Amica Car Insurance
Amica Car Insurance Information
| Insurify Composite Score | 93 | Number of discounts | 24 | Number of reviews | 184 | User Rating | 4.3 | A.M. Best | A+ | Standard & Poor’s | -- |
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Discounts
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 |
| Electronic Stability Control | 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 |
| Claims Free Renewal Discount | Varies |
Payment Methods
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Online Payment
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Automatic Online Payment
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Mail Payment
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Phone Payment
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Bank Payment/Direct Deposit
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Credit Card Payment
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Debit Card Payments
Features and Services
Amica auto insurance offers special benefits to its 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 airbag
- 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 on your answers to a few simple questions.
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24/7 service
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Roadside assistance
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Diminishing deductible
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Mobile app
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Accident forgiveness
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Policy bundling discounts
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Online account management
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Flexible / convenient payments
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Text and email alerts
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Enhanced towing & substitute coverage
Optional Coverage
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Platinum Choice Auto
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Roadside Assistance
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Rental Reimbursement
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Glass Coverage
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Umbrella Policy
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Accident Forgiveness
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Accidental Death, Dismemberment, Disability
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Electronic Key & Lock Replacement
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Airbag Replacement Coverage
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Comprehensive Claim Forgiveness
Amica Insurance by State
Online Quoting by State
Amica Insurance Products
Learn more about Amica Life Insurance.
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: Covers incidents 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 homeowners 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.
Car 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 coverage: Pays to repair or replace your vehicle after a collision with another object, or if it rolls over.
- Comprehensive coverage: 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 undrivable 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: Covers full 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, including 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: Offsets inflation by increasing your policy’s face value each year without raising your premium rates.
- Conversion Option: Turns 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.
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Company History
Amica Mutual Insurance Company was founded in Rhode Island in 1907, making it the oldest mutual insurer in the United States. Amica provides personal insurance with auto, homeowners, personal excess liability, and marine coverages. Amica is currently headquartered in Lincoln, Rhode Island.
Amica is a mutual insurance company, which means they’re owned by their policyholders rather than stockholders or investors. This means they offer dividend policies. A dividend policy costs more up front; however, it will also 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 employ insurance agents. Trained Amica representatives provide fast, direct service to their 1.6 million customers.
Amica has an A+ (superior) financial strength rating from A.M. Best.
Amica ranks For 17 years in a row, Amica Mutual has ranked highest for customer satisfaction in the homeowners insurance segment according to the J.D. Power 2018 U.S. Home Insurance Study.
Amica holds about $5.1 billion in assets as of December 2016.
Amica Reviews
Most Positive Review
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
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.
October 24, 2017