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For many drivers, Amica auto insurance can be an affordable option with a great customer experience – but is it right for you? Today, we’ll dig into Amica auto insurance reviews, cost, coverage, and more. Learn more about this company and compare it to the best car insurance companies in the industry.

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

 

In this article:

Amica Insurance Overview

Amica Mutual Insurance Company is based in Lincoln, Rhode Island. The company was founded over 100 years ago in 1907, which makes it older than any other mutual auto insurance company in the United States. It’s also a relatively small company. According to Amica's website, it had 1.6 million policies in force in 2018. By comparison, Progressive had 19 million policies in force that year.

But don't let the company’s small size fool you. AM Best says Amica has superior financial ability to manage its policies, and the company has great customer service reputation, including an A+ rating from the Better Business Bureau (BBB). Those two things alone make Amica auto insurance worth considering.

Auto Insurance Dividend Policy

Amica is a mutual insurance company, which means it is owned by its policyholders, not investors or stockholders. When the company makes a profit, it can share that with its policyholders through breaks on premiums or dividend payments.

Amica offers dividend plans on auto, home, umbrella, and marine policies. You’ll pay more up front, but you could get up to 20 percent of your premium back in dividends. You can also choose to use the dividends to lower your premium.


Amica Auto Insurance Coverage

Amica auto insurance can satisfy your state's minimum requirements and more. Here are the standard types of car insurance you can get with any Amica auto policy:

  • Bodily injury and property damage liability (BI/PD): If you cause an accident, liability auto insurance will pay the other party’s medical bills and property repair costs.
  • Medical payments (MedPay): This covers your medical bills regardless of fault.
  • Personal injury protection (PIP): PIP also covers your medical bills, as well as lost wages and funeral expenses.
  • Uninsured/underinsured motorist (UM/UIM): If you get hit by an uninsured or underinsured driver, this coverage will pay for your medical bills and repairs to your car.
  • Collision insurance: This coverage pays for repairs to your car after an accident regardless of fault. If the accident is not your fault, Amica seeks compensation from the other party's insurance company.
  • Comprehensive car insurance: If your car is damaged from a non-traffic event, comprehensive coverage will repair it. Covered events can include damage from inclement weather, fire, vandalism, and theft.

Platinum Choice Auto® 

You can choose to upgrade your Amica auto insurance with Platinum Choice Auto. The plan can include all of the upgrades below or only those you select, depending on your preference.

    • Prestige Rental Coverage: This option gives you flexibility in choosing a rental car. With Prestige Rental Coverage, you can choose a model similar to your own car, whether that's an SUV or luxury car. You also get a limit of $5,000 per occurrence toward your rental, without a daily limit.
    • Identity Fraud Monitoring: With this coverage option, Amica will monitor your credit files and personal information around the clock. If something unusual is detected, you can get expert help from a fraud specialist.
    • Full Glass Coverage: This option eliminates deductibles for any type of glass damage. You can also get a lifetime guarantee on glass repair from an Amica-approved shop.
    • Accident Forgiveness: Through Amica’s Good Driving Rewards program, you can get Advantage Points by being a safe driver. You can also get points by referring other drivers to Amica car insurance and renewing your policy. When you have enough points saved up, you can use them to reduce your deductible or to get accident forgiveness.

Amica Auto Insurance Perks

Some perks come standard with any auto policy from Amica. These include:

  • Free glass repair if the glass doesn't need to be replaced
  • Free deployed airbag repair
  • Free lock replacement if your keys are lost or stolen
  • Not counting depreciation if your new car is totaled within one year of the purchase date
  • Reimbursement for lost wages if you have to appear in court
  • $1,000 toward bail bonds

You can also opt for the following coverages with any Amica auto insurance policy:

  • Roadside assistance: This covers fuel delivery, spare tire installation, towing, jump-starts, and lockout services.
  • Rental reimbursement: This pays for a rental car if you get into a covered accident. Standard limits are around $20 per day and $600 per occurrence. Keep in mind that your choice of rental car will be limited unless you upgrade with the Prestige Rental Coverage discussed above.

Amica Insurance Cost And Discounts

Amica tends to be more expensive compared to other providers in the industry. Our cost research shows that the average 35-year-old driver pays $2,370 per year for comprehensive car insurance coverage. This is above the national average of $1,732 per year


Your Amica car insurance rates are determined by several factors, including:

  • Age
  • Location
  • Credit history
  • Deductible you choose
  • Driving history and habits
  • The car you drive 

Our experts compiled data on a number of providers in the insurance industry. The tables below show the cheapest providers available for a number of driver profiles, so you can see how Amica’s average prices compare to others.

Average Car Insurance Prices
Car Insurance Provider Average Annual Cost Estimate
USAA $1,013
Erie $1,113
Auto-Owners $1,229
State Farm $1,339
Geico $1,352
Progressive $1,397
Nationwide $1,533
Travelers $1,617
Farmers $2,032
The Hartford $2,166
 
Cheapest Car Insurance Estimates for Good Drivers
Car Insurance Provider Average Annual Cost Estimate
USAA $1,013
State Farm $1,339
Geico $1,352
Progressive $1,397
Nationwide $1,533
Allstate $2,429
 
Cheapest Car Insurance Estimates for Drivers with Poor Credit
Car Insurance Provider Average Annual Cost Estimate
USAA $1,807
Geico $2,077
Nationwide $2,227
Progressive $2,514
State Farm $3,616
Allstate $3,765
 
Cheapest Car Insurance Estimates for Young Drivers
Car Insurance Provider Average Annual Cost Estimate
USAA $1,422
Geico $1,627
State Farm $1,765
Progressive $2,029
Nationwide $2,293
Allstate $2,959
 

Amica Auto Insurance Discounts

With Amica auto insurance, you could qualify for the following policy discounts:

Amica Insurance Discounts Details

Loyalty

Get a discount for maintaining car insurance coverage with Amica for at least two years.

Multiple Policies

Get up to 30 percent off by combining policies, such as auto/home or auto/life.

Claim-Free

If you haven't filed any claims in the past three years, you can qualify for this discount. Glass and towing claims don’t apply.

Multiple Auto

Insuring two or more cars with Amica can save you up to 25 percent on a car insurance policy.

Homeowner

Whether your home is insured through Amica or not, you can get a discount on your auto policy for owning one.

Family

If your parents have had Amica for at least five years, and you are under 30 years old, you can get this discount.

Paid in Full

Like many auto insurance companies, Amica will give you a discount if you pay your policy up front in full.

Autopay

If you give Amica permission to automatically withdraw your money each month, you can get this discount.

E-Discount

Opt for paperless billing and you'll get this discount.

 

You can also get the following discounts that are based on the car that you drive:

  • Anti-theft
  • Electronic stability
  • Passive restraint
  • Forward collision warning
  • Adaptive headlights

Finally, here are a few more discounts for Amica auto insurance that apply to you as a driver or student:

  • Defensive driver training: This discount is typically available to older adults who take an approved defensive driving course.
  • Young driver training: This discount is available for young motorists who take an approved driver's education course.
  • Good grades: Full-time high school or college students with a B average (between the ages of 15 and 25) can get this discount.
  • Student away at school: If you have a child who is away at school without their vehicle, you can get this discount on Amica car insurance.

We think you can find low rates from Amica if you have a good driving record and are beyond your teenage years. However, teen drivers and drivers with recent claims may find better rates from other companies. To explore your choices, call (844) 246-8209  or use this tool:

 

Amica Auto Insurance Reviews

While Amica performs well on industry surveys, it does have a few complaints. Amica has an A+ rating and accreditation from the Better Business Bureau, but the BBB complaints page shows about 75 complaints in the past three years. That’s actually not very many. Progressive’s ratio of BBB complaints to policies is about three times higher.

Positive Amica Auto Insurance Reviews

“Prices are fair and they are always available when I call. No need to wait on hold or jump through hoops to get a representative. Kind, friendly people.”

- Vanessa via Trustpilot 

“My car was vandalized and needed hood repairs. I got an estimate and sent pics of the damage and was sent a check minus my deductible ($100) the next day. The Rep, Kelly Short made the whole process quick & painless. Extremely satisfied with Amica. Great Insurer!”

- Bob W. via Yelp

Negative Amica Auto Insurance Reviews

“I received a quote from Amica Insurance today over the phone that included a home and auto multi-line discount... Immediately after paying for the home and auto insurance I was told that I must also buy their umbrella policy coverage or I would be charged an additional $127. This requirement was not disclosed to me at any point prior in the call.”

- Customer via BBB

“In short, Amica has utterly failed to provide adequate service or even basic communication to their client and the aggrieved party in a not-at-fault car accident. After a month of delays and intentional evasiveness, it is clear that Amica has failed to act in good faith and my best interest.

- Customer via BBB

Quotes And Claims Service

You can get a quote for Amica auto insurance by visiting the website or calling a 24/7 phone number. We tested Amica's online quotes process and found it to be simple and clear. Many other people feel the same way – Amica finished in second place among mid-size insurers on J.D. Power’s 2021 U.S. Insurance Shopping StudySM

We also noticed that Amica offers a 24/7 chat line – with a human – while you are getting a quote. That’s nice to have in case you have any questions during the online quotes process. Even though artificial intelligence keeps improving, we still think it feels better to chat with a human at this point.

Amica auto insurance did drop on J.D. Power’s 2020 U.S. Auto Claims Satisfaction StudySM, where it held first place in the 2019 results. This year it took second place over popular choices like Nationwide car insurance and Allstate auto insurance. This study asked over 11,000 insurance customers about their experiences with settling claims. At the end of the day, the claims process is really what you pay an insurance company to do. It's one thing to purchase a policy with the coverage you need, but it's another thing to use that coverage and have a good experience.


Amica Car Insurance Technology And Apps

Some insurance companies have great coverage options and prices but fall flat in the technology department. Thankfully, that's not the case with Amica auto insurance. Amica's mobile app is reliable and has high ratings from users. It has a 4.4 out of 5.0 on the Google Play store and a 4.8 out of 5.0 on the App Store.

With the Amica car insurance app, you can:

  • View your policy
  • Pay your bill
  • Submit and monitor clams
  • View your insurance ID card
  • Increase your coverage
  • Request roadside assistance
  • Contact customer service

Our Take On Amica Auto Insurance: 4.0 Stars

All things considered, we think Amica is a good choice for auto insurance. We rate the company 4.0 out of 5.0 stars. It offers affordable rates to many drivers, and Amica insurance reviews are mostly positive. However, it might not be the best car insurance for new drivers, teens, or high-risk drivers.

Pros Cons

Affordable rates

High prices for young and high-risk drivers

Strong customer review profile

No rideshare coverage

Wide range of discount options

Discounts not available in all states

Offers valuable add-ons and perks  
 

Listed below are all the insurance and financial products you can purchase from Amica:

  • Auto insurance
  • Home insurance
  • Life insurance
  • Umbrella insurance
  • Condo insurance
  • Renters insurance
  • Marine insurance
  • Motorcycle insurance
  • Wedding and event insurance
  • Small business insurance
  • Retirement insurance 

Recommended Insurance Providers

You could find a really good quote from Amica, but you won't know if it has the best rate until you do some more shopping. Call (844) 246-8209 or use the tool below to find companies with comparable coverage and prices:

 

The best auto insurance company is the one that offers you the best coverage and prices – which is to say, it depends. After you get a quote for Amica auto insurance, we think Progressive and State Farm are two more good options to check out – plus, they both offer rideshare coverage, which is important for many people today.

Progressive Car Insurance: Best For High-Risk Drivers

Maybe you've had a recent accident and are paying above-average rates. With Progressive, you can get a big discount for being a safe driver right now, regardless of your history. That makes Progressive a great choice for high-risk auto insurance.

Progressive’s Snapshot program collects data on your driving habits and monitors things like hard braking and late-night trips. While you can get a good discount, be aware that it can raise your rate if you get a bad score.

Like Amica auto insurance, Progressive has a great financial rating from AM Best. However, it had average rankings on both of the studies by J.D. Power.

Learn more in our in-depth Progressive insurance review.


State Farm Car Insurance: Best For Students

If you are a student looking for thier own policy, don’t forget to get a quote from State Farm. That’s because State Farm has a great discount for good students – you can get up to 25 percent off your premium if you have a B average or better. That’s the biggest student discount we’ve come across, giving State Farm some of the best car insurance for college students.

Drivers of any age can participate in State Farm’s Drive Safe & Save. This is the company’s telematics app that can give discounts of up to 30 percent. Unlike Progressive’s app, it can’t raise your rate based on your driving.

Learn more in our State Farm insurance review.


Frequently Asked Questions

Is Amica car insurance good?

Amica Mutual Insurance does have strong ratings when it comes to customer satisfaction and claims service. It has an A+ rating from the BBB and received high marks in auto insurance reviews by J.D. Power.

Is Amica auto insurance cheaper than Geico?

Our research found that Amica and Geico both offer low-cost insurance premiums, but not to the same drivers. Amica has cheaper car insurance rates for adults with clean driving records, while Geico is better suited for teenage drivers and higher-risk customers.

How much does Amica car insurance cost?

An auto insurance quote depends on a policyholder’s age, location, coverage limits, and driving experience. We found that Amica offers competitive prices, but drivers can also save money with good student discounts and safe driving habits.

 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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