Pros and cons: Amica
✓ Excellent customer service ratings
✓ Plenty of coverage options
✓ More discounts than Liberty Mutual
✕ Expensive for high-risk drivers
Pros and cons: Liberty Mutual
✓ Cheaper than Amica
✓ Fewer complaints than average
✓ Great coverage options
✕ Lower financial strength than Amica
Amica vs. Liberty Mutual: Which is better?
Amica is a better car insurance company than Liberty Mutual for most drivers, but it’s close. Amica’s outstanding customer service reputation sets it apart from Liberty Mutual (and lots of other competitors).
But car insurance from Amica can be expensive, especially for drivers who have made a claim or have bad credit. While Liberty Mutual is generally cheaper, it’s still a good idea to compare car insurance quotes from multiple companies so you get the cheapest rates in your area.
Amica vs. Liberty Mutual: at a glance
We scored these categories on a five-point scale.
Why you can trust our insurance company comparisons
We calculated our expert ratings by considering cost, availability, customer experience and satisfaction, and coverage options. Our own Policygenius agents — who have years of experience working with real car insurance shoppers — also weighed in.
To come up with our company ratings, we accumulated company data for price, financial strength, customer experience, and coverage options. We assigned a weight to each category based on research and insight from our own licensed insurance editors and operations specialists. Here’s how our ratings categories break down:
Price (35%): We gave each company a score based on its average rate and available discounts.
Financial strength (25%): We gave point values based on each company’s A.M. Best Financial Strength Rating, S&P credit rating, and Moody’s credit rating.
Customer experience (20%): We scored companies based on how they performed on the most recent J.D. Power Auto Claims Satisfaction and Digital Experience surveys. This category also considers a company's complaint index, which is provided by the National Association of Insurance Commissioners.
Coverage options (20%): We scored companies for the number of coverage types offered and the quality of these options. Less common endorsements earned higher scores compared to add-ons that most companies offer.
Next, we converted each company’s raw values to the same standardized “z-score” and “t-score.” Finally, using a weighted average formula, we combined each category rating and converted it to a 5-point scale to calculate each company's overall Policygenius rating.
How we calculated coverage cost:
We determined the average costs for full-coverage car insurance from each company using rate data provided by Quadrant Information Services.
These rates were from every ZIP code across every state, along with the District of Columbia. Rates were for a 30-year-old male driver with a 2017 Toyota Camry. Our sample full-coverage policy included the following limits:
Bodily injury liability: $50,000 per person, $100,000 per accident
Property damage liability: $50,000 per accident
Uninsured/underinsured motorist: $50,000 per person, $100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Is Amica or Liberty Mutual cheaper?
Liberty Mutual has cheaper car insurance than Amica. On average, the cost of car insurance from Liberty Mutual is $169 less per year than Amica. Both companies are cheaper than the national average, but Liberty Mutual is $233 cheaper while Amica is $64 cheaper.
Does Amica or Liberty Mutual have better discounts?
Amica is the better car insurance company for car insurance discounts. Amica offers savings for signing up for automatic payments, paperless billing, and paying your entire premium at once, while Liberty Mutual doesn’t. Amica also offers a legacy discount for young drivers whose parents have Amica policies, as well as a discount for owning a home.
Comparing usage-based insurance from Amica and Liberty Mutual
Amica and Liberty Mutual have similar usage-based insurance discounts. Both StreetSmart (from Amica) and RightTrack (Liberty Mutual) have a trial period of around 90 days and a sign-up bonus. Also, neither company raises rates for driving poorly during the trial period.
We think that Liberty Mutual's usage-based insurance is a little better than Amica’s because of the maximum discount offered. You could save up to 30% on your rate with Liberty Mutual, but only 20% with Amica.
Is Amica or Liberty Mutual better for customer experience?
Amica is not just better for customer experience than Liberty Mutual, but it also has some of the best customer service ratings of any car insurance company. Amica received the highest rating on the 2022 J.D. Power Claims Satisfaction study, which ranks consumers' feelings about their insurer’s claims service. Liberty Mutual scored lower than average.
According to the National Association of Insurance Commissioners, Amica also received fewer complaints than average. The average complaint index is 1.0, but Amica’s complaint index is just 0.66.
Amica has better financial strength than Liberty Mutual
Amica has better financial strength than Liberty Mutual, according to ratings from A.M. Best. This means that A.M. Best is confident in the long term stability of Amica and its ability to pay out future claims.
Is Amica or Liberty Mutual better for coverage options?
Amica is better than SaLiberty Mutualfeco for drivers who want more coverage options. Amica offers gap insurance, which may be required if you lease or finance your car.
If you own your car outright, the companies are about the same. Both have the same basic add-ons, like rental reimbursement and roadside assistance. Amica and Liberty Mutual also offer new car replacement coverage.
But Amica also offers a top-tier, “Platinum” coverage package that includes extra add-ons like credit monitoring and extra coverage for rental cars.
Are there better companies than Amica and Liberty Mutual?
Amica and Liberty Mutual are both solid choices for car insurance, but if you want cheaper rates another company may be better for you.
If you want the cheapest rates, State Farm and GEICO have lower average premiums than either Amica or Liberty Mutual. Travelers is also cheaper than Amica and Liberty Mutual, and also has lots of add-ons for complete coverage.
Depending on where you live, a smaller regional carrier like Erie or Auto-Owners could offer better coverage for less.
Frequently asked questions
What are Amica and Liberty Mutual known for?
Amica is known for having some of the best customer service in the insurance industry. Liberty Mutual is known for offering a range of car insurance coverages.
Are Amica and Liberty Mutual good at paying claims?
Amica often ranks at or near the top of J.D. Power’s yearly Claims Satisfaction Study. This study ranks companies by how their policyholders view their claims service and settlements, so there’s good reason to think Amica is good at paying claims. Liberty Mutual ranks lower than average on this list.
How expensive is car insurance from Amica and Liberty Mutual?
Amica costs $131 a month, while Liberty Mutual costs $117 a month for the same amount of coverage, less than average. Amica can also be expensive for drivers who have a history of accidents, tickets, or bad credit.
