Amica Auto Insurance Review (2020)

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 18, 2021

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Company Details
Address: 100 Amica Way
City: Lincoln
State: RI
ZIP Code: 02865-1167
AM Best Rating: A++
Company Rating 0 (0 reviews)

An Amica auto insurance review turns up a company which opened its doors over 100 years ago in Providence, RI. Consumers recognized the company as The Automobile Mutual Insurance Company of America at that time. Fire and theft insurance was also offered at that time. On January 1, 1973, The Automobile Mutual and Factory Mutual Liability Insurance Companies merged and became Amica Mutual Insurance Company.

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A. T. Vigneron, the company’s founder lead the business in a positive direction, and opened its first branch in Boston in 1941. This business has come a long way since then while writing numerous policies along the way. Amica eventually began offering homeowners, marine, and personal excess liability to their list of services. To date Amica operates 40 branch offices throughout the country.

Its policyholders, rather than stockholders, with CEO Robert A. DiMuccio currently at the helm, own this company. The number of employees grew to over 3,200 over the years while the Providence office was moved to Lincoln, RI to accommodate the expansion in 1994. To date the company has earned several accolades and an A++ rating from the insurance rater A.M. Best.

Amica Auto Insurance Plans

Rhode Island auto insurance minimum coverage is $25,000 for bodily injury of an individual, $50,000 for all bodily injuries in one accident occurrence, and $25,000 for damage to property. Although this is the minimum requirement, there are instances where potential policyholders might consider raising these amounts. Many people make the decision to raise comprehensive and collision amounts instead.

Of course, you need to obtain coverage based on the auto insurance laws in your state. If Amica provides coverage where you live, a company representative will give you that information.

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Filing Amica Auto Insurance Claims

When there is an accident, filing an insurance claim is simple. Amica makes it convenient for policyholders to submit online claims for faster processing. The option of mailing is still available for those who like doing it the old way. Once your claim is received, the process is as fast as submitting it online.

The fastest way to receive a check for repairs and damages is to make sure you submit all the necessary documentation as soon as possible. You can even track your auto insurance claim on the company website to get a status report. This will insure that your claim is being handled efficiently.

The latest technology allows you to download an Amica mobile application. You can file your claim, track it and set up car maintenance reminders. This application is available on all the popular smartphones. Whether you have a Blackberry, Android or iPhone, this convenience is invaluable.

This new application will allow you to access roadside assistance, maintenance and repair shops, as well as your Amica insurance representative. Most people would identify the representative as an insurance agent, but this company uses in-house representatives to address your personal needs as opposed to a liaison. If you do not have a Smartphone, an email or note through the mail will suffice.

Amica Auto Insurance Quotes

One of the first steps to acquiring Amica auto insurance is to obtain a quote from one of the company representatives. Once you enter your zip code or enter your state on the company website, you will be prompted to answer a few simple questions. You will receive plan options and recommendations to meet your specific needs.

Customization is encouraged to save you money by eliminating unnecessary coverage. In addition, the representative will even ask prequalification questions to determine if you are eligible for driver discounts. The overall objective of Amica’s representatives is to make your coverage affordable.

Amica Auto Insurance Careers

This insurer is open to accepting new talent to the Amica team. The website maintains a current list of job opportunities. The site enables you to initiate the employment process online.

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Amica Auto Insurance Accolades

This company was awarded “Highest Customer Satisfaction Among National Auto Insurers” by J.D. Powers and Associates for the past eleven years. The Providence Business News also awarded the “Best Places to Work in Rhode Island” it in 2010 for the past couple of years. The “Ward’s 50” list for safety, consistency, and performance recognized the company as a “top performer” in property and casualty in addition to life and health in 2010 as well.

In collaboration with the Rhode Island Department of Transportation, Amica Mutual Insurance Company was responsible for changing the blood alcohol limit in the state from .08. They received the NCADD, education and prevention award as a result. To reciprocate the fruits of their success, Amica participates in numerous volunteer efforts and charitable organization with donations through the Amica Companies Foundation, The Citizenship Grant Program, and Amica Gives Program.

Amica Mutual Insurance Reviews

It becomes increasing difficult to satisfy a large percentage of customers and policyholders as a company of this magnitude grow and diversify. As it grows, expectations and responsibility to the public grows as well. One of the risks of expansion is the increasing amount of scrutiny and bad experiences among consumers.

Amica auto insurance reviews are plentiful to say the least. Unfortunately, it is common for people to be more passionate about a bad experience rather than a pleasant one. Therefore, auto insurer review sites have a surplus of complaints against Amica. Many of the complaints relate to an increase of premiums after the policy was initiated in addition to increases for policyholders with no claim filings.

Positive reviews must be earned by any business, and Amica is no exception. When a company receives a positive review, it is indicative of exceptional service. Although there are several reviewers that accuse Amica of refusing to pay when claims are filed, there are quite a few who would not do business with any other insurer.

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