The oldest mutual auto insurance provider in the country, Amica Mutual Insurance Company has excellent customer service reviews and a legacy of satisfied customers.
- People who like getting money back on their policy
- Shoppers looking for unique add-ons including identity fraud monitoring
- Drivers who expect stellar customer experience
Not the Best For…
- Drivers looking for rock-bottom rates
- High-risk drivers
Is Amica right for you?
As one of America’s oldest insurance companies, Amica has a track record of excellent customer service and quality insurance products, with unique add-ons like identity fraud monitoring. As a mutual insurance company, customers can usually expect to get some money back in the form of dividend payments, which could make up for Amica’s otherwise high premiums. Amica’s auto insurance might work best for low-risk drivers with families rather than high-risk drivers with a spotty driving record.
Amica Car Insurance Ratings
Insurify gives Amica an Insurify Composite Score of 88/100. This score is the result of analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews.
U.S. Auto Insurance Shopping Study (2018)
|Pricing||Better than most|
|Call Center Representative||About average|
|Overall Satisfaction||Better than most|
|Insurer Website||About average|
|Local Agent||Among the best|
|Policy Offerings||Better than most|
U.S. Auto Insurance Claims Satisfaction Study (2018)
|Estimation Process||Better than most|
|Repair Process||Better than most|
|Claim Servicing||Among the best|
|Settlement||Among the best|
|Rental Experience||About average|
|Overall Satisfaction||Among the best|
|First Notice of Loss (FNOL)||Among the best|
J.D. Power Ratings by Region (out of 1,000)
|New England||879||Among the best|
Financial Strength Ratings
Auto Insurance Quotes Comparison: Amica vs. Competitors
Insurify’s data team compared Amica’s car insurance quotes to those of its competitors. Below are the quotes for a 30-year-old female driver from San Antonio, Texas who drives a 2005 Honda Civic and has a clean driving record:
The team then compared her quotes if she were to add her husband to her policy and apply for a marriage discount:
They also compared her quotes if she happened to have an at-fault accident on her driving record:
As you probably figured, insurance quotes can differ widely depending on your driving profile and the discounts you’re eligible for. You can’t rely on any single insurance company to consistently churn out the lowest price, but you can compare quotes to make sure you always get the best price for the best deal. All you have to do is use Insurify—which lets you customize and compare up to 20 insurance companies at a time!
Drivers Can SAVE with these Discounts from Amica
Amica offers up to 15 percent off with its multi-line discount. This means when you bundle Amica’s auto insurance with another insurance product, such as Amica’s home or life insurance, you could get a discount!
Amica also offers the following discounts at varying levels:
- Loyalty discount
- Claim-free discount
- Multiple auto
- Family (legacy)
- Paid in full
- Electronic stability
- Passive restraint
- Forward collision warning
- Adaptive headlight
- Defensive driver training
- Good student
- Student away at school
- Driver training
States Where Amica Offers Car Insurance
Amica offers auto insurance in all states except Hawaii. Coverage options differ by state, so make sure you compare quotes for your specific state.
Click here to find the cheapest car insurance quotes in your state.
Amica Auto Insurance Coverages
Amica offers a variety of insurance coverage options, whether you’re a new driver looking for low insurance rates or someone who’s been on the road for 20 years and has a safe record. Amica offers the following options:
- Liability Insurance: Amica offers customers property damage liability coverage and bodily injury liability coverage. These mandatory coverages apply if you’re at fault in a car accident involving another vehicle and need to pay for medical bills and property damage sustained by the other driver.
- Comprehensive Insurance: This covers you in instances where your car has sustained damage due to Acts of God, such as hail storms, fires, vandalism, theft, and more. You should check for which specific scenarios your Amica policy covers.
- Collision Insurance: Collision insurance is an essential coverage option for any event in which another vehicle or object damages your car. Your car repairs won’t be compensated without it.
- Personal Injury Protection: Amica offers Personal Injury Protection (PIP), which covers medical payments if you or your passengers suffer bodily injuries in an accident, any wages you lost because of an accident, or even funeral expenses if an accident turns fatal.
- Medical Payments Coverage: Purchasing this type of insurance would mean Amica would help pay for your medical costs if you were to be injured in a car accident.
- Rental Car Coverage: If your car is in the repair shop or has been deemed too damaged to drive, Amica will pay for the cost of renting a car in the interim. Amica will also pay for a rental vehicle for up to 30 days if you’re planning to move or are going on vacation. This depends on your Amica policy, but you can call Amica’s agents at 1 (800) 242-6422 to understand what your policy does and doesn’t cover.
- Roadside Assistance: Amica offers roadside assistance coverage (including towing and labor costs) in the event your car breaks down on the road and you’re unable to transport it safely. This includes scenarios where you’ve run out of fuel, locked your keys inside the car, or need someone to help jumpstart your car. Even if you didn’t purchase roadside assistance coverage, Amica would still offer assistance, but you’ll have to cover costs incurred. All you have to do is call Amica’s roadside assistance number at 1 (866) 286-9968.
Other Special Auto Coverages Offered by Amica Insurance
If you’re someone who often loses their car keys, you’re in luck, because Amica has no deductible for lock replacements if your keys are lost or stolen.
Amica doesn’t require deductibles for several scenarios, offers reimbursement, and can even cover part of your bail bond.
- No deductible for glass repair in case your windshield or windows are damaged
- No deductible for repairing or replacing a deployed airbag
- Full reimbursement for lost earnings if you have to attend court at their request
- Pays $1,000 of your bail bond
Amica also offers accident forgiveness for people who hold a Platinum Choice Auto policy. This program can prove useful if you ever get into an accident and don’t want your premiums to increase.
Amica’s website also has an advisor tool that gives you insurance coverage recommendations based on your answers to a few basic questions.
Other Insurance Products Offered by Amica Insurance
As one of the oldest insurance companies in the United States, Amica has branched out to offer a large variety of insurance products. Remember, bundling insurance products usually gets you up to 15 percent off on your policies!
Amica’s standard home insurance coverage comes with dwelling, personal property, loss of use, personal liability, and other structures coverage. If you work out of your home, you’re in luck because Amica also offers home business coverage too!
For as low as $16 a month, Amica offers standard renters insurance, which includes personal property, loss of use, and personal liability coverage. Personal property replacement, smart devices coverage, scheduled personal property coverage, and identity fraud monitoring are available as add-ons.
Amica offers whole life and term life insurance, starting at just $9.84 a month. Unlike auto insurance, you can apply online for Amica’s life insurance policy right after receiving your quote, instead of going through an agent.
Amica’s motorcycle insurance includes basic coverage options, including protection from damage to your vehicle, personal injury protection for you and your passengers, and liability protection.
How Can I Buy Auto Insurance from Amica?
As a direct carrier, Amica only offers auto insurance through its own agents. You can get a quote online, but once you’re ready to buy a policy, the website will present a phone number and prompt you to call their agents to complete the buying process. Prospective customers reach out via phone, email, or by visiting an Amica office. This can sometimes prove difficult since Amica only has about 40 local offices.
Before you settle down on Amica’s auto insurance, you should make sure you compare prices with other insurance companies. You can easily do this through Insurify, a free quote-comparison website that lets you customize and compare quotes for up to 20 insurance companies at a time!
How Can I Pay for My Amica Car Insurance Policy?
Amica offers a spectrum of payment options, including online payment, phone payment, and paying through the mail.
You can pay for your Amica auto insurance by logging in to your Amica account. You can use your debit or credit card, or set up direct deposit through your own bank. If you set up autopay, Amica won’t charge you an installment fee.
You can call 800-492-6422 and use Amica’s automated phone service to pay.
Paying by mail
If you would rather send a check or money order, you can mail your payment to the following address:
Amica Mutual Insurance Company
PO Box 9128
Providence, RI 02940-9128
Amica takes up to 3 business days to process payments.
Will Amica increase my premiums?
Accidents happen — even to the safest drivers. As a mutual insurance company and a preferred carrier, Amica will probably increase your premium if you get a speeding ticket or are involved in an accident. Premium increases are generally lower for speeding tickets than they are for accidents.
How much Amica will increase your premium in the aftermath of an accident depends on who was at fault and how many claims you file. Generally, at-fault accidents lead to higher premium increases, especially if you file a claim for damage or medical payments.
If you were in an accident, you should weigh the benefit of paying out-of-pocket against the possibility of a higher premium. If the cost of damage isn’t that much higher than your deductible, maybe it would be worthwhile to fork out the cash yourself instead of filing a claim and having a higher premium over time. If the cost of damage is much higher than your deductible and you really can’t afford to pay, then, by all means, go ahead and file a claim—that’s what auto insurance is for, after all!
You might also consider opting into Amica’s Platinum Choice Auto package, which includes accident forgiveness and ways to reduce your deductible. As part of the package, you earn “advantage points” for things like renewing your policy, referring others to Amica, and being accident-free for a year. Those points then go towards your accident forgiveness program or towards your deductible for damages from an accident.
How does Amica’s claims process work?
Amica‘s insurance claims process is relatively straightforward. Customers can report claims online or over the phone 24/7.
Amica allows you to file a claim over the phone, a service that is available 24/7. You can either call Amica’s claim center at 1 (800) 242-6422 or log into your Amica account, where you can upload relevant files and even track the progress of the claim. You can also file and track your claim through Amica’s mobile app.
If you get into an accident and are not at fault, your deductible is applied if you filed a claim with Amica. If Amica successfully recovers your deductible from the at-fault party or their insurance company, Amica reimburses you for the lost deductible.
Once Amica receives relevant documents and information regarding claims and repairs, it generally reimburses you within two business days. If you choose a repair shop that’s listed on Amica’s Auto Repair Assistance Program, Amica will pay the shop directly.
How can I cancel my Amica car insurance policy?
Amica charges a $25 cancellation fee for an otherwise hassle-free cancellation process.
Customers can call 1 (800) 242-6422 to cancel their policy. Before canceling your policy, make sure you have another one lined up to ensure there is no lapse in your coverage.
Use Insurify to find and compare free quotes and get the best possible policy for your profile.
Does Amica offer rideshare coverage?
Amica currently doesn’t offer any formal rideshare insurance coverage program. Get in touch with an Amica representative to see if your private auto policy will still cover you if you use your vehicle for ridesharing purposes.
Click here to see Insurify’s official rankings of the best insurance companies for Uber and Lyft drivers.
Insurance Companies Similar to Amica
As a mutual insurance company, Amica policyholders also own part of the company, and as such, they’re entitled to profits and excess premiums Amica has leftover. As such, Amica is very selective about who can be a policyholder. This means Amica will give you reasonable rates if you’re a low-risk driver with a clean driving record and little to no tickets or violations.
If you happen to have a colorful driving record with a couple tickets or even an accident, Amica might not give you the best deal you could get. Liberty Mutual is also a mutual insurance company and could provide you similar rates, although it doesn’t often give back dividend payments as frequently as Amica does. You could also use an insurance comparison websites like Insurify, which lets you compare quotes from up to 20 insurance companies at a time. This way, you could customize your insurance policy and make sure you get the cheapest deal possible!
According to Insurify’s internal database of over 1.9 million car insurance applications and our analysis of external sources, drivers who used to hold Amica’s auto insurance policy often switched from the following companies:
Amica Customer Satisfaction and Policyholder Reviews
Given Amica’s reputation for excellent customer service, customers have few complaints about the quality of service Amica provides. Many are lifelong customers whose parents were lifelong customers, while others switched to Amica after seeing how well it treated their customers.
However, some policyholders seem to take issue with Amica’s high quotes, while others took issue with its risk-assessment for high-risk drivers.
Amica Mobile App Review
Amica’s mobile app allows users to pay bills, submit and track claims, access insurance ID cards, call roadside assistance, and contact Amica representatives. The app fetched ratings for 4.5 and 2.1 on the App Store and Google Play, respectively. While the ratings aren’t the best, some reviewers said the app was getting progressively better, and that it functioned better than it had a year ago.
|Brand||Ratings (Out of 5)||User reviews|
|Mobile App (iOS)||2.3||9|
|Mobile App (Android)||2.8||361|
Frequently Asked Questions: Amica Car Insurance
Is Amica the best?
In short, it depends. Factoring in your risk profile, driving history, and coverage needs, Amica may or may not have the lowest rates or the best coverage for your profile, although it does have an excellent record of customer satisfaction. It's always good to shop around for the cheapest insurance rates by using quote comparison websites like Insurify.
Are Amica's dividend payments guaranteed?
Since Amica's policyholders own 49 percent of the company, they are entitled to Amica's excess premiums. However, dividend payments aren't guaranteed; they're dependent on the fiscal year and how many claims Amica has to process and pay. They are also not guaranteed in every state.
How can I compare Amica to other insurance companies?
Sometimes it's hard to figure out which insurance company is going to give you the cheapest deal or the best coverage. If you want to compare Amica to other national insurance companies or smaller local providers, you can use an auto insurance quotes comparison site like Insurify, which lets you customize and compare quotes for up to 20 different companies at a time. You can put in information about what type of coverage you want, choose to bundle policies, and even unlock new discounts—all for free!
Is Amica the cheapest car insurance in your area?
Amica may or may not give you the cheapest car insurance quote available. In fact, there’s no guarantee any one insurance company will always give you the best quote.
Rather than relying on just one company, you can use Insurify, and compare up to 20 insurance companies at a time. It’s easy, free, and only takes a couple minutes!
Amica Auto Insurance Overview
Amica Mutual was founded in 1907, making it the oldest mutual insurer of automobiles in the United States. Located in Lincoln, Rhode Island, Amica now offers multiple insurance products, including life, home, and renters insurance.
As a mutual insurance company, Amica policyholders have the right to excess premiums. So if Amica’s losses and expenses are lower than what they receive by way of premiums, policyholders receive lower premiums or a dividend payment. This also means that Amica might be reluctant to offer lower insurance rates to high-risk drivers with auto accidents, tickets on their driving record, or a poor credit score.
Amica has a stellar record of excellent customer service, with consumer reports regularly ranking Amica very high on their list of insurance companies with the highest customer satisfaction. J.D. Power ranked Amica at #2 for auto insurance customer satisfaction in 2019, and for the last 17 years, named Amica the best in customer satisfaction for homeowners insurance.
Amica Contact Information
|Customer service phone number||1 (800) 242-6422|
|Claims service phone number||1 (800) 242-6422|
|Customer service email||Online form|
|Headquarters address||100 Amica Way, Lincoln, RI 02865|
|Mailing address||Amica Scan Center
PO Box 9690
Providence, RI 02940-9690