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Amica Auto Insurance: User Reviews and Quotes (2025)

Amica is a top-ranking car insurance company known for superior financial strength and fewer-than-average customer complaints.

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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Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

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Amica is a national insurer that offers car insurance along with numerous other insurance products, like home and life insurance. The company is known for award-winning customer service and consistently ranks No. 1 for customer satisfaction by J.D. Power in the New England region. Amica’s discount options also include a dividend policy, which returns a portion of your premium.

In this review, we take a closer look at Amica car insurance, including coverage options, discounts, and how the company compares to other insurers.

Quick Facts
  • Amica is the oldest mutual insurer of automobiles in the U.S.

  • The company offers a wide range of discounts for students, safe drivers, bundling multiple policies, and loyal customers.

  • Amica earned an AM Best financial strength rating of A+ (Superior).

Amica auto insurance at a glance

Amica logo
User Reviews
4.5
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.
8.6 /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.
$297/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.
$436/mo
4.5
Best choiceBased on 163 verified guest reviews and ratings
How drivers feel about Amica

Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.

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

Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
Reviews (95)
Robin
Verified Review
Member for 20+ years, paying too much
Reviewed in Connecticut on October 2025
Great service, but a little expensive.
Theodore
Verified Review
Typical Auto Insurance Company
Reviewed in Georgia on September 2025
Average price; average customer service; increased costs without any explanation; difficult to actually talk with an agent who has any power to negotiate rate.
Mary
Verified Review
Amica has been good for the years that I have been with them, especially when it comes to customer service and claims. They are just getting too expensive.
Reviewed in Texas on September 2025
Amica has been good for the years that I have been with them, especially when it comes to customer service and claims. They are just getting too expensive.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57
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 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.

Pros
  • Good ratings for customer service and satisfaction

  • Multiple discounts and coverage options available

  • Excellent Trustpilot rating

Cons
  • Higher-than-average rates for drivers with traffic violations

  • Limited number of local offices

  • Rideshare insurance not available

What Amica car insurance covers

Amica offers the state minimum liability auto insurance and many other common coverages — including medical payments, personal injury protection, uninsured/underinsured motorist, and comprehensive and collision policies — for drivers who want more protection.

Some of its other auto coverage options include:[2]

  • 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.

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 in different U.S. states.

State
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Connecticut$561$366
Massachusetts$388$310
New Jersey$517$428
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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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 History
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
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 500+ 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 pay higher premiums due to a lack of driving experience and a statistically higher risk of having an accident.[3]

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, including:[4]

  • Loyalty: Amica offers discounts for customers who have been with their existing auto insurance company for at least two years. Customers younger than 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.

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 people who bundle their auto insurance with homeowners, condo, renters, life, flood, boat, motorcycle, small-business, and umbrella policies. You can save up to 30% when you purchase your auto policy plus one or more other policies from Amica, according to the company’s website.

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 4.4/5 rating on Trustpilot, with many reviewers praising the company’s customer service.[5] But 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.

Robin
Verified Review
Member for 20+ years, paying too much
Reviewed in Connecticut on October 2025
Great service, but a little expensive.
Theodore
Verified Review
Typical Auto Insurance Company
Reviewed in Georgia on September 2025
Average price; average customer service; increased costs without any explanation; difficult to actually talk with an agent who has any power to negotiate rate.
Mary
Verified Review
Amica has been good for the years that I have been with them, especially when it comes to customer service and claims. They are just getting too expensive.
Reviewed in Texas on September 2025
Amica has been good for the years that I have been with them, especially when it comes to customer service and claims. They are just getting too expensive.
Susan
Verified Review
It is hard to pay half your salary to an insurance company
Reviewed in North Carolina on September 2025
My main problem is they are very costly; they cost too much.

Amica ratings

Here’s a look at Amica car insurance ratings from third-party rating services. AM Best ratings focus on the financial strength of companies — in insurance, it’s a determination of how confident AM 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.

  • AM Best: A+ (Superior)

  • J.D. Power: 735/1,000 

  • Better Business Bureau: A+

  • NAIC Complaint Index: 0.57 (Fewer complaints than average)

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 Company
sort ascsort desc
Average Quote: Liability Only
sort ascsort desc
Average Quote: Full Coverage
sort ascsort desc
AM Best 
sort ascsort desc
J.D. Power
sort ascsort desc
Amica $297$436A+903
Allstate$73$137A+889
Farmers$110$214A882
State Farm$56$110A++882
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 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. Bundling can reduce your premiums by up to 30%, according to the Amica website. 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 you 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 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, this insurer may be a good fit.

  • Is Amica good at paying claims?

    Yes. Amica has an impressive A+ (Superior) financial strength rating from AM 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.

  • How good is Amica insurance?

    Amica insurance has top ratings for financial stability and fewer-than-average customer complaints. This means your claim is more likely to be paid and customer service may be better than other insurers. Plus, the company offers numerous discounts that can help you save up to 30%.

  • Is Amica cheaper than State Farm?

    It depends. Insurers base car insurance rates on numerous factors, including your driving history, location, and the type of vehicle you drive. The best way to compare rates between Amica and State Farm is to get a quote from each insurer.

  • Why did Amica go to a six-month policy?

    Amica is transitioning to a six-month policy. The company says the shorter policy term helps Amica maintain its financial stability, offer competitive rates, and respond faster to changing market conditions.

  • Does Amica have local agents?

    Yes. Amica has local agents. But Amica office locations are limited to about two dozen cities across 20 states. Customer support is also available over the phone or online through the company’s live chat support.

Sources

  1. Amica. "Company Facts and History."
  2. Amica. "Car Insurance Coverage."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Amica. "Car Insurance Discounts."
  5. Trustpilot. "Amica Insurance."
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.

Janet has been a contributor at Insurify since October 2022.

Sarah Archambault
Sarah Archambault
  • Experienced personal finance writer

  • Background working with banks and insurance companies

Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.

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