Amica - Car Insurance

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4.8 Rating

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Composite Score
What is this?
U.S Auto Insurance Shopping Study (2018)
Call Center RepresentativeAbout average
Insurer WebsiteAbout average
Local AgentAmong the best
Overall SatisfactionBetter than most
Policy OfferingsBetter than most
PricingBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
Claim ServicingAmong the best
Estimation ProcessBetter than most
First Notice of Loss (FNOL)Among the best
Overall SatisfactionAmong the best
Rental ExperienceAbout average
Repair ProcessBetter than most
SettlementAmong the best
J.D. Power Ratings by Region (out of 1000)
RegionRatingsState Average
New England879Among the best
Amica Ratings
BrandRatingsUser reviews
Mobile App (iOS)
Mobile App (Android)
Trust Pilot
Trustpilot score: 3.5
TrustScore 3.5
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA+


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

Carrier Discounts
Discount %
Multiple VehicleAnti-Theft DeviceAnti-Theft DeviceMultiple PolicyDefensive DriverGood StudentStudent Away at SchoolLow MileageAnti-lock Brake
Discount Group
Discount TypeDiscount %
Multiple Vehicleup to 25%
Anti-Theft Deviceup to 25%
Anti-Theft Deviceup to 15%
Multiple Policyup to 10%
Defensive Driverup to 10%
Good Studentup to 10%
Student Away at Schoolup to 10%
Low Mileageup to 10%
Anti-lock Brakeup to 5%
Provider SwitchVaries
Preferred paymentVaries
Electronic Stability ControlVaries
Defensive DriverVaries
Good DriverVaries
Accident ForgivenessVaries
Paid in fullVaries
Preferred paymentVaries
Paperless documentsVaries
Driving trainingVaries
Electronic Stability ControlVaries
Claims Free RenewalVaries

Payment methods

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    Automatic Online Payment
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    Bank Payment/Direct Deposit
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    Credit Card Payment
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    Debit Card Payments
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    Mail Payment
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    Online Payment
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    Phone Payment

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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    Mobile app
  • benefit/accident-forgiveness.svg
    Accident forgiveness
  • benefit/roadside-assistance.svg
    Roadside assistance
  • benefit/sms-email-alerts.svg
    Text and email alerts
  • benefit/flexible-payment.svg
    Flexible / convenient payments
  • benefit/diminishing-deductible.svg
    Diminishing deductible
  • benefit/online-portal.svg
    Online account management
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    Enhanced towing & substitute coverage
  • benefit/policy-bundling.svg
    Policy bundling discounts

Car Insurance Coverage

Not seeing the state you're looking for? See all states here.

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 Products

Learn more about Amica Life Insurance

Home Insurance
Car Insurance
Motorcycle Insurance
Renters Insurance
Condo Insurance
Life Insurance
Umbrella Insurance
Marine Insurance
Small Business Insurance

FAQs - Amica Car Insurance

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How is Insurify different from other insurance quote comparison sites?

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Compare Amica to GEICO

Amica vs GEICO

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.

How to cancel your Amica Car Insurance Policy

To cancel your policy you will need to speak with customer service. For auto, home, marine, or an umbrella policy, call 800-242-6422. For life insurance, contact 800-234-5433, extension 89075.

Cancellation Fee: $25

Amica Reviews

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

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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
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.
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

Amica Car Insurance Information

Insurify Composite Score95
Number of discounts24
Number of reviews251
User Rating3.6
A.M. BestA+

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.