Amica Car Insurance Review: Ratings and Quotes (2024)

Award-winning customer service, numerous discounts, and a long business history make Amica an insurer worth considering.

Janet Berry-Johnson
Janet Berry-Johnson
  • 8+ years writing about insurance, taxes, and personal finance

  • Certified public accountant

Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

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Danny Smith
Edited byDanny Smith
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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.

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Updated July 7, 2024

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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.

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User Reviews
3.7
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.
$164/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.
$281/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
Mariela - July 3, 2024
Verified

Good

Good, but the prices are high.

Paul - June 23, 2024
Verified

Amica Happy Customer

Good company!

John - June 15, 2024
Verified

Disappointed

They had recorded the wrong miles per year I had driven. It was reading 5400 instead of 15,400. I called to make the change with my policy due again, and then they questioned me about rideshare, which I had already discussed with them. After they changed the policy, my bill increased by almost $100 a month and they charged me a $200 underwriting fee. I was initially told my bill would only go up by $16.

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]

See More: Rental Car Insurance: Do You Need It?

See More: Rental Car Insurance: Do You Need It?

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.

StateAverage Quote: Full CoverageAverage Quote: Liability Only
Connecticut$556$379
Massachusetts$118$76
New Jersey$517$428
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Amica car insurance rates by driving history

Your driving record will heavily influence your car insurance rates. Insurance companies consider factors such as the number of years of driving experience you have and any past accidents, claims, or tickets when assessing how much you should pay for auto coverage. You may be eligible for cheaper rates if you have a clean driving record.

Driving HistoryAverage Quote: Full CoverageAverage Quote: Liability Only
Clean record$405$328
With speeding ticket$583$472
With at-fault accident$615$499
With DUI$628$508
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Amica car insurance cost by age

The cost of car insurance for drivers varies significantly based on your age. In general, drivers younger than 25 tend to pay higher premiums due to a lack of driving experience and a statistically higher risk of having an accident.[5]

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get an Amica car insurance quote

Here’s how you can get a quote through Amica:

  1. Visit Amica.com and select “Get a Quote” from the drop-down menu at the top of the page.

  2. Enter your ZIP code. If Amica offers coverage in your area, the insurer will then ask you to select the type of policy or policies you want quotes for.

  3. You’ll then need to provide information about yourself, such as your name, address, date of birth, marital status (if applicable), occupation, and driver’s license number(s) for all drivers in your household who the policy will cover.

  4. Next, you’ll provide details about the vehicle(s) you want to insure, such as the make, model year, and vehicle identification number (VIN).

  5. Then, you’ll have the opportunity to answer questions about discounts that you may qualify for, such as loyalty, safe driver, and student discounts.

  6. Finally, Amica will give you a quote, which you can customize by changing limits, qualifying for discounts, or adding optional coverages.

Learn More: Cheapest Car Insurance Companies with Affordable Rates

Learn More: Cheapest Car Insurance Companies with Affordable Rates

Amica car insurance discounts

Like many other insurers, Amica offers various discounts to help customers reduce the cost of their auto coverage:

  • Loyalty: Amica offers discounts for customers who have been with their existing auto insurance company for at least two years. Customers under age 30 whose parents have had an auto policy with Amica for at least five years may also qualify for a legacy discount.

  • Bundling: You can save if you bundle your auto insurance with homeowners, condo, renters, life, or umbrella policies. Amica also offers a discount to policyholders who insure multiple cars on the same policy.

  • Young driver training: Drivers younger than 21 may qualify for a discount if they complete an approved driver training program.

  • Students: You may be eligible for a discount if your child is a full-time student living away from home without a car. Full-time high school and college students with good grades may also qualify for a good student discount.

  • Good driver: Drivers who have been claim-free for the past three years may qualify for a discount. You can also get a discount for taking an approved driver safety course.

  • Safety/anti-theft devices: You may qualify for discounts if your car has certain safety features, such as airbags, adaptive headlights, car alarms, CPS tracking systems, electronic stability control, and collision avoidance features.

  • Pay in full: You’re eligible for a discount if you pay your entire policy premium up front rather than in monthly installments. You can save more by enrolling in paperless billing and signing up to have your payment electronically drafted from your account.[6]

Amica bundling options

Many insurance companies offer bundling discounts to incentivize customers to purchase multiple policies from them. This helps increase customer loyalty and generate more revenue for the company.

Amica offers bundling discounts for those who bundle their auto insurance with homeowners, condo, renters, life, flood, boat, motorcycle, small-business, and umbrella policies. According to the website, you can save up to 30% when you purchase your auto policy plus one or more other policies from Amica.

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Amica reviews and ratings

Customer reviews and third-party ratings can be extremely helpful when  making a decision about your car insurance. Amica fares pretty well overall regarding customer reviews and ratings, though it has a few weak spots.

Amica customer reviews

Amica has a 4.5/5 rating on Trustpilot, with many reviewers praising the company’s customer service.[7] However, a common complaint is the lack of do-it-yourself options via the Amica website and mobile app for customers who prefer to handle basic policy changes themselves.

While you can use the website to get a quote and the app to access your insurance, pay bills, report and track claims, and view policy information, you’ll need to contact a customer service representative to purchase a policy or make changes to your vehicle, drivers, or coverages.

Amica ratings

Here’s a look at Amica car insurance ratings from third-party rating services. A.M. Best ratings focus on the financial strength of companies — in insurance, it’s a determination of how confident A.M. Best is that the insurer can pay out claims.

The BBB, J.D. Power, and the National Association of Insurance Commissioners (NAIC) focus more on customer and consumer feelings toward the insurance company, considering things like satisfaction and complaints.

  • A.M. Best: A+ (Superior)

  • J.D. Power: 903/1,000[8] 

  • Better Business Bureau: 1.36/5[9]

  • NAIC Complaint Index: 0.82 (Fewer complaints than average)[10]

Amica vs. other insurance companies

The car insurance market is highly saturated with a large number of companies vying to provide the best coverage and services at competitive prices. With so many options, making the best choice when selecting car insurance can be overwhelming. Here’s how Amica stacks up against some of the top insurers in the country.

Insurance CompanyAverage Quote: Liability OnlyAverage Quote: Full CoverageA.M. Best J.D. Power
Amica $328$399A+903
Allstate$146$212A+889
Farmers$218$317A882
State Farm$125$175A++882
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.

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Amica vs. Allstate

Allstate is an insurance company that offers many of the same coverage options as Amica. It also has discounts for people who bundle their auto insurance with their home, condo, or renters policy.

Amica’s bundling discount is slightly more attractive, however. According to the Amica website, bundling can reduce your premiums by up to 30%, while Allstate offers savings of up to 25%. One thing to consider is that Allstate offers auto policies to drivers in Hawaii, while Amica doesn’t.

Amica vs. Farmers

Farmers offers many types of policies, including auto, homeowners, life, and small-business insurance. Customers can also customize their policy to include additional protections, like roadside assistance and rental car reimbursement.

Farmers might be a better option if you prefer to purchase your policy online from start to finish because it allows customers to buy policies online.

Amica vs. State Farm

State Farm offers a wide range of policies for auto, home, life, and business. It has similar auto insurance discounts as Amica, such as good driver and bundling discounts.

But State Farm might be a better option than Amica if you prefer to work with a local agent. The company provides coverage via a network of independent contractor agents across the country, and there’s a good chance you can find a local agent in your community to provide one-on-one service.

Read More: The 10 Best Car Insurance Companies

Read More: The 10 Best Car Insurance Companies

How to file an auto insurance claim with Amica

An auto insurance claim is a request for payment from an insurance company after an incident or loss related to your car. You may need to file a claim after an accident, theft, or damage due to something like hail or vandalism.

If you need to file an auto insurance claim with Amica, here’s what you should do:

  1. Gather the information you need to report the claim, including the incident number (if the police were called) and information on any other drivers or vehicles involved.

  2. Report the claim to Amica as soon as possible. You can call its customer service line at 1 (800) 242-6422 and report the claim online or via the mobile app.

  3. Submit any required documentation for claim processing, such as photos and repair estimates.

Amica will then review your claim and determine if it’s covered by your policy. If approved, Amica will pay out the amount of coverage specified in your policy minus any applicable deductible.

Amica insurance FAQs

Before you decide on which insurer is right for you, here are some answers to commonly asked questions about Amica car insurance.

  • Is Amica legitimate?

    Yes. Amica is a legitimate insurance company with more than 100 years of experience in the industry. The company has earned numerous awards and accolades for its commitment to customer service, financial strength, and reliability. It has an A+ rating from A.M. Best, a leading independent insurance-rating agency, which indicates that the company is financially sound.

  • Is Amica car insurance worth it?

    It depends. Amica car insurance is worth the cost for many consumers, but it depends on your insurance needs.

    For example, it offers good driver discounts for customers with clean driving records and bundling discounts when you purchase multiple policies from Amica, so if you’re a good driver looking to bundle policies, it may be a good fit.

  • Who owns Amica?

    Amica Mutual Insurance Company is owned by its policyholders, as it’s a mutual insurance company. This means it doesn’t distribute profits to shareholders. Any profits it generates via investments or underwriting profits are used to pay to operate the company, cover claims, or pay dividends to eligible policyholders.

  • Who should get Amica insurance?

    Amica is a great option for car owners who value customer service and comprehensive coverage options. Amica has received awards for its customer service — especially during the claims process. Additionally, Amica offers discounts for customers who bundle their auto insurance with its home, condo, or renters policy, making it an affordable option for budget-conscious customers.

  • Is Amica good at paying claims?

    Yes. Amica has an impressive A+ financial strength rating from A.M. Best, a leading independent insurance-rating agency, which indicates the company is financially sound. This high rating signals that Amica should be able to meet its financial obligations and pay claims if needed.

Sources

  1. Amica. "Company Facts and History."
  2. Amica. "Awards and Recognition."
  3. A.M. Best. "Amica Mutual Insurance Company."
  4. Amica. "Car Insurance Coverage."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  6. Amica. "Car Insurance Discounts."
  7. Trustpilot. "Amica Insurance."
  8. J.D. Power. "2022 U.S. Auto Claims Satisfaction Study."
  9. Better Business Bureau. "Amica Mutual Insurance Company."
  10. National Association of Insurance Commissioners. "Amica Mut Ins Co National Complaint Index Report."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

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.

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