Amica is one of the oldest car insurance providers in the country. While the company has more than 100 years of industry experience, is it the right choice for you?
In this Amica insurance review, we’ll look at the company’s options for car insurance coverage and its reputation with customers. Our team has reviewed the best car insurance companies, and we recommend comparing quotes from several providers before choosing one.
States available: 50 states
AM Best financial strength rating: A+
Insurance types: Auto, home, life, umbrella, renters, condo, marine, motorcycle, wedding and event, small business, retirement, flood, pet, and RV and trailer
Amica Mutual Insurance Company, headquartered in Lincoln, Rhode Island, offers insurance products such as auto, home, and life insurance. Amica’s glowing customer reviews and more than 100 years of experience in the industry set it apart from the competition.
Amica Car Insurance Cost And Discounts
Car insurance from Amica can be an affordable option. The auto insurance provider’s discounts can help offset that cost, making policies even more budget friendly. Below is a list of insurance discounts you may be eligible for as an Amica customer:
|Car Insurance Discount||Discount Description|
|Loyalty||Provides a loyalty discount when you’ve been with any auto insurer for at least 2 years|
|Homeownership||May save you money for owning a home|
|Bundling||Saves you up to 30% for bundling auto with home and other policies|
|Multicar||Offers up to 25% off for insuring 2 or more vehicles|
|Young Driver Training||Provides a discount when a driver under 21 completes an accredited driver training program|
|Good Student||Offers discounts for full-time high school or college students with a “B” average or higher|
|Student Away at School||Discount for when your child away at school doesn’t have a car|
|Parent Loyalty||Discount for drivers under 30 whose parents have had Amica auto policies for at least 5 years|
|Accident-Free||Gives you a discount if you’ve been claim-free for the past 3 years|
|Defensive Driver Training||Gets you a discount for taking an approved driver safety course|
|Anti-Theft||Rewards policyholders for using anti-theft devices|
|Electronic Stability Control||Offers a discount if your vehicle has electronic stability control|
|Passive Restraints||Rewards you with a discount if your vehicle has air bags|
|Forward-Collision Warning||Provides a discount if your car has a collision-avoidance feature and automatic detection devices|
|Adaptive Headlights||Gives you a discount if your car has headlights designed for low-light conditions|
|Paid In Full||Saves you money if you pay your whole policy premium up front|
|AutoPay||Gives you a discount for using automatic payments|
|Paperless||Gets you a discount for receiving documents and bills electronically|
Common Factors That Affect Car Insurance Costs
While discounts can be helpful in reducing insurance costs, it’s important to know what influences those prices. These common factors can affect your insurance premium:
- Age: Insurance companies view teenagers as high-risk drivers, so they’re more expensive to insure.
- Driving history: How long you’ve been driving and how many tickets you’ve gotten help determine how much you pay for coverage.
- Credit score: Drivers with poor credit tend to file more claims, which can raise insurance premiums.
- Location: The state and ZIP code you live in will affect the price of your insurance.
- Gender: In most states, young men usually pay more for coverage because insurance providers see them as more likely to take driving risks.
- Insurance history: Insurance companies view a lack of continual coverage as a risk.
- Annual mileage: If you drive less than 7,500 miles per year or more than 15,000, it will likely affect the cost of your auto insurance.
- Claims history: Companies view a long insurance claims history as a red flag.
- Vehicle type: Insurance rates for sports cars and luxury vehicles are higher than those for a typical sedan.
- Vehicle financing: If your car is financed, the lender will probably require you to have full coverage, which includes collision and comprehensive car insurance.
Amica Auto Insurance Coverage
Most states have minimum car insurance coverage requirements for drivers. If Amica operates where you live, it will satisfy your state’s minimum requirements and offer additional types of coverage.
Below are the standard types of car insurance available with Amica’s insurance policies:
|Type of Car Insurance||Description|
|Liability||Bodily injury (BI) liability car insurance covers the medical expenses for other drivers and their passengers after an accident where you’re at fault. Property damage (PD) liability coverage pays for damages to other drivers’ vehicles after an accident where you’re at fault.|
|Collision||Collision insurance pays for damages that occur while your car is moving, either with another vehicle or a road hazard, or if you flip your vehicle.|
|Comprehensive||Comprehensive insurance pays for damages to your vehicle that are caused by animals or natural disasters. It also pays to repair or replace your vehicle if it’s stolen or vandalized.|
|Medical Payments||Medical payments (MedPay) insurance covers medical bills for you and your passengers after an accident.|
|Personal Injury Protection||Personal injury protection (PIP) pays medical bills for you and your passengers after an accident. PIP may also pay for expenses such as lost wages.|
|Uninsured/Underinsured Motorist||Uninsured/underinsured motorist coverage pays for damages to your vehicle if you’re hit by another driver who doesn’t have insurance or doesn’t have enough insurance to fully pay for the cost of damages.|
Additional Amica Coverage Options
Amica offers additional insurance options that can be purchased individually or packaged together as Platinum Choice® Auto. Here’s a list of these available add-ons:
|Type of Coverage||Description|
|Full Glass Coverage||This upgrade covers the cost of your deductible for any type of glass damage.|
|Identity Fraud Monitoring||This upgrade provides you with 24/7 monitoring of your credit files and personal information. If something unusual is detected, a fraud specialist will provide expert help.|
|Prestige Rental Coverage||This upgrade offers reimbursement for rental car costs if your car is damaged in a covered accident.|
Amica Mobile App
Some car insurance companies provide a great customer experience when it comes to coverage but fail to keep up with technology. This isn’t the case with Amica. The insurer’s mobile app is functional and dependable, letting policyholders pay bills, manage claims, and more.
The Amica mobile app is highly rated by consumers. It averages 4.2 out of 5.0 stars on Google Play based on more than 670 customer reviews. In the App Store, it’s rated a near-perfect 4.8 out of 5.0 stars from more than 7,900 customer reviews.
BBB rating: A+
BBB complaints in last three years: 96
J.D. Power customer satisfaction index: 895
Trustpilot rating: 4.5
The Better Business Bureau (BBB) gives Amica an A+ rating and accreditation. While Amica receives high marks from the BBB, customer reviews on the site create a different picture. Customers give an average rating of 1.1 out of 5.0 stars, though this is based on fewer than 50 reviews. On the other hand, more than 1,500 customers on Trustpilot give Amica an average rating of 4.5 out of 5.0 stars.
Positive Amica Reviews
Positive Amica insurance reviews mention long track records of friendly and supportive service.
“My experience with Amica extends back over 65 years. It has been unfailingly excellent–responsive, informative, and friendly. Thankfully, I have had few occasions to file a claim.”
– Albert via Trustpilot
“Best insurance company I’ve ever had–ever. Nicest people, fast turnaround on claims, and in all the years I’ve used Amica, I have never had one single issue. I’m now a customer for life!”
– Douglas via Trustpilot
Negative Amica Reviews
Negative Amica insurance reviews mention price increases and a website that’s not user friendly
“I am so disappointed in this company. Their website is not user friendly, you can only call during business hours, you speak to a different person every time and the customer service agents are incompetent. Needless to say, I am obtaining other car insurance quotes tonight.”
– Anonymous via Trustpilot
“Yearly price increases are significant with no claims and no explanation from service when you call in.”
– Alesha via Trustpilot
Bottom Line On Amica: 4.0 Stars
Overall, we rate Amica Mutual Insurance Company 4.0 out of 5.0 stars for its cost, customer service, reliability, and coverage. It has ample discount opportunities, as well as policy upgrades that come in handy in an emergency situation. Amica could be a good option for auto insurance and provide you with the coverage you need.
Other Recommendations For Car Insurance
Drivers have many options for high-quality car insurance. When you’re shopping around, we recommend getting quotes from the auto insurance providers below.
Geico: Best For Discounts
Our review team recognizes Geico as Best for Discounts in our 2022 ranking of the top auto insurance providers. Geico is well suited for students and military families, offering discounts of up to 15 percent for both groups. Our rate estimates show it provides some of the cheapest car insurance rates on average for good drivers.
Geico has been providing high-quality coverage since 1936 and is the second-largest car insurance provider in the nation, according to the National Association of Insurance Commissioners. This provider has an A++ financial strength rating from AM Best and an A+ rating from the BBB.
For more in-depth information about this company, read our Geico insurance review.
USAA: Best For Military Members
Our review team recognizes USAA as Best For Military Members in 2022, as USAA coverage is only available to military members, veterans, and their families. Good drivers are likely to find the lowest rates from this company.
USAA has an A++ financial strength rating from AM Best and an A+ rating from the BBB. The company has been providing auto insurance policies since 1922.
For more information, read our USAA insurance review.
Amica Insurance Reviews: FAQ
What does Amica stand for?
Amica stands for Automobile Mutual Insurance Company of America.
How We Rate Insurers
Our review process aims to deliver consistent and unbiased assessments of car insurance Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:
- Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
- Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
- Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
- Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.
*Data accurate at time of publication.