Amica Car Insurance Review (2022)

With compelling customer reviews and an assortment of coverage options, Amica is an excellent choice for auto insurance. See how it compares to the competition.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Aug 26, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Aug 26, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Written By: Rachel BodineReviewed By: Daniel WalkerUPDATED: Aug 26, 2022Fact Checked
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4.2
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Amica Mutual Insurance Company

Average annual rate for good drivers:

$2,118

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • Higher-than-average customer satisfaction
  • Discounts on coverage
  • Add-ons such as full glass coverage and roadside assistance
  • Amica’s healthy financial strength and a positive outlook on future endeavors

Cons

  • Not all coverages are available in Alaska or Hawaii
  • Higher-than-average rates compared to competitors

The Bottom Line

If you’re looking for car insurance, you may want to consider Amica Mutual Insurance Company. Amica offers the coverage you need and provides additional options for safety and peace of mind. In addition, the company garners exceptional ratings and customer reviews and takes customer service extremely seriously. 

Auto insurance rates with Amica may be higher than average in your area, so you should compare rates with competitors before committing to a policy with Amica.

If you’re shopping for car insurance, you’re probably interested in finding the best auto insurance companies in your area. While you’re likely familiar with companies like State Farm and GEICO, you may find the best coverage and price with a different provider.

Amica Mutual Insurance offers auto, home, and life insurance coverage throughout the U.S. The company offers competitive rates for car insurance and has a higher-than-average rating regarding customer satisfaction. 

Amica offers standard auto insurance coverage options and add-ons like roadside assistance and full glass repair. However, not all coverage options are available in every state. Keep reading to learn more about Amica auto insurance before you start comparing insurance quotes from elsewhere.

Is Amica Mutual Insurance Company a Good Choice?

Things to Remember

  • Amica offers a variety of coverage options so you can customize your policy based on your needs
  • Amica’s auto insurance rates tend to be higher than some of the competition, but there are discounts available to bring down the price
  • Policyholders rate Amica customer service very highly

Amica Insurance ratings and customer reviews are encouraging for anyone considering purchasing a policy with the company. Amica garners an A+ (Superior) financial strength rating and a stable future outlook with AM Best. Additionally, Amica has an A+ rating with the Better Business Bureau (BBB).

In addition to the company’s professional ratings, Amica insurance reviews made by policyholders are also quite positive. The company states that helpful and timely responses are important, and many clients agree that Amica’s customer service is always available and often beneficial whenever there’s a problem. 

If you’re considering purchasing a car insurance policy with Amica, you may want to read some reviews online. You’ll be able to see what customers say about filing car insurance claims with Amica and what happens next.

Amica Mutual Insurance Company Rates

How much is Amica’s car insurance?

Insurance with Amica is often competitive in price, but rates for coverage tend to be slightly higher than rates from competitors. 

The table below shows the average annual rate for a full coverage auto insurance policy with Amica compared to other insurance providers.

Amica Average Annual Rates for Full Coverage Auto Insurance
Insurance CompanyRates for a 30 Year-old MaleRates for a 30 Year-Old Female
Allstate Rates$2,117.78$2,020.99
Amica Rates$2,118.41$2,029.49
Farmers Rates$2,005.96$1,921.00
Progressive Rates$1,632.65$1,569.30
State Farm Rates$1,234.16$1,122.40
Travelers Rates$1,292.08$1,190.21
Average U.S. Rates$1,669.41$1,544.60
Get Your Rates Quote Now

You can see that Amica rates are, on average, near the top of the list in terms of cost. But comparing average rates doesn’t help you know what to expect to pay for your car insurance coverage with Amica.

By comparison, here is how Amica’s rates compare with the same competitors for minimum coverage auto insurance.

Amica Average Annual Rates for Minimum Coverage Auto Insurance
Insurance CompanyRates for a 30 Year-old MaleRates for a 30 Year-Old Female
Amica Rates$635.24$609.06
Allstate Rates$801.38$766.42
Farmers Rates$764.12$733.09
Progressive Rates$584.84$584.84
State Farm Rates$472.63$430.92
Travelers Rates$485.42$449.04
U.S. Average Rates$631.93$584.84
Get Your Rates Quote Now

Amica’s Car Insurance Rates Based on Driving History

One of the best ways to keep your car insurance low is to keep your driving record clean. Violations like DUIs, tickets, and accidents can cause your rates to increase. The tables below will give you an idea of how each of these can impact your car insurance rates.

Here is how a DUI can increase your rates with Amica.

If you are involved in an accident and found to be at fault, you will likely see a rate increase like those shown below.

Finally, let's take a look at how a ticket may affect your car insurance rates with Amica.

As you can see, being a safe driver pays off with lower rates.

Amica's Car Insurance Rates Based on Age

Your driving record, age, gender, marital status, type of coverage, and your auto insurance rates will be significantly impacted. Let's take a look at Amica's minimum and full-coverage auto insurance rates for teenage males and females with clean driving records.

As you age and gain experience behind the wheel, your car insurance rates will start to decrease as long as you keep your record clean. The table below shows Amica's average rates for senior drivers.

So it’s a good idea to get a quote for car insurance coverage from Amica rather than relying on national averages.

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Amica Mutual Insurance Company Discounts Available

Amica Mutual Insurance Company offers several options for discounts on auto insurance. These are some of the company’s most popular discounts:

  • Loyalty
  • Bundling auto and more
  • Homeownership
  • Multi-car
  • Young driver training
  • Good student
  • Student away at school
  • Rewarding your parent’s loyalty
  • Accident-free
  • Defensive driver training
  • Anti-theft
  • Electronic stability control
  • Passive restraints
  • Forward-collision warning
  • Adaptive headlights
  • Paid-in-full
  • AutoPay
  • Paperless

Amica’s website states that specific discounts could help policyholders save as much as 25% on their car insurance premiums. If you believe you may qualify for one or more discounts with Amica, call the Amica Insurance phone number and speak with a representative in your area to see how much you could save on coverage.

Amica Mutual Insurance Company Coverage Options

Amica offers different options for car insurance, and the company allows customers to choose the coverage types they need and customize an auto insurance policy that works best for their unique lifestyle. 

Options with Amica auto insurance include the following:

Depending on what you’re looking for, you may find that a combination of several of the coverage options above works best for you. Amica allows you to choose the types of coverage you need, and you can alter your policy at any time to ensure it works well.

Not all coverage options are available in every state, so you may want to call and speak with an Amica insurance representative to learn whether the coverage you’re looking for is an option in your area.

As with all insurance companies, the cost for Amica car insurance coverage will depend on many factors. If you choose less coverage on your vehicle, you can expect to pay less for your insurance. But it’s a good idea to purchase enough coverage to be safe and comfortable on the road.

Frequently Asked Questions

Is Amica expensive?

Auto insurance with Amica is often affordable, though rates may be higher than those of other insurance companies.

Is Amica better than GEICO?

The answer to this question depends on your needs. Amica offers excellent customer satisfaction and several options for discounts and add-ons to customize your auto insurance policy. If these things are important to you, you may find that Amica is better than GEICO.

Is Amica worth the money?

If you can afford to pay for an Amica auto insurance policy, the policy will likely be worth the money. Between the coverage options, customer satisfaction, and exceptional financial strength rating, you’ll be happy to depend on Amica if you need to file a claim.

Who owns Amica?

Amica Mutual Insurance company is its own entity, offering several types of insurance products, including auto insurance. 

What does Amica stand for?

Amica stands for Automobile Mutual Insurance Company of America

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →

Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

Reviews
for Amica Mutual Insurance Company

4.22 (767 reviews)
1
January 11, 2022

Rnbowens_

Discussed and Hurt

We have been a loyal customer of Amica auto insurance for at least 13 yrs. Our First and only claim happened in Dec 2021. The accident happened out of state so we are made arrangements to get our personal belongings ($1800+). And some sentimental items out of the vehicle. On at least 3 separate calls the Amica representatives told my wife not to go because of the distance and they will send a Rep to the vehicle and everything in the trunk and ins...
We have been a loyal customer of Amica auto insurance for at least 13 yrs. Our First and only claim happened in Dec 2021. The accident happened out of state so we are made arrangements to get our personal belongings ($1800+). And some sentimental items out of the vehicle. On at least 3 separate calls the Amica representatives told my wife not to go because of the distance and they will send a Rep to the vehicle and everything in the trunk and inside the vehicle will be placed in boxes and mailed to us. They assured us that they have done this for customers for years and we had nothing to worry about and we will be getting our belongings. Well one month later we got an envelope with 5 minor items. We have been lied to over and over and have taken another major lost. We are beyond discussed and hurt.
1
October 1, 2021

ACustomer

Reprehensible, criminal practices

This company’s business practices are beyond reprehensible and criminal. My husband, having been a loyal customer, for much over a decade, with both cars and home ensured by Amica, called to understand what it might cost in the future, if he were to insure his teenage boy, once he gets a license. We knew the child may be insured through either one of the parents, and we didn’t decide at this point in time how we would want to proceed. The cu...
This company’s business practices are beyond reprehensible and criminal. My husband, having been a loyal customer, for much over a decade, with both cars and home ensured by Amica, called to understand what it might cost in the future, if he were to insure his teenage boy, once he gets a license. We knew the child may be insured through either one of the parents, and we didn’t decide at this point in time how we would want to proceed. The customer rep, without prior notice, proceeded to ask some information about the child, then quoted 3000 dollars for the yearly insurance. He then proceeded to tell us that once the child gets a license, he will be automatically added to the insurance policy, without prior consent from the policy owner. We explain that we explicitly prohibit him from adding the child to the policy, since there will be other ways we are looking at ensuring him. The clerk proceeded to tell us that there was nothing we could do about this, and that we will be charged and the child will automatically be put on the existing policy - since the clerk was able to get a hold of identification information for the child, from us. Of course my husband lost it. And the clerk simply hang up. Needless to say, they are now losing our business, and hopefully additional business in the future. I don’t know in what world, an organization is legally able to force someone to pay 3000 dollars for services they refuse to buy from them, while also stripping them of any human dignity, by telling them there’s nothing they could do about it. The call was recorded. This has got to make a great case for litigation.
2
August 9, 2021

Dale549

Don't trust Amica to give you good rates.

In Nov. of 2020 I received a notice of cancellation on my Home Owners and Umbrella policy. Both these policies were on auto pay from a bank that I have had an account with for more than 30 years. The account never has a balance less than $70,000. To date Amica has not been able to explain how this happened. In July of this year I decided I had better make a complete review of all my accounts to see what what going on. I found that my new Jee...
In Nov. of 2020 I received a notice of cancellation on my Home Owners and Umbrella policy. Both these policies were on auto pay from a bank that I have had an account with for more than 30 years. The account never has a balance less than $70,000. To date Amica has not been able to explain how this happened. In July of this year I decided I had better make a complete review of all my accounts to see what what going on. I found that my new Jeep was showing a load from some outfit in NC. I live in KS and purchased and paid cash for the vehicle. Again no explanation from the agent as to how this happened. I also found that when Amica changed their policies from 12 months to 6 months they increased the premium on one of my vehicles 54%. Since the other vehicle was new I could not make a direct comparison but noticed that it was 16% higher than what I was paying for the 3 vehicles previously on the policy plus that was with 3 drivers on the policy. All conversations with the agent about these issues net no explanation as to why these this were happening. Brief shopping around with other reputable insurance companies resulted in annual policy savings in the $3,000 and $4,000 range. I would not consider Amica to be a reputable insurance company an proves the point that you should check rates with other companies regularly. You can't trust any of them, let alone Amica.
5
January 5, 2021

dreammmm123

great service

They were the best price by far but also the most comprehensive. The coverage was better at a lower rate. The agents were wonderfully personal and responsive.
3
January 2, 2021

Jacjyyyyyy

positive stuff

nothing out of the ordinary just the usual stuff but I would recommend them anyway because I kinda liked them
4
December 16, 2020

KDPlazed123

Review of Amica

The overall customer experience with the insurance has been fantastic overall, as I was able to come my claims and issues with the my vehicle.
5
October 17, 2020

Basketref

Great Company

Awesome company, great prices, and customer service are great. I have always received great service and the people are very friendly and understand me all the time.
5
October 4, 2020

shanjoybud

Amica is a great company...

I have had only great experiences with Amica. Their customer service was excellent and they helped me right away after I had my car accident, giving me a rental car without question of fault. Very affordable, even for full coverage. They've been an awesome insurance company to have for my vehicle, and as soon as I start driving again, I'll be sure to call them first!
5
October 2, 2020

loochiesimba

customer service

great customer serice and easy to work with. Talked to someone over the phone and they couldn't be more knowledgable or friendly
5
July 17, 2020

lguluv3eb

Perfect customer service and fair prices

All policies that I own, home and auto, are from Amica. They came recommended to me by my parents, grandparents, and aunts/uncles alike. Literally, my entire extended family adores Amica--and I can see why. What other insurance company is so memorable that they become a conversation topic at every Thanksgiving dinner. Shouts of "Can you believe they helped me handle {XYZ]" or "They made it possible for me to fix my entire bathroom!" Absolutely p...
All policies that I own, home and auto, are from Amica. They came recommended to me by my parents, grandparents, and aunts/uncles alike. Literally, my entire extended family adores Amica--and I can see why. What other insurance company is so memorable that they become a conversation topic at every Thanksgiving dinner. Shouts of "Can you believe they helped me handle {XYZ]" or "They made it possible for me to fix my entire bathroom!" Absolutely perfect customer service (friendly and responsive) and very fast claims processing. When the COVID pandemic hit, they proactively refunded me several months' worth of car premums, too.
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