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 offers a variety of specific auto insurance discounts to their customers so be sure you’re taking advantage of all the savings you’re eligible for by contacting your current Amica agent or unlocking them on Insurify!
*Discounts vary by state and certain criteria set by the insurance provider must be met in order to qualify for discounts.
Discount Type | Discount % |
---|---|
Multiple Policy Discount | up to 10% |
Multiple Vehicle Discount | up to 25% |
Loyalty Discount | Varies |
Provider Switch Discount | Varies |
Prepay Discount | Varies |
E-billing Discount | Varies |
Preferred payment discount | Varies |
Anti-Theft Device Discount | up to 25% |
Passive Restraint Discount | up to 40% |
Electronic Stability Control | Varies |
Defensive Driver Discount | Varies |
Good Student Discount | up to 10% |
Student Away at School Discount | up to 10% |
Low Mileage Discount | up to 10% |
Anti-lock Brake Discount | up to 5% |
Good Driver Discount | Varies |
Home Owner Discount | Varies |
Paid in full discount | Varies |
Preferred payment discount | Varies |
Paperless documents discount | Varies |
Driving training discount | Varies |
Family Discount | Varies |
Electronic Stability Control | Varies |
Amica offers special auto insurance benefits to their customers at no additional cost. These include:
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.
Compare car insurance
Coverage Type | Description |
---|---|
Platinum Choice Auto | Provides superior coverage such as good driving rewards, prestige rental coverage, full glass coverage, an identity fraud monitoring service and new car replacement coverage |
Road Side Assistance | Typically adds coverage for towing, tire changes, lockout services, and more |
Rental Reimbursment | Reimburses the per day cost of a rental car (daily and maximum reimbursement may vary) |
Glass Coverage | |
Umbrella Policy | Adds protection against liability claims/judgements when your auto insurnce liability limits have been reached. |
Accident Forgiveness | Your rates won't automatically increase after an accident even if you're at fault. |
Payment Type | Description |
---|---|
Online Payment | Hate those annoying IVR menus? Pay your bill online. |
Automatic Online Payments | Forgetful? This option automatically charges your credit or debit card that you provided so that you never have to worry. |
Mail Payment | The option to mail in a personal check or money order. Don't forget the postage, sometimes the classics never die! |
Phone Payment -IVR | Ran out of postage? Want to keep things fast but simple? You can pay your bill over the phone. |
Bank Payment/Direct Deposit | |
Credit Card Payment | |
Debit Card Payments |
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:
Additional Amica home insurance coverages options include:
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:
Amica offers standard protection for you, your motorcycle, and your passengers.
Available coverages and discounts may vary by state, but will most likely include:
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:
Additional renters insurance options from Amica include:
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:
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:
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:
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:
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