Amica Auto Insurance Review

With impressive customer service and claims satisfaction ratings and a range of options for auto coverage, it’s no wonder that Amica customers are some of the happiest out there.



Amica offers top-of-the-line service. It was ranked the highest-scoring auto insurer by Consumer Reports readers and beat out all but one of its competitors on the J.D. Power 2018 U.S. Auto Claims Satisfaction Study.

Amica offers all the standard coverage options the average driver might want, along with some standout features, like free repairs of deployed airbags and free lock replacement if you lose your keys.There’s also its Platinum Choice Auto package, which allows drivers to add even more speciality coverage options, like identity fraud monitoring (definitely not industry standard among auto insurers), full auto-glass coverage with no deductible, and “prestige rental coverage,” which gives drivers more flexibility in choosing a replacement rental car in case theirs is in the shop.

The downside to Amica’s excellent service is that it comes with a price — Amica’s prices are generally above industry standard, so if cost is your No. 1 priority, then it may not be the insurer for you. Amica is also exceptionally picky when it comes to drivers; they won’t insure just anyone. They’re also growing rapidly as a company, and with rapid growth comes growing pains, so its excellent service may have slipped slightly in recent years — although it’s still a cut above the rest of the pack.


  • Top-rated customer service and claims satisfaction
  • Premium coverage available
  • Quick response times from agents


  • Can be picky when it comes to customers
  • Pricier than competitors
  • Not available in Hawaii

By The Numbers

Founded: 1907

Market Share: N/A

A.M. Best rating: A+ (Superior)

Better Business Bureau rating: A+

Consumer Reports rating: 96

J.D. Power Claims Satisfaction rating: 887

Which states is Amica car insurance available in?

Amica car insurance is available in every state, and the District of Columbia, with the exception of Hawaii, where it is not available.


ArkansasNew Hampshire
CaliforniaNew Jersey
ColoradoNew Mexico
ConnecticutNew York
DelawareNorth Carolina
FloridaNorth Dakota
Hawaii Oklahoma
IndianaRhode Island
IowaSouth Carolina
KansasSouth Dakota
MinnesotaWashington D.C.
MississippiWest Virginia

Policy Details

As a top-rated car insurance company, Amica offers all the standard coverage most drivers will need. You can choose to manually add on any extra coverage options (like coverage for all auto-glass repairs or roadside assistance), or you can opt for Amica’s Platinum Choice Auto coverage, which packages extra coverage options together.

Standard coverage options

  • Liability protection - Basically the cornerstone of most auto policies, liability coverage protects you from the associated costs if you damage someone else’s car or property or injure someone in an accident.

  • Personal injury protection - Covers medical expenses, lost wages and other expenses if you or your passengers are injured in a car accident.

  • Uninsured/underinsured motorist coverage - Covers the costs incurred by an accident with a driver who either doesn’t have insurance or whose insurance doesn’t cover the full costs of the damage they cause, or protects you in case of a hit-and-run.

  • Collision coverage - Covers damage to your car after an accident.

  • Comprehensive coverage - Sometimes called “other than collision,” this covers damage to your car that happens when it’s not being driven, like damage from vandalism, extreme weather, fire or theft.

Additional coverage and features

  • Full glass coverage - Auto-glass repairs are a part of comprehensive coverage, but additional glass coverage allows you to get your glass repaired or replaced without having to pay a deductible.

  • Lock replacement for lost keys - Amica will pay to replace your car’s lock if you lose your car keys.

  • Free repair of a deployed airbag - If an airbag in your car deploys, Amica will pay to have it repaired.

How much does Amica cost?

The cost of car insurance varies widely, and is based on individual factors like a driver’s credit score, address, driving history, age, and the make and model of their car. So it’s hard to estimate how much an Amica policy would cost any given driver. But let’s take a look at a sample Amica policy to get a sense of how much some drivers might pay.

An Amica policy for a single driver in Arizona with one car, a 2016 Honda Civic, came out to $2,050 for a 12-month premium. Compare that to the average annual auto insurance premium in Arizona in 2015, which was $972.85.

Basic CoveragesPolicy Limits
Bodily injury liability$50,000 each person, $100,000 each accident
Property damage liability$50,000 each accident
Uninsured/underinsured motorists bodily injury liability$50,000 each person, $100,000 each accident
Comprehensive$500 deductible
Collision$500 deductible
Rental car reimbursement$20 a day, $600 maximum payout

Total annual premium = $2,050


While Amica offers some industry-standard discounts, it doesn’t have the array of possible discounts that some of its competitors can offer. If you’re looking for the cheapest possible insurance, Amica probably isn’t right for you.

But if you’re willing to pay a little more for highly rated service, Amica gives you a few ways to save, like a legacy discount for drivers under age 30 whose parents have had an Amica policy for more than five years, or discounts of up to 25% if you insure two or more vehicles with Amica. There are also discounts for owning a home, even if it’s not insured with Amica, discounts for staying claim-free for three years, and discounts for paying your full premium before the due date on your first bill.

Company details

Application process

The Amica website may not be the sleekest in the game, but it’s straightforward and fairly easy to use, and the online quote tool successfully gave us a quote in a manner of minutes. You can also get a quote by calling an Amica agent directly.

Claims process

The claims process is where Amica really shines. It boasts extremely high claims satisfaction from independent reviewers like J.D. Power and Consumer Reports. In fact, Amica came out on top on Consumer Reports’ list of car insurance providers, earning stellar scores for things like ease of reaching an agent, damage amount, and being kept informed of claims status. When you file a claim with Amica, you can generally expect the process to be smooth, and many drivers wind up with a payout that’s even more than they expected.

Other types of insurance offered

  • Motorcycle insurance - Insurance for your supercharged bike

  • Home insurance - Insurance for your domicile

  • Condo insurance - For condo dwellers, insurance for everything your condo association’s master policy doesn’t already cover

  • Marine insurance - Insurance for your boat or yacht

  • Wedding and event insurance - Insurance to cover your big day in case it’s affected by weather, flaky vendors or accidents

  • Renters insurance - Insurance to protect all your stuff inside of (and outside of) your rental unit

Digital tools

  • Online quote tool

  • Online bill paying and claim reporting

  • An Amica mobile app that lets you pay bills, access roadside assistance, and check your policy details on your phone

Contact info


Phone: (800) 242-6422

Headquarters: 100 Amica Way, Lincoln, RI, 02865

Like several other major car insurance carriers, Amica doesn’t sell policies through independent agents, meaning the only way to buy Amica car insurance is directly from Amica. Work with an independent broker at Policygenius to compare quotes from top carriers and get the best rates.

Compare Amica to other top carriers

Policygenius’ editorial content is not written by an insurance agent. It’s intended for informational purposes and should not be considered legal or financial advice. The review on this page is only for the carrier’s car insurance products. Not all carriers are currently available through Policygenius. Speak to one of our licensed experts for more information on carrier availability.