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When you’re in the market for car insurance, trying to figure out which insurance company offers the best coverage at a price that fits your budget can feel overwhelming. If you’re struggling to find the right fit, Amica is worth a look. With various coverage options and unique discount programs, you can customize your policy while saving money on car insurance.
In this article, you’ll learn about Amica’s ratings, explore its different policies, and compare it to other popular insurance companies so you can make an informed insurance-buying decision.
Quick Facts
Amica is the oldest mutual insurer of automobiles in the U.S.
Various discounts are available through Amica, including loyalty, bundling, and good driver discounts.
Amica earned an A.M. Best financial strength rating of A+ (Superior).
What is Amica auto insurance?
Amica Mutual Insurance Company was founded in Providence, Rhode Island, in 1907 as the Automobile Mutual Insurance Company of America. Today, the company is licensed to do business in all 50 states. In addition to auto insurance, it provides various other coverage options, including life, homeowners, renters, flood, and small-business insurance.[1]
Like other insurance companies, Amica makes money by collecting premiums from policyholders. Amica then invests funds, and the income from those funds helps offset the costs associated with servicing customers and paying out claims.
User Reviews
4.1
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
4.1
Best choiceBased on 119 verified guest reviews and ratings
How drivers feel about Amica
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent rate increases and poor claims processing.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
How drivers feel about Amica
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent rate increases and poor claims processing.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
Reviews (69)
Bill
October 15, 2024
Verified Review
House and Auto Comparison
Amica is incredibly expensive. I am curious to see if other companies are as well.
Sheri
October 14, 2024
Verified Review
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 Review
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.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
862
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.61
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
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
Amica pros and cons
Pros
J.D. Power award winner: In 2022, Amica won J.D. Power’s “Highest in Customer Satisfaction with the Auto Insurance Claims Experience” award.[2]
24/7 claims service: Claim representatives are available via phone 24 hours a day, seven days a week.
Financial strength rating: Amica has an A+ (Superior) rating from A.M. Best, a credit-rating agency specializing in insurance.[3]
Cons
Discounts not available everywhere: While Amica advertises several discounts, they’re not available in every state.
Few in-person service options: Amica doesn’t work with agents to sell its policies and has few local offices, so finding in-person service may be difficult.
Low customer rating on the Better Business Bureau (BBB): Amica only has 1.36 out of 5 stars based on 56 reviews on its BBB profile.
Amica car insurance coverage
Amica offers the state minimum liability auto insurance and many other common coverages — including medical payments, personal injury protection, uninsured/underinsured motorists, and comprehensive and collision policies — for those who want more protection.
Some of its other auto coverage options include:
Auto loan/lease coverage: This optional coverage pays the difference between the value of your car and your loan or lease balance if you total your car in a covered accident.
Full glass coverage: This add-on covers the cost to repair or replace your vehicle’s glass without a deductible.
Roadside assistance: This covers the cost of towing, changing a flat tire, jump-starting a battery, or other assistance, 24 hours a day, seven days a week.
Rental reimbursement: This covers your transportation costs while you repair your car after a covered accident.[4]
Amica car insurance costs by state
Car insurance costs and requirements vary significantly depending on the state where you live and insure your vehicle.
It’s important to compare quotes from several different companies before selecting an auto policy. That way, you can ensure you’re getting the best coverage for your money. The following table shows some examples of Amica’s average monthly rates.