Amica has great customer service and cheaper-than-average rates for drivers with clean records. It’s one of the best companies that we’ve reviewed.
Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Anna SwartzAnna SwartzSenior Managing Editor & Auto Insurance ExpertAnna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Our proprietary ratings methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the “Ratings methodology” section for more details.
AM Best rating
A.M. Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).
Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).
The bottom line
The number one reason to choose Amica as your car insurance company is its top-tier customer service. Amica receives fewer complaints than average from policyholders.
Amica also offers a wide range of car insurance coverage options to choose from, including gap insurance. Drivers can also get Amica’s Platinum Choice Auto package, which combines full glass coverage, new car replacement coverage, and top-tier rental car reimbursement.
Amica isn’t the cheapest car insurance company around, especially for drivers who have been in an accident, gotten a DUI, or have another driving violation on their records, but it has lower-than-average rates for drivers with a clean record.
Outstanding customer service
Wide range of coverage options, including a premium tier
Affordable rates for good drivers
Can be pricey for drivers with spotty records
Basic coverages offered
Amica offers all the standard types of car insurance coverage that most people need. Since each state has different car insurance requirements, the coverage that Amica offers in your area may depend on where you live, but the basics include:
Personal injury protection: Covers the cost of injuries to you and your passengers after an accident, as well as lost wages, and even funeral expenses, regardless of fault (PIP is required in no-fault states).
Medical payments: Covers the costs if you and your passengers if you’re injured in an accident, usually up to a lower limit than PIP.
Additional coverages offered
Amica also offers a wide range of car insurance endorsements, meaning extra coverage types you can add to your policy. Those include:
Gap coverage: Called auto loan/lease coverage on the Amica website, this pays the difference between the remainder of your car’s loan or lease and the insurance payout you receive after an accident.
Full glass coverage: Waives your deductible when you file a claim to repair or replace a broken windshield or windows.
New car replacement coverage: Reimburses you for the cost of a new car if your vehicle is totaled (your car must be newer than one model year old with fewer than 15,000 miles).
Rental reimbursement coverage: Covers the cost of a rental car, rideshare, taxi, train, or other form of transportation after your car is damaged in a covered incident.
Amica also offers a premium coverage package that combines a group of top-tier car insurance coverages, including full glass repair, new car replacement coverage, up to $5,000 in rental car reimbursement coverage, and credit monitoring services. You can add any one of these coverages without enrolling in the premium package, too.
We compared the cost of car insurance from Amica with its competitors by calculating the average rate for a 30-year-old driver across all ZIP codes in every state, including the District of Columbia. We found that the cost of car insurance from Amica is $5 cheaper per month than the national average.
We found how Amica’s customer service compares to other car insurance companies using the 2022 J.D. Power Auto Claims Satisfaction Study and Digital Experience study. Amica received a score of 903 for claims satisfaction (much higher than average), and 702 for digital experience, which is below the average of 705. Amica also receives fewer complaints than average from its policyholders, according to the National Association of Insurance Commissioners.
We judged how Amica’s coverage offerings compare to competitors by tallying the total number of types of car insurance coverage available at each company. We gave Amica points for every type of car insurance it offers, and weighed its company's score relative to its competitors. We found that Amica offers more car insurance coverages than competitors.
We scored Amica’s financial strength — its ability to pay claims to policyholders after a loss and long term stability — using ratings from A.M. Best. Amica earned a rating of A+ from A.M. Best, but was not rated by Moody’s or S&P.
Cost of Amica car insurance
The average cost of Amica car insurance is $131 per month. At $1,574 per year for a full-coverage policy, Amica’s car insurance is $64 per year cheaper than the national average.
Average annual rate for Amica
Required state minimum
Full coverage ($50,000/$100,000)
Full coverage ($100,000/$300,000)
Although Amica isn't the cheapest auto insurance company, it's still an affordable option as long as you have a clean record. But for high risk drivers, Amica is one of the more expensive options.
Amica car insurance discounts
Amica doesn't have the cheapest rates for car insurance, but drivers can save more by qualifying for available insurance discounts, which include:
Automatic payment discount: Receive a discount when you have your car insurance premiums automatically deducted from your credit card or bank account.
Bundling discount: Amica offers a 30% discount to drivers who also get a homeowners, condo, renters, life, or umbrella insurance policy.
Continuous coverage discount: Drivers get a discount for having at least two years of continuous car insurance coverage with no lapses, even if they switched to Amica from another company..
Safe-vehicle discounts: Receive a discount if your car has tech like a collision-warning or accident-avoidance system, or adaptive headlights.
Secure vehicle discount: Amica offers a discount to drivers whose car has anti-theft technology.
Amica also offers a few discounts specifically for young drivers, whose rates are often expensive thanks to their inexperience. Teens and young adults who are insured with Amica should ask about special discounts, including:
Good student discount: Drivers ages 15 to 25 can get a discount by getting at least a “B” GPA in high school or college (if they’re full time students).
Legacy insured discount: Young drivers whose parents have had an Amica policy for at least 5 years can qualify for this discount when they buy their own policy.
Young driver training discount: Drivers under 21 can get a discount for completing a special driving safety and training class.
Where is Amica car insurance available?
Amica car insurance is available in every state except for Hawaii. Amica is most popular in New England, according to NAIC data. It's a great option in states like Massachusetts and Rhode Island where other large companies (like State Farm) don't offer coverage.
What to expect with Amica insurance
How to get a quote: Amica offers quotes online, over the phone, or in person from an Amica agent.
Customer service options: Amica has a mobile app that customers can use to manage their policies, pay bills, and file a claim. You can also contact Amica by phone at 800-242-6422.
How to file a claim: Amica accepts claims online, through the mobile app, and over the phone.
How to cancel your policy: Amica customers can cancel their car insurance policy over the phone by calling the main customer service number, which is 800-242-6422.
Amica is one of the best insurance companies when it comes to customer service. Amica also offers a range of useful add-ons and discounts that policyholders can use to customize their policy. While Amica’s rates aren't the cheapest, the company is still more affordable than average.
Is Amica good at paying claims?
Amica has received consistently excellent claims satisfaction ratings from its policyholders according to J.D. Power, which means real Amica customers are happy with both the claims process and the amount of their final settlements.
What does insurance cost at Amica?
The average cost of car insurance from Amica is $131 per month. That's slightly cheaper than the national average, which is $136 per month. Amica's rates aren’t the cheapest, but its excellent customer service might make the cost worth it.
Who can get Amica car insurance?
Almost anyone can get coverage from Amica. While Amica may not offer coverage to certain high-risk drivers, it's available in every state except for Hawaii.
Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.