Amica vs Liberty Mutual: which is better for car insurance in 2026?
Across our six scoring categories, Amica comes out ahead in 3, Liberty Mutual in 2, with 1 too close to call. There is no overall score to compare, though: Liberty Mutual does not publish enough of the underlying data to earn one, and we would rather leave it blank than build a number out of the two or three figures that happen to exist. Amica is the better-documented of the two, which is not the same as being the better insurer for you. Judge these two on the categories where both have real figures — and on what they actually quote you.
Amica vs Liberty Mutual, side by side
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Category by category
Price
Too close to callLiberty Mutual does not release public rate data, so there is no like-for-like premium to set against Amica's $3,167/yr. That is a real gap in the comparison, not a rounding error — treat Liberty Mutual's price as unknown until you have a quote in hand.
$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.
Not published. Liberty Mutual releases no public rate data, so no independent study — including ours — can put a national average against it. Any figure you see quoted for Liberty Mutual is an estimate.
Claims satisfaction
Liberty Mutual aheadLiberty Mutual takes claims satisfaction on 730/1,000 against Amica's 718/1,000.
718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.
730 out of 1,000, third-highest in the J.D. Power 2025 study and thirty points above the segment average.
Complaint record
Amica aheadAmica takes complaint record on Fewer than expected against Liberty Mutual's More than expected.
Fewer complaints than expected for its size.
More complaints than expected for its size, based on 2021–2023 data — a different window from most carriers here, so not perfectly comparable.
Financial strength
Amica aheadAmica takes financial strength on A+ against Liberty Mutual's A.
AM Best A+ (Superior), affirmed March 2026.
AM Best A (Excellent).
Discounts
Amica aheadAmica takes discounts on 17 published against Liberty Mutual's 12 published.
Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.
Twelve published discounts, plus a customization tool Liberty Mutual says saves 12% or more — though that is excluded in nine states.
Digital experience
Liberty Mutual aheadLiberty Mutual takes digital experience on 4.79 iOS / 4.6 Android against Amica's 4.82 iOS / 3.2 Android.
4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.
4.79 on the App Store and 4.6 on Google Play across 669,000 combined ratings. Solid on both platforms.
So which one?
Pick Amica if…
- You are among drivers who will pay more for service and expect to file claims.
- You want the lower complaint record — Amica sits at Fewer than expected.
- Financial strength is a priority; Amica holds A+ from AM Best.
- You expect to stack discounts — Amica's lineup is the broader of the two.
Pick Liberty Mutual if…
- You are among drivers who value claims handling and will quote it directly.
- You care most about how a claim actually goes: Liberty Mutual scores 730/1,000.
- You would rather handle everything in an app than on a phone call.
- Availability fits: 45 states and D.C. — not available in Alaska, California, North Dakota, South Dakota or Wyoming.
Amica vs Liberty Mutual, answered
The questions people ask before switching between these two.
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