Amica Car Insurance

4.3 176 reviews
You're shopping in zipcode 79504 Change


InsurifyComposite Score
U.S Auto Insurance Shopping Study (2018)
Options Results
Call Center Representative About average
Insurer Website About average
Overall Satisfaction Better than most
Local Agent Among the best
Policy Offerings Better than most
Pricing Better than most
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Rental Experience About average
Estimation Process Better than most
Overall Satisfaction Among the best
Claim Servicing Among the best
First Notice of Loss (FNOL) Among the best
Repair Process Better than most
Settlement Among the best
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
New England 879 Among the best
Amica Mobile App Ratings
Brand Ratings User reviews
Full Star Full Star Half Star Empty Star Empty Star 2.3
Full Star Full Star Half Star Empty Star Empty Star 2.8
Financial Ratings
Company Name Ratings
A.M. Best A+


The largest discounts from Amica are: Passive Restraint Discount, Multiple Vehicle Discount, Anti-Theft Device Discount

Discount Type Discount %
Passive Restraint Discount up to 40%
Multiple Vehicle Discount up to 25%
Anti-Theft Device Discount up to 25%
Multiple Policy Discount up to 10%
Low Mileage Discount up to 10%
Student Away at School Discount up to 10%
Good Student Discount up to 10%
Anti-lock Brake Discount up to 5%
Preferred payment discount Varies
Family Discount Varies
Driving training discount Varies
Paperless documents discount Varies
Preferred payment discount Varies
Paid in full discount Varies
Home Owner Discount Varies
Good Driver Discount Varies
Loyalty Discount Varies
Provider Switch Discount Varies
Prepay Discount Varies
Defensive Driver Discount Varies
Electronic Stability Control Varies
E-billing Discount Varies
Electronic Stability Control Varies

Payment Methods

  • Complete Tick Online Payment
  • Complete Tick Automatic Online Payments
  • Complete Tick Mail Payment
  • Complete Tick Phone Payment -IVR
  • Complete Tick Bank Payment/Direct Deposit
  • Complete Tick Credit Card Payment
  • Complete Tick Debit Card Payments

Features and Services

Amica offers special auto insurance benefits to their customers at no additional cost. These include:

  • No deduction for depreciation when a new vehicle is declared a total loss within the first year of ownership
  • No deductible for lock replacement when your keys are lost or stolen
  • No deductible for glass repair 
  • No deductible for repair or replacement of a deployed air bag
  • Full reimbursement for lost earnings if you attend court at our request
  • $1,000 for bail bonds
  • Accident forgiveness with a platinum choice auto policy

In addition to these benefits, Amica offers 24/7 roadside assistance over the phone, even to their customers who do not have towing and labor coverage. 

Amica allows customers to report a claim 24/7 online or over the phone. 

Amica’s website also offers an advisor tool that will give you coverage recommendations based off a few simply questions. 


  • 24/7 service 24/7 service
  • Roadside assistance Roadside assistance
  • Diminishing deductible Diminishing deductible
  • Mobile app Mobile app
  • Accident forgiveness Accident forgiveness
  • Policy bundling discounts Policy bundling discounts
  • Online account management Online account management
  • Flexible / convenient payments Flexible / convenient payments
  • Text and email alerts Text and email alerts

Optional Coverage

  • Complete Tick Platinum Choice Auto
  • Complete Tick Road Side Assistance
  • Complete Tick Rental Reimbursment
  • Complete Tick Glass Coverage
  • Complete Tick Umbrella Policy
  • Complete Tick Accident Forgiveness

Online Quoting by State

Amica Insurance Products

Learn more about Amica Life Insurance.

Amica offers a variety of home, renters, and condominium insurance to specifically cover loss or damage to your living space and belongings. 

 Available coverages and discounts may vary by state, but will most likely include:

  • Other structures: Covers structures detached from your home such as a garage or shed
  • Increases in living expenses: Reimburses you to live somewhere if you're unable to live in your home after a loss
  • Temporary repairs: Covers repairs that need to be made in order to prevent further damage to your home after a loss. 
  • Away from home: Coversincidents such as theft of personal property from your hotel room
  • Coverage for credit card loss: Reimbursement up to the policy limit for unauthorized use of your credit cards
  • Liability coverage: Provides protection, such as the cost of legal representation, from covered property damage or bodily injury claims made against you or a family member living with you. This protection follows you worldwide.

 Additional Amica home insurance coverages options include:

  • Automatic Dwelling: Covers the cost to repair or rebuild your home when it exceeds your original coverage limit 
  • Personal Property Replacement: Covers full repair or replacement cost of your personal property regardless of depreciation.
  • Scheduled Personal Property: Covers a wide range of valuables such as furs, jewelry, and fine art.
  • Catastrophic: Covers earthquake and flood damage.

Amica offers customizable, comprehensive auto insurance to fit your budget and lifestyle. 

Available coverages and discounts may vary by state, but will most likely include:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident. 
  • Uninsured/underinsured motorist: Pays for your medical bills, lost income, and damages after an accident if the at-fault driver has little or no liability insurance. 
  • Collision: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 
  • Roadside assistance: Pays for towing and labor services if your car breaks down. 
  • Rental car coverage: Provides rental reimbursement if your car is undriveable or in the shop for repair after a covered loss.
  • Platinum Choice Auto®: Provides extra protection than standard auto insurance policies such as good driving rewards, prestige rental coverage, full glass coverage and identity fraud monitoring service.

Amica offers standard protection for you, your motorcycle, and your passengers.

Available coverages and discounts may vary by state, but will most likely include:

  • Bodily injury and property damage liability: Covers medical expenses and legal fees when you’re found at-fault for an accident.
  • Medical payments: Pays for medical and funeral expenses of the policyholder, passengers, or a member of the policyholder's family if they’re injured in an accident, regardless of who is at fault. 
  • Comprehensive: Pays to repair or replace your vehicle if it’s stolen or damaged by fire, wind, hail, flood, vandalism, hitting an animal, etc. 

Renters insurance with Amica protects the personal belongings you’ve been accumulating for years. 

Available coverages and discounts may vary by state, but will most likely include:

  • Personal property: Covers replacement cost of your possessions due to loss or damage from fire, theft, vandalism and other risks
  • Liability protection: Covers claims made against you or a family member for property damage or bodily injury. This coverage follows you worldwide. 
  • Loss of use: Covers costs of staying in a hotel when you are unable to occupy your apartment after a loss. 
  • Travel protection: Coverage for credit card loss, and stolen or damaged belongings while you’re traveling.
  • Credit card loss: Reimburses up to your policy limit for unauthorized use of your credit cards.  

 Additional renters insurance options from Amica include:

  • Personal property replacement: Coversfull repair or replacement of your personal property, regardless of depreciation.
  • Scheduled personal property: Provides broader protection for valuables such as furs, jewelry and fine art. This is a great coverage to have for engagement and wedding rings.
  • Special computer: Protects your computer, laptop, tablets or smartphones due to loss from certain perils.

Your condo association carries insurance for the exterior structure of the building and other association-owned property. However, this will not cover the personal property or your legal responsibility within your condo unit. 

You may need your own policy to protect your wallpaper, carpeting, fixtures, and any other items not covered by your association. 

Available coverages and discounts may vary by state, but will most likely include:

  • Dwelling coverage: Covers building items, such as appliances, fixtures, improvements and interior walls, not covered by your association's policy.
  • Personal property: Covers your belongings from a variety of perils– fire, windstorm, smoke, theft and vandalism.
  • Liability coverage: Protects you for claims for property damage or bodily injury made against you or a family member. This coverage is worldwide. 
  • Loss assessment: $1,000 automatic coverage for association assessments that result from a covered loss involving association property.
  • Extra living expenses: Covers the cost to stay in a hotel if you're unable to live in your condo after a covered loss
  • Debris removal: Covers the cost of removing debris after a loss
  • Hotel theft: Coverage for theft of personal property from a hotel room when you’re away from home.
  • Credit card loss: Reimburses up to your policy limit for unauthorized use of your credit cards. 

Amica offers a variety of term and whole life insurance products to fit everyone’s specific needs. 

Available coverages and discounts may vary by state, but will most likely include:

Level Term Life Insurance: Provides coverage for a specific period of time. Term life insurance usually has no cash value. You have the option to select a 10, 15, 20, 25, or 30 year level-premium policy. Your premiums rates are guaranteed to stay level throughout your term period. You may add optional riders, such as: 

  • Optional Cost of Living Adjustment Rider: Offset inflation by increasing your policy’s face value each year without raising your premium rates.
  • Conversion Option: Turn your term policy to any permanent life insurance policy available, regardless of your health.
  • Terminal Illness Rider: Allows you to receive a portion of your benefits if you become terminally ill.
  • Optional Benefits and Riders: Optional benefits and riders include waiver of premium, children's insurance, and accidental death.
  • Streamlined Process: If you qualify,  you may not need to complete any medical testing.

Whole Life Insurance: A permanent policy with a cash value death benefit that can borrowed from through loans. Amica’s whole life policies are valid for as long as you live, and the face value and premium rates are fixed at the time of your purchase. You may apply to receive an Advance Payment Amount if you’re diagnosed with a terminal illness and given a year or less to live. Optional benefits and riders include:

  • Waiver of premium
  • Children's insurance
  • Accidental death
  • Guaranteed option to purchase additional insurance

Simplified Whole Life Insurance: This coverage provides affordable protection and guaranteed premiums for your entire life, up to the age of 120. There are no medical exams necessary. Amica offers flexible payment methods for this coverage.

Umbrella insurance provides you with additional liability insurance beyond your auto and home policy limits. 

Amica offers a variety of umbrella coverage limits, starting at $1 million. 

Amica provides comprehensive land and water insurance coverages for your boat or yacht, including waterway towing. 

Amica has partnered with Hiscox Insurance Company Inc. to offer small business insurance to Amica customers. 

Available coverages and discounts may vary by state, but will most likely include:

  • General liability: Covers third-party claims for bodily injury, medical costs, and damage to someone else’s property.
  • Professional liability: Covers defense costs if you’re involved in a lawsuit.
  • Business owner insurance: Combines general liability and business equipment coverage.

Compare Related Companies

Company History

Amica was founded in Rhode Island in 1907 and provides personal personal insurance with auto, homeowners, personal excess liability and marine coverages.

Amica is a mutual company, which means they’re owned by their policyholders, not stockholders or investors. This means they offer dividend policies. 

A dividend policy costs more upfront, however they lower the overall cost of your insurance policy over time. 

At the end of your policy term, a dividend is offered back to you. On average, a typical dividend payment can be about 20% of your annual premium.

Amica operates under three subsidiaries including Amica Life Insurance Company, Amica Property and Casualty Insurance Company, and Amica General Agency, Inc. and has 44 offices nationwide.

Amica does not use insurance agents, but trained Amica representatives that provide fast, direct service to their 1.6 million customers. 

 Amica has excellent financial strength and holds about $5.1 billion in assets.


Amica Reviews

5 Stars
72% Complete
4 Stars
7% Complete
3 Stars
8% Complete
2 Stars
4% Complete
1 Star
6% Complete
Most Positive Review
By Billy
October 24, 2017

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
December 12, 2018

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.