Amica vs The Hartford Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Ratings

Insurify Composite Score

Amica
95
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Insurify Composite Score

The Hartford
93
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Insurify Composite Score

Amica VS The Hartford
95
93
What is this?
User Ratings
OptionsAmica The Hartford
Rating/Reviews
251 reviews
29,516 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmica The Hartford
Call Center RepresentativeAbout averageAbout average
Insurer WebsiteAbout averageBetter than most
Local AgentAmong the best--
Overall SatisfactionBetter than mostBetter than most
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmica The Hartford
Claim ServicingAmong the bestBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Among the bestBetter than most
Overall SatisfactionAmong the bestBetter than most
Rental ExperienceAbout averageThe rest
Repair ProcessBetter than mostAmong the best
SettlementAmong the bestBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAmica The Hartford
California--835 pt
Better than most
Florida--806 pt
The rest
Mid-Atlantic--839 pt
About average
New England879 pt
Among the best
--
North Central--838 pt
Better than most
Northwest--832 pt
Better than most
Southwest--838 pt
Among the best
Mobile App Ratings
RegionAmica The Hartford
Android
361 Reviews
376 Reviews
iOS
9 Reviews
47 Reviews
Financial Ratings
OptionsAmica The Hartford
A.M. BestA+A+
Moody's--A2
Standard & Poor's--A+

Auto Insurance Quotes

For Married Drivers

CityAmica The Hartford
Phoenix--$51
Santa Monica--$76

For Single Drivers

CityAmica The Hartford
Phoenix--$51
Santa Monica--$143

For Male Drivers

CityAmica The Hartford
Phoenix--$52
Santa Monica--$138

For Female Drivers

CityAmica The Hartford
Phoenix--$49
Santa Monica--$81

For Drivers with Speeding Ticket

CityAmica The Hartford
Phoenix--$67
Santa Monica--$213

For Drivers with No Speeding Ticket

CityAmica The Hartford
Phoenix--$47
Santa Monica--$87

For Drivers Age Between 18-40

CityAmica The Hartford
Phoenix--$52
Santa Monica--$165

For Drivers Age Between 40-65

CityAmica The Hartford
Phoenix--$49
Santa Monica--$68

For Drivers Age of 65+

CityAmica The Hartford
Phoenix--$53
Santa Monica--$56

For Drivers with Average Credit

CityAmica The Hartford
Phoenix--$49
Santa Monica--$97

For Drivers with Fair Credit

CityAmica The Hartford
Phoenix--$59
Santa Monica--$81

For Drivers with Good Credit

CityAmica The Hartford
Phoenix--$46
Santa Monica--$83

For Drivers with Excellent Credit

CityAmica The Hartford
Phoenix--$49
Santa Monica--$176

Quotes & Discounts

Discount typeAmica The Hartford
Multiple Vehicle DiscountUp to 25%--
Anti-Theft Device DiscountUp to 15%Up to 15%
Good Student DiscountUp to 10%Up to 15%
Low Mileage DiscountUp to 10%--
Multiple Policy DiscountUp to 10%Up to 20%
Student Away at School DiscountUp to 10%--
Anti-lock Brake DiscountUp to 5%--
Accident ForgivenessVaries--
Claims Free Renewal DiscountVaries--
Defensive Driver DiscountVariesUp to 5%
Driving training discountVariesVaries
E-billing DiscountVaries--
Electronic Stability ControlVaries--
Family DiscountVaries--
Good Driver DiscountVaries--
Loyalty DiscountVaries--
Paid in full discountVariesVaries
Paperless documents discountVaries--
Preferred payment discountVaries--
Provider Switch DiscountVaries--
EV/Hybrid Discount--Varies
Passive Restraint Discount--Up to 3%
teenSMART Discount--Up to 10%

Payment Methods

Discount typeAmica The Hartford
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yesyes
Credit Card Payment yesyes
Debit Card Payments yesyes
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Phone Payment
yesyes

Features and Services

Features and ServicesAmica The Hartford
24/7 serviceyesyes
Accident forgivenessyesyes
Diminishing deductibleyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes
Text and email alertsyes--

Optional Coverages

Optional CoveragesAmica The Hartford
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Airbag Replacement Coverage
yes--
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
yesyes
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
--yes
Glass Coverage yesyes
New Car Replacement Coverage
--yes
Platinum Choice Auto
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes
Vanishing Deductible
--yes

Online Quoting by State

  • Amica
  • The Hartford
  • Both

Compare Insurance Products

ProductAmica The Hartford
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Condo InsuranceCondo Insuranceyes--
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Marine InsuranceMarine Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyes--
Renters InsuranceRenters Insuranceyes--
Small Business InsuranceSmall Business Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyes--

User Reviews

  • Amica Reviews
  • The Hartford Reviews
3.6
5 Stars
57 %
4 Stars
6 %
3 Stars
7 %
2 Stars
4 %
1 Star
26 %

Most Positive Review

By Billy
I've NEVER NEVER EVER HAD NO BAD EXPERIENCE WITH ( AMICA ) They've always been kind with the local office an the outside customer service operators when I've ever had a question about my policy. I'm not really looking to change to somewhere else. I do get curious at times just to see if anyone else is cheaper than Amica, so far no one else has been able to beat Amica so I'm sticking with Amica. Thank You For Having the Best an Greatest Coverage on my vehicle an home. Keep up the GREAT WORK :)

Most Critical Review

By Lauren
If I could give zero stars, I would. We spoke with a representative [Michael Young] and he got us set up for a policy on a house we're planning to close on. We waited for confirmation on the policy, and waited, and waited. As the closing date approached, we received a call from him saying to give him a call back, no big deal. We did, no return call. Tried multiple times over the next four days. Nothing. Sent emails, called again. Find out through another call [again still can't get a hold of Michael] that they just need confirmation that we'll handle a small bit of left over mold [which our inspector said was not a problem] withing 30 days of closing. Sure thing! We'll handle that. Meanwhile, our loan officer is trying to get a hold of them as well to finalize details. Finally get a call TWO DAYS before closing to hear they will not be able to insure us. Thanks AMICA for making home buying so stressful! We'll be sure to let everyone know how "helpful" you are.

All Reviews

Showing 1 - 10 out of 251 Reviews
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Read reviews that mention

Cheryl
The service
Justin
Ronnie
To get a cheaper rate.
Jerome
Jerome
hong
Good company ! I was a customer of Amica for 10 + years. I had both auto and home insurance with them. They always always great! Very professional ! Good service
DavidNC
Bought a house last year in Wilmington, NC and insured it with Amica as they had the best premium price for my older home. Hurricane Florence rolled through last fall and now they are trying up my premiums by more than 50% because I made a legitimate claim. Basically they are more or less trying to drop me for fulfilling their obligations. Other people in the area who made claims are experiencing only very minor increases in their insurance rates, or none at all.
Frank T
5 renewal Policies where cancel because over the years the cost increased so much and I had no claims it force me to go out and get it quoted what a surprise I got, I been getting screwed badly, I spoke with Amica 3 times on the phone, cancelation letters were mailed from the new insurance company, I know Amica got the cancelation letters because they called me 3 times to letting me know that after the current Policies expired I was not going to be covered with Amica. The day after the 5 Policies expired my checking account was charger, I never signed the renewals they got cancelation letters and still got withdraw from my account, when I called they confirm everything was canceled and they would mail me a check, this is not acceptable first the withdrawal should of never happen and now I have to wait for a check to be mailed and waste time cashing a check. Let’s hope next month I don’t get charged again. Is unbelievable how fast they can take money out of your account but to pay you back you need to wait.
Alec
Never told you would not renew his insurance
Christian L
Amica used to be good but as of late they are absolutely horrific. Their insurance agents go back on what they say, making changes without informing both parties on the account of the changes like they say they have to. Going through a divorce is stressful enough but having Amica make up rules as they go along doesn't make things easier or any less stressful. No matter what information they were given they went against it 100% and never actually contacted me when changes were made by my exwife. Now, they are claiming that they had consent to make said changes. From who? My exwife made all the changes without my consent. After speaking with a ********* of a representative, I asked to speak to a manager. They are all at lunch yet supposedly their lunches are staggered so there is always a manager free. Absolutely awful company that leaves a very sour taste in your mouth. If you want to get screwed over by a car insurance company (more so than other insurance companies), go with Amica. If you want someone honest, go somewhere else don't waste your time. I will NEVER go back to Amica. They are absolutely horrible.
Showing 1 - 10 out of 251 reviews