insurify
  • Car Insurance
  • Virtual Agent
  • About
  • Blog
  • Overview
  • Discounts
  • Features and Services
  • Optional Coverage
  • Payment Methods
  • Products
  • Compare Insurance Companies
  • Related Companies
  • Reviews
  • Overview
  • Discounts
  • Features and Services
  • Optional Coverage
  • Payment Methods
  • Products
  • Compare Insurance Companies
  • Related Companies
  • Reviews
Compare quotes from 10+ companies in one place
Amica

Amica Car Insurance

★ ★★ ★★
4.5
154 user reviews

Overview

  1. Compare Car Insurance
  2. Amica

Insurify Composite Score

What's this?

Pros
  • Affordable prices
  • Knowledgeable service reps
  • Excellent overall service
See all Car Insurance Companies

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.

 

Share

Discounts

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
Share

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. 

 

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

Optional Coverage

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.
Share

Payment Methods

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
Share

Amica Insurance Products

 Home 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.

 Automobile Insurance

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.

 Motorcycle Insurance

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

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.

 Condo Insurance

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. 

 Life Insurance

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

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. 

 Marine Insurance

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

 Small Business Insurance

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.
Share

Compare Amica to other top companies

  • Amica vs 21st Century
  • Amica vs AAA
  • Amica vs AIG
  • Amica vs Allstate
  • Amica vs Arbella
  • Amica vs Erie Insurance
  • Amica vs Esurance
  • Amica vs Farmers
  • Amica vs GEICO
  • Amica vs The General
  • Amica vs The Hartford
  • Amica vs Kemper
  • Amica vs Liberty Mutual
  • Amica vs Mapfre
  • Amica vs Mercury
  • Amica vs MetLife
  • Amica vs Nationwide
  • Amica vs Plymouth Rock Assurance
  • Amica vs Progressive
  • Amica vs Safeco
  • Amica vs State Farm
  • Amica vs Titan
  • Amica vs Travelers
  • Amica vs USAA
  • Amica vs 21st Century
  • Amica vs AAA
  • Amica vs AIG
  • Amica vs Allstate
  • Amica vs Arbella
  • Amica vs Erie Insurance
  • Amica vs Esurance
  • Amica vs Farmers
  • Amica vs GEICO
  • Amica vs The Hartford
  • Amica vs Kemper
  • Amica vs Liberty Mutual
  • Amica vs Mapfre
  • Amica vs Mercury
  • Amica vs MetLife
  • Amica vs Nationwide
  • Amica vs Plymouth Rock Assurance
  • Amica vs Progressive
  • Amica vs Safeco
  • Amica vs State Farm
  • Amica vs Titan
  • Amica vs Travelers
  • Amica vs USAA
Expand
Share

Related Companies

Allstate
★ ★★ ★★
0.0
Arbella
★ ★★ ★★
3.0
Liberty Mutual
★ ★★ ★★
5.0
Mapfre
★ ★★ ★★
4.0
MetLife
★ ★★ ★★
4.0
Nationwide
★ ★★ ★★
0.0
Plymouth Rock Assurance
★ ★★ ★★
0.0
State Farm
★ ★★ ★★
0.0
Travelers
★ ★★ ★★
4.0
USAA
★ ★★ ★★
0.0
ACE Limited
★ ★★ ★★
0.0
Celina
★ ★★ ★★
0.0
Concord
★ ★★ ★★
0.0
Cornerstone National
★ ★★ ★★
0.0
Country Financial
★ ★★ ★★
0.0
Countryway Insurance
★ ★★ ★★
0.0
Encompass
★ ★★ ★★
0.0
First Chicago
★ ★★ ★★
4.0
First Hawaii
★ ★★ ★★
5.0
Haulers
★ ★★ ★★
4.0
Main Street America
★ ★★ ★★
4.0
Oregon Mutual
★ ★★ ★★
4.0
Secura
★ ★★ ★★
4.0
Shelter Insurance
★ ★★ ★★
0.0
Westfield Insurance
★ ★★ ★★
0.0
Direct General
★ ★★ ★★
4.0
Allstate
Allstate
★ ★★ ★★
0.0
Arbella
Arbella
★ ★★ ★★
3.0
Liberty Mutual
Liberty Mutual
★ ★★ ★★
5.0
Mapfre
Mapfre
★ ★★ ★★
4.0
MetLife
MetLife
★ ★★ ★★
4.0
Nationwide
Nationwide
★ ★★ ★★
0.0
Plymouth Rock Assurance
Plymouth Rock Assurance
★ ★★ ★★
0.0
State Farm
State Farm
★ ★★ ★★
0.0
Travelers
Travelers
★ ★★ ★★
4.0
ACE Limited
ACE Limited
★ ★★ ★★
0.0
Celina
Celina
★ ★★ ★★
0.0
Concord
Concord
★ ★★ ★★
0.0
Cornerstone National
Cornerstone National
★ ★★ ★★
0.0
Country Financial
Country Financial
★ ★★ ★★
0.0
Countryway Insurance
Countryway Insurance
★ ★★ ★★
0.0
Encompass
Encompass
★ ★★ ★★
0.0
First Chicago
First Chicago
★ ★★ ★★
4.0
First Hawaii
First Hawaii
★ ★★ ★★
5.0
Haulers
Haulers
★ ★★ ★★
4.0
Main Street America
Main Street America
★ ★★ ★★
4.0
Oregon Mutual
Oregon Mutual
★ ★★ ★★
4.0
Secura
Secura
★ ★★ ★★
4.0
Shelter Insurance
Shelter Insurance
★ ★★ ★★
0.0
Westfield Insurance
Westfield Insurance
★ ★★ ★★
0.0
Direct General
Direct General
★ ★★ ★★
4.0
Expand
Share

User Reviews

★ ★★ ★★
4.5
154 user reviews
5 Stars
74%
4 Stars
8%
3 Stars
7%
2 Stars
3%
1 Star
5%
Most Recent Review

3 Stars
★ ★★ ★★
3.0
By Arlen on November 26, 2017
They keep messing up my automatic payment.
Most Favorable Review

5 Stars
★ ★★ ★★
5.0
By Insurify User on September 7, 2017
I can't believe that I'm saying this about an insurance company, but these folks are fantastic. No claims this year, however. When I did have a (huge) claim, several years ago, they performed beyond admirably.
Share

Blog

10 Best & Worst Sites to Compare Car Insurance Quotes The Most Popular Car in Every State Drive Fast? These 10 States Have a Major Speeding Problem Most Dangerous States for Drinking and Driving How Dave saved $400 on car insurance with Insurify
About Blog Careers Press Privacy Policy Terms & Conditions Help

Top Car Insurance Companies

21st Century Amica Dairyland Esurance
Farmers Liberty Mutual Mercury MetLife
Nationwide Plymouth Rock Safeco The General
The Hartford Travelers USAA All companies

Compare Car Insurance Companies

American National vs Amica
Farmers vs Penn National
Amica vs GAINSCO
Ameriprise vs Stillwater
Alliance vs Cumberland
Acuity vs GEICO
CSE vs Liberty Mutual
American National vs Country Financial

© 2017 Insurify, Inc. All rights reserved. Ensurify Insurance Agency is a licensed insurance agency in 50 states.