4.2 / 5

Amica Auto Insurance Review

Amica auto insurance, while expensive, is a great option for shoppers interested in top-of-the-line service.

Tim Torres


Tim Torres

Tim Torres

Reviews Editor

Tim Torres is a former reviews editor at Policygenius, where he specialized in life insurance, homeowners insurance, auto insurance, and more. His work has also appeared in PC Mag, Tom's Guide, Tech Times, and elsewhere.

Published|8 min read

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    Top-rated customer service and claims satisfaction

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    Premium coverage available

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    Variety of unique perks and features

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    Quick response times from agents


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    Pricier than competitors

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    Can be picky when it comes to customers

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    Not available in Hawaii


Consistently ranked the highest-scoring auto insurer by multiple industry experts and customers, Amica offers top-of-the-line service, superior claims satisfaction, all the standard coverage options the average driver could want, and standout features like free lock replacement and a variety of specialty add-ons. But you’ve got to pay a bigger price for it.


Average annual premium cost for auto insurance coverage and number of discounts available.



Financial ratings from credit rating agencies.


Customer Ratings

Satisfaction from consumer sentiment institutions and complaints to state insurance boards.


Policy Options

Both the quality and number of coverage options, like unique auto insurance product features and availability of certain perks and benefits.


Customer Experience

Ease of use, convenience, availability, points of contact, payment options, and claims ratings.


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The Details

The Good

Top-rated customer service and claims satisfaction. Amica enjoys a sterling reputation among customers and industry ratings firms. Amica’s prices may be higher than the rest, but that’s because its customer service, which can include glass repairs and superb claims handling, is unrivaled.

Premium coverage available. Amica offers coverage for bodily injury, funeral expenses, lost wages, medical expenses, property damage, theft, and even coverage for the underinsured or uninsured. Amica also sells a range of other property insurance products, including home, marine, motorcycle, and more.

Variety of unique services and perks. Amica will replace your locks in case you lose your keys, repair damaged auto glass, and even reimburse lost wages if you have to appear in court. Not many other insurers provide these kinds of perks.

Quick response times from agents. You’ll see a lot of mention about Amica’s customer service in this review. For good reason: They’re quick, knowledgeable, and eager to make sure your auto insurance needs are taken care of.

The Bad

Pricier than competitors. With great customer service, fast response time, and excellent coverage options, comes great expensiveness.

Can be picky when it comes to customers. Drivers with a history of collision, violations, or poor credit may not be offered a policy with Amica. If you have a spotty record, you’ll want to consider a bigger carrier instead.

Not available in Hawaii. Amica is available in 49 states, including the District of Columbia. But not the island state in the Pacific. Sorry, Hawaii residents, but you’ll have to look for another auto insurance company.

The Breakdown


Average annual premium cost for auto insurance coverage and number of discounts available.


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 Minnesota with one car, a 2014 Toyota Camry, came out to $205 for a 6-month, $1,233 premium — or $2,466 for one whole year. Compare that to the average annual auto insurance premium in Minnesota in 2015, which was $875.49. That’s quite the difference.

Here are the coverage limits and deductible amounts from our sample:

Basic Coverages

Policy Limits

Bodily injury liability

$50,000 each person, $100,000 each accident

Property damage liability

$50,000 each accident

Personal injury protection

$40,000 each person

Uninsured motorists bodily injury

$50,000 each person, $100,000 each accident


$1,000 deductible


$1,000 deductible

Rates current as of March 2020. The above numbers are based on a sample profile. Rates will vary for each applicant based on location, driving history, vehicle, number of people included on the policy, and other factors.

So, yes, Amica is more expensive than the average car insurer. 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 percent 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.

Here’s a few more:

  • Anti-theft discount. When your vehicle has an approved anti-theft device (such as a car alarm) installed.

  • AutoPay discount. When you set your insurance payments to automatically pay.

  • E-discount. When you opt-in to electronically receive billing and policy information.

  • Restraint system discount. When your vehicle is equipped with automatic restraints such as airbags.

Amica customers may also be eligible for plenty more discounts not listed or mentioned here.

However, it’s important to note, like with most insurers, these kinds of discounts can change and vary by state, and eligibility may depend on your driving record or other information.

And while Amica provides a decent amount of worthwhile discounts, it can’t offer as many as larger insurers. For example, companies like Geico, State Farm, and Progressive all have an app that tracks your driving and rewards safe driving with a discount. Amica doesn’t provide that.

Rather, you’re going to get best-in-class customer service, claims handling, and a reputation the larger carriers would go green with envy for.


Financial ratings from credit rating agencies.


There’s nothing to worry about when it comes to Amica’s financial strength. The company, which has been around for over a century, currently enjoys strong ratings from industry experts and financial institutions, so expect it to be around for a while to pay off your claims.

  • Year founded: 1907

  • A.M. Best: A+

  • Moody’s: N/A

  • Standard & Poor’s: N/A

Though Amica has not been rated by Standard & Poor’s or Moody’s, it is rated A+ by the reliable credit-rating agency A.M. Best (effective March 10, 2020). Unlike S&P and Moody’s, A.M. Best’s focus is primarily the insurance space. A good score from them means a carrier is able to fulfill their financial obligation to you when it’s claim-filing time. In other words, you’re in good hands with Amica.

Customer Ratings

Satisfaction from consumer sentiment institutions and complaints to state insurance boards.


And what do customers think? As you might’ve noticed by now, Amica is a customer favorite, with high marks from the Better Business Bureau, Consumers Advocate, and Consumer Reports.

Here’s the ratings breakdown:

  • Better Business Bureau: A+

  • Consumers Advocate: 4.7 / 5

  • Consumer Affairs: 1.5 / 5

  • Consumer Reports: 89 / 100

  • J.D. Power: 5 / 5

  • NAIC complaint index: 1.36

The Better Business Bureau ranks companies based on a wide variety of critera, including company advertising and customer experience. Customers can submit ratings to the BBB, but these scores are usually not counted in their rating. The A+ rating clashes with the customer review score a bit, which sits at 2.5 out of 5 stars out of 55 submissions. Sounds worrisome, but that’s a low number of user submissions with negative experiences.

Consumers Advocate rates companies based on company reputation, policy features, and stability. They give Amica a near-perfect score.

Consumer Affairs is a review platform that lets customers directly rate companies. Common complaints mention sudden rate increases and a lack of local agents. You’ll notice this low score is the obvious exception to Amica's high marks.

But that last bit about local agents is true — Amica operates primarily online, with physical locations few and far between. You may get lucky since there are some physical offices out there, otherwise you’ll find arranging face-to-face meetings to be pretty difficult. You’re better off picking up the phone or using Amica’s website.

Readers of Consumer Reports, the reputable consumer insights group, also rate Amica highly, and even included the carrier in a few of their “Best Of” buying guides.

J.D. Power provides studies that rate insurance companies based on policy offerings, price, and the clarity of billing and policy information. Based on their 2019 U.S. Auto Claims Satisfaction Study, which collected responses from over 11,000 auto insurance customers, Amica sits at the top of the list with the highest ranking in overall customer satisfaction.

The National Association of Insurance Commissioners, a regulatory organization that tracks complaints submitted to state insurance departments, notes a score of 1.36. A score of 1 represents the baseline average, and a zero means there weren’t enough complaints from customers to count. With that in mind, Amica barely has more complaints than the average. It’s also worth noting this score lumps together Amica’s other insurance offerings, including home, life, marine, and renters — not just auto.

Policy Options

Both the quality and number of coverage options, like unique auto insurance product features and availability of certain perks and benefits.


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 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

Customers will get the standard coverage that every driver should need, including:

  • 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 sustained 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. It can also protect 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 perks and features

In addition to standard coverage, Amica offers a variety of perks you won’t find with other insurers.

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

  • 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.

  • No depreciation for total loss of new vehicle. If you totally ruin your car in the first year of ownership, Amica won’t take depreciation into account. This is not available in every state.

  • Lost wage reimbursement. Don’t fret too much if Amica requests you go to court — your work wages will be compensated.

  • Repair assistance. Amica will connect you to appraisers and affiliated auto repair shops, which can potentially include OEM (Original Equipment Manufacturer) parts.

  • Bail bonds. $1000 to post bail, should you need it.

There’s also Amica’s Platinum Choice Auto. This allows drivers to add even more speciality coverage options, like accident forgiveness, 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. You can also earn “advantage points,” which can go towards reducing your deductible, for completing a year of safe driving.

Other types of insurance offered

Besides auto, here are some other insurance products Amica offers. As with other major insurance companies, drivers can save by bundling their auto coverage with another insurance product from Amica.

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

  • Flood insurance. If you live in areas prone to excessive water build-up, this is to cover damage to your home, property, and personal possessions.

  • Home insurance. Insurance for your humble domicile.

  • Marine insurance. Insurance for your fancy boat or yacht.

  • Motorcycle insurance. Insurance for your supercharged bike.

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

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

Amica also has annuities and traditional IRA packages for retirement, as well as general liability insurance for small businesses.

Customer Experience

Ease of use, convenience, availability, points of contact, payment options, and claims ratings.


Amica’s website is easily navigable. All the necessary information you could want is clearly laid out, explained, and available. There are separate phone numbers for reporting and tracking claims, roadside assistance, billing and payments, and general queries. There’s also a mobile app, and multiple, if sparse, office locations around the country. In our experience, customer service representatives on the phone have been quick to pick up (no wait time!) and knowledgeable about company policies, perks, and plans.

State availability

Amica can be found in every state, including the District of Columbia, except Hawaii. Amica just couldn't make it that far out.

Application process

The Amica website is straightforward and easy to use, with a comprehensive online quote tool that successfully gave us our sample quote in a manner of minutes. You can also get a quote by calling an Amica agent directly.

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.

Payment methods

Amica customers can pay their bills in a variety of ways, including:

  • Amica mobile app

  • Over the phone or by mail

  • Work account or credit card

  • Electronic funds transfer (EFT) from checking or savings accounts

  • Visa, MasterCard, Discover, and American Express credit and debit cards

  • Autopay feature from a checking or savings account or credit card (which gets you a discount)

Digital tools

Besides the online quote tool, there’s an Amica mobile app that lets users access roadside assistance, check policy details, report and track claims, and pay bills on the phone. Users can also upload photos and contact Amica service via the app.

Claims process

Amica is known for its painless claim procedures. In fact, it’s rated highly by industry reviewers Consumer Reports and J.D. Power, earning stellar scores for quick responses from agents, damage amount, and keeping customers informed of claims status.

Amica customers have also reported to be satisfied with a generally smooth customer service and higher payouts than they expected.

Contact info

  • Website: www.amica.com

  • Phone: (800) 242-6422

  • Headquarters: 100 Amica Way, Lincoln, RI, 02865

Policygenius offers insurance policies from many of the nation's top insurers, who pay us a commission for our services. However, all editorial choices are made independently.


Reviews Editor

Tim Torres

Reviews Editor

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Tim Torres is a former reviews editor at Policygenius, where he specialized in life insurance, homeowners insurance, auto insurance, and more. His work has also appeared in PC Mag, Tom's Guide, Tech Times, and elsewhere.

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