberty Mutual, which also sells home insurance, renters insurance, and other products, is the sixth-largest car insurance company in the U.S. by market share. It offers a lifetime repair guarantee and an accident forgiveness program for an additional cost but has many negative customer reviews.[2]

Here’s a closer look at how Amica compares to Liberty Mutual so you can make an informed decision and choose the right insurer for your unique situation.

Quick Facts
  • In general, Liberty Mutual offers cheaper car insurance rates than Amica.

  • Amica has more discounts than Liberty Mutual, so you can still lock in affordable coverage through the insurer.

  • While Amica holds an A+ (Superior) financial stability rating with AM Best, Liberty Mutual earned an A (Excellent) rating.

Amica vs. Liberty Mutual: The verdict

When it comes to cheap car insurance, Liberty Mutual is the clear winner, as its premiums are lower than Amica’s across most driver demographics, including teens, seniors, and military personnel. However, Amica advertises more discounts — they’re only available in select states but may help reduce car insurance costs.

While both Amica and Liberty Mutual offer 24/7 roadside assistance and typical coverage levels, like liability insurance and full coverage, Liberty Mutual stands out for its accident forgiveness program, which won’t increase your rates after your first accident.

As far as financial strength and financial support, Amica excels over Liberty Mutual. While Amica earned an A+ (Superior) financial strength rating from AM Best, Liberty Mutual lags a bit behind with an A (Excellent) rating.[3]

Factor
Amica
Liberty Mutual
Insurify Quality Score8.37.7
J.D. Power customer satisfaction score833 out of 1,000799 out of 1,000
Average quote: liability only$152$138
Number of available discounts1813
Number of states where it operates4950
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Amica

Based in Rhode Island and founded in 1907 as Automobile Mutual Insurance Company of America, Amica Mutual Insurance Company offers a variety of car insurance products as well as discounts for policyholders.

Compare personalized, real-time quotes
User Reviews
3.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$152/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$280/mo

Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders, rather than shareholders. The company has A+ ratings from A.M. Best for financial stability and credit, and was the highest-ranked insurer for customer satisfaction in New England according to J.D. Power. Amica offers numerous discounts to help drivers save, and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.

Pros
  • Good ratings for customer service and satisfaction

  • Multiple discounts and coverage options available

Cons
  • Higher-than-average rates for drivers with traffic violations

  • Limited number of local offices

Read more driver reviews of Amica
Bill - October 15, 2024
Verified

House and Auto Comparison

Amica is incredibly expensive. I am curious to see if other companies are as well.

Sheri - October 14, 2024
Verified

Love Amica

They are the best in customer service. I love them, but I am looking around just because my rates in Colorado are so high. I am not looking because there is anything I don't like about Amica.

Nina - October 7, 2024
Verified

Auto Insurance Too Expensive!

The prices increase significantly at every renewal without any notifications. The staff is nice, but it's just way too expensive.

Liberty Mutual

Boston-based Liberty Mutual debuted in 1912 and is known as the sixth-largest car insurance company. The company’s offerings include an accident forgiveness program and lifetime repair guarantee.

Compare personalized, real-time quotes
User Reviews
2.8
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.7/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$138/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$254/mo

In business for more than 100 years, Liberty Mutual offers auto, homeowners, condo, renters, flood, life and other insurance products. Policyholders have access to numerous discounts, including bundling, good student, military, student-away-at-school, claims-free, violation-free, and multi-car discounts. Liberty Mutual has an A rating for financial strength from A.M. Best and an A+ rating from the Better Business Bureau. However, the company has three times the expected rate of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index, and low ratings on consumer review sites Trustpilot and Sitejabber.

Pros
  • Wide range of available discounts

  • Accident forgiveness available

Cons
  • Many negative reviews and customer complaints

  • Premiums are relatively high compared to industry average

Read more driver reviews of Liberty Mutual
Frank - October 29, 2024
Verified

Been with them for 27 years, but I'm unsure

They are expensive. We are low mileage drivers with three cars, and only my wife and I are driving.

Gary - October 29, 2024
Verified

Price Gouging!

They recently increased my premium from $182 to $231 per month for no apparent reason, other than a general raise for everyone.

Donald - October 29, 2024
Verified

Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!

Don't use them, they will increase your rate within the six-month period of your term! And that's with no claims!

Amica StreetSmart vs. Liberty Mutual RightTrack

Amica StreetSmart is a telematics program that can reward you for driving safely. In addition to discounts on your rates, you may earn rewards based on your driving habits. You can redeem these rewards for charitable donations or gift cards from popular retailers like Amazon and Target. The discount you’ll receive will depend on your StreetSmart score after driving with the mobile app for 91 days.[4]

RightTrack is Liberty Mutual’s telematics program, which involves an app or plug-in device you can place in your vehicle. After participating in RightTrack for 90 days, you’ll qualify for a premium discount of up to 30%, as long as you prove you’re a safe driver. You might also secure a 10% discount just for signing up.[5]

Learn More: How Does Usage-Based Insurance Work?

Learn More: How Does Usage-Based Insurance Work?

Amica vs. Liberty Mutual: Which is the cheapest?

Liberty Mutual is the cheapest car insurance company of the two. But your particular rates will depend on a variety of factors, including your location, age, driving record, and credit history.

Find Affordable Car Insurance

Rates start at just $17 per month for minimum coverage

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Liberty Mutual: Cheapest for drivers with a clean driving record 

Liberty Mutual offers the lowest rates for drivers with a clean record, free of serious traffic violations like speeding tickets and DUIs.

Driver Type
Amica
Liberty Mutual
Clean driving record$152$138
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Liberty Mutual: Cheapest for drivers with a speeding ticket

Liberty Mutual’s premiums are the cheapest for drivers with a speeding ticket.

Driver Type
Amica
Liberty Mutual
Drivers with a speeding ticket$212$193
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Liberty Mutual: Cheapest for teen drivers

Teen drivers and young drivers with limited experience behind the wheel can expect lower rates with Liberty Mutual.

Driver Type
Amica
Liberty Mutual
18-year-old$197$248
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Liberty Mutual: Cheapest for drivers with bad credit

Liberty Mutual offers the cheapest premiums for drivers with bad credit scores.

Driver Type
Amica
Liberty Mutual
Drivers with bad credit$182$166
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Liberty Mutual: Cheapest for senior drivers

Senior drivers can find more affordable car insurance coverage with Liberty Mutual.

Driver Type
Amica
Liberty Mutual
Senior drivers$106$116
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Amica vs. Liberty Mutual

Amica and Liberty Mutual both offer these main coverages:

Unlike Amica, Liberty Mutual offers accident forgiveness to ensure your rates stay the same after your first automobile accident. However, Amica’s lineup of coverage options and add-ons is unique because it includes glass coverage, which will repair or replace your damaged windshield and windows without a deductible.[6] [7]

Coverage
Amica
Liberty Mutual
Glass coverageYesNo
Roadside assistanceYesYes
Rental car reimbursement YesYes
Accident forgivenessNoYes
Better car replacementYesYes
Gap coverageYesYes

Shop for Car Insurance Online

Monthly liability-only rates start at $17

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Compare discounts: Amica vs. Liberty Mutual

Discounts can help you secure lower car insurance rates. Even though Amica has more expensive premiums, it offers more discounts than Liberty Mutual. You can work with a local agent or visit each insurance company’s website for more information about them.

Here’s a look at the various discounts each car insurance company offers.[8] [9]

Discount
Amica
Liberty Mutual
Clean driving recordYesYes
Defensive driving courseYesNo
Multi-policyYesYes
Multi-carYesYes
Low mileageYesNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesNo
New carNoNo
Military/affiliationNoYes
Good studentYesYes
LoyaltyYesNo
Auto payYesYes
Student away at schoolYesYes
HomeownerYesYes
Alternative fuelNoNo

Amica vs. Liberty Mutual FAQs

Deciding which insurer is best for you can be challenging. Below, you’ll find answers to some of the most commonly asked questions about Amica and Liberty Mutual.

  • Is Amica the best insurance company?

    Amica earned a A+ (Superior) financial strength rating from AM Best, which means it’s a car insurance company that meets its financial obligations. However, the best insurer and policy for you depends on your budget, needs, and preferences.

  • How does Liberty Mutual rank as an insurance company?

    Liberty Mutual is the sixth-largest car insurance company and is considered one of the top insurance companies for its high marks. It also earned high customer service ratings from J.D. Power and ranks on Fortune’s 100 list of largest corporations in the U.S.

  • Why is Liberty Mutual so cheap?

    Liberty Mutual’s large market share and various discounts, including bundling discounts for pairing car insurance with homeowners insurance, allow it to offer cheap car insurance and competitive rates to policyholders.

  • What are the key differences between Amica and Liberty Mutual in terms of coverage?

    Liberty Mutual offers accident forgiveness, while Amica Insurance has glass coverage.

Sources

  1. Amica. "Company Facts and History."
  2. NAIC. "2022 Market Share Report."
  3. Ambest.com. "Amica Mutual Insurance Company."
  4. Amica. "StreetSmart."
  5. Libertymutual.com. "RightTrack®."
  6. Amica. "Car Insurance Coverage."
  7. Libertymutual.com. "Main Types of Car Insurance Explained."
  8. Amica. "Discounts."
  9. Libertymutual.com. "Auto Insurance Discounts."
Anna Baluch
Anna BaluchInsurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

media logo
Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

Latest Articles

View all