Amica Car Insurance Review: Ratings and Quotes (2024)

Award-winning customer service, numerous discounts, and a long business history make Amica an insurer worth considering.

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As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Updated September 4, 2024

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Table of contents

• Amica insurance
• Reviews and ratings
• How Amica compares
• FAQs

• Amica insurance
• Reviews and ratings
• How Amica compares
• FAQs

Table of contents

• Amica insurance
• Reviews and ratings
• How Amica compares
• FAQs

• Amica insurance
• Reviews and ratings
• How Amica compares
• FAQs

When you’re in the market for car insurance, trying to figure out which insurance company offers the best coverage at a price that fits your budget can feel overwhelming. If you’re struggling to find the right fit, Amica is worth a look. With various coverage options and unique discount programs, you can customize your policy while saving money on car insurance.

In this article, you’ll learn about Amica’s ratings, explore its different policies, and compare it to other popular insurance companies so you can make an informed insurance-buying decision.

• Amica is the oldest mutual insurer of automobiles in the U.S.
• Various discounts are available through Amica, including loyalty, bundling, and good driver discounts.
• Amica earned an A.M. Best financial strength rating of A+ (Superior).

What is Amica auto insurance?

Amica Mutual Insurance Company was founded in Providence, Rhode Island, in 1907 as the Automobile Mutual Insurance Company of America. Today, the company is licensed to do business in all 50 states. In addition to auto insurance, it provides various other coverage options, including life, homeowners, renters, flood, and small-business insurance. [1]

Like other insurance companies, Amica makes money by collecting premiums from policyholders. Amica then invests funds, and the income from those funds helps offset the costs associated with servicing customers and paying out claims.

Amica

The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.

Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.

Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.

Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders, rather than shareholders. The company has A+ ratings from A.M. Best for financial stability and credit, and was the highest-ranked insurer for customer satisfaction in New England according to J.D. Power. Amica offers numerous discounts to help drivers save, and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.

• Good ratings for customer service and satisfaction
• Multiple discounts and coverage options available

• Higher-than-average rates for drivers with traffic violations
• Limited number of local offices

Payments rise every 6 months with no increase in performance.

Amica pros and cons

• J.D. Power award winner: In 2022, Amica won J.D. Power’s “Highest in Customer Satisfaction with the Auto Insurance Claims Experience” award. [2]
• 24/7 claims service: Claim representatives are available via phone 24 hours a day, seven days a week.
• Financial strength rating: Amica has an A+ (Superior) rating from A.M. Best, a credit-rating agency specializing in insurance. [3]

• Discounts not available everywhere: While Amica advertises several discounts, they’re not available in every state.
• Few in-person service options: Amica doesn’t work with agents to sell its policies and has few local offices, so finding in-person service may be difficult.
• Low customer rating on the Better Business Bureau (BBB): Amica only has 1.36 out of 5 stars based on 56 reviews on its BBB profile.

Amica car insurance coverage

Amica offers the state minimum liability auto insurance and many other common coverages — including medical payments, personal injury protection, uninsured/underinsured motorists, and comprehensive and collision policies — for those who want more protection.

Some of its other auto coverage options include:

• Auto loan/lease coverage: This optional coverage pays the difference between the value of your car and your loan or lease balance if you total your car in a covered accident.
• Full glass coverage: This add-on covers the cost to repair or replace your vehicle’s glass without a deductible.
• Roadside assistance: This covers the cost of towing, changing a flat tire, jump-starting a battery, or other assistance, 24 hours a day, seven days a week.
• Rental reimbursement: This covers your transportation costs while you repair your car after a covered accident. [4]

Amica car insurance costs by state

Car insurance costs and requirements vary significantly depending on the state where you live and insure your vehicle.

It’s important to compare quotes from several different companies before selecting an auto policy. That way, you can ensure you’re getting the best coverage for your money. The following table shows some examples of Amica’s average monthly rates.

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Amica car insurance rates by driving history

Your driving record will heavily influence your car insurance rates. Insurance companies consider factors such as the number of years of driving experience you have and any past accidents, claims, or tickets when assessing how much you should pay for auto coverage. You may be eligible for cheaper rates if you have a clean driving record .

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Amica car insurance cost by age

The cost of car insurance for drivers varies significantly based on your age. In general, drivers younger than 25 tend to pay higher premiums due to a lack of driving experience and a statistically higher risk of having an accident. [5]

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get an Amica car insurance quote

Here’s how you can get a quote through Amica:

1. Visit Amica.com and select “Get a Quote” from the drop-down menu at the top of the page.
2. Enter your ZIP code. If Amica offers coverage in your area, the insurer will then ask you to select the type of policy or policies you want quotes for.
3. You’ll then need to provide information about yourself, such as your name, address, date of birth, marital status (if applicable), occupation, and driver’s license number(s) for all drivers in your household who the policy will cover.
4. Next, you’ll provide details about the vehicle(s) you want to insure, such as the make, model year, and vehicle identification number (VIN).
5. Then, you’ll have the opportunity to answer questions about discounts that you may qualify for, such as loyalty, safe driver, and student discounts.
6. Finally, Amica will give you a quote, which you can customize by changing limits, qualifying for discounts, or adding optional coverages.

Amica car insurance discounts

Like many other insurers, Amica offers various discounts to help customers reduce the cost of their auto coverage:

• Loyalty: Amica offers discounts for customers who have been with their existing auto insurance company for at least two years. Customers under age 30 whose parents have had an auto policy with Amica for at least five years may also qualify for a legacy discount.
• Bundling: You can save if you bundle your auto insurance with homeowners, condo, renters, life, or umbrella policies. Amica also offers a discount to policyholders who insure multiple cars on the same policy.
• Young driver training: Drivers younger than 21 may qualify for a discount if they complete an approved driver training program.
• Students: You may be eligible for a discount if your child is a full-time student living away from home without a car. Full-time high school and college students with good grades may also qualify for a good student discount.
• Good driver: Drivers who have been claim-free for the past three years may qualify for a discount. You can also get a discount for taking an approved driver safety course.
• Safety/anti-theft devices: You may qualify for discounts if your car has certain safety features, such as airbags, adaptive headlights, car alarms, CPS tracking systems, electronic stability control, and collision avoidance features.
• Pay in full: You’re eligible for a discount if you pay your entire policy premium up front rather than in monthly installments. You can save more by enrolling in paperless billing and signing up to have your payment electronically drafted from your account. [6]

Amica bundling options

Many insurance companies offer bundling discounts to incentivize customers to purchase multiple policies from them. This helps increase customer loyalty and generate more revenue for the company.

Amica offers bundling discounts for those who bundle their auto insurance with homeowners, condo, renters, life, flood, boat, motorcycle, small-business, and umbrella policies. According to the website, you can save up to 30% when you purchase your auto policy plus one or more other policies from Amica.