Amica Auto Insurance Review (2024)

What You Should Know About Amica Mutual Insurance Company

Amica auto 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 auto 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 for Amica auto insurance online, including our Amica insurance review below.

You might be wondering, “Is Amica a good insurance company?” In the next section, you can check out Amica insurance reviews from customers.

Amica Car Insurance Reviews From Customers

Customer reviews of Amica coverage are generally positive. Amica auto insurance reviews on Reddit show that many users believe the Amica insurance company is a trusted provider with good claims handling. In addition, Amica auto insurance reviews with Consumer Reports show customers are satisfied with their coverage.

On the other hand, Amica insurance reviews with BBB (Better Business Bureau) are poor, averaging 1.27 stars out of 5, though there are only 74 customer reviews. Most Amica complaints on the BBB website cite poor Amica insurance customer service and raising rates for no reason.

Amica Mutual Insurance Company Insurance 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:

• Personal Injury Protection (PIP)
• Bodily Injury Liability 
• Property Damage Liability
• Uninsured Motorist Coverage
• Underinsured Motorist Coverage
• Medical Payments (MedPay)
• Collision Insurance
• Comprehensive Insurance
• Gap Insurance
• Full Glass Coverage
• Roadside Assistance Plans
• Rental Car Reimbursement
• Accident Forgiveness

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.

You can also get other insurance products with the company, such as Amica life insurance or home insurance. However, it’s critical to check out Amica life insurance reviews and Amica homeowners insurance reviews before deciding on either coverage.

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. Keep reading our Amica review to compare its rates against top competitors, such as Amica vs Geico.

Amica Mutual Insurance Company Insurance Rates Breakdown

Your driving record, age, gender, marital status, and the type of auto insurance coverage you need significantly impact your Amica auto insurance rates. 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, such as Farmers vs. Amica. 

Here is how Amica’s rates compare with the same competitors, such as Amica vs. State Farm, for minimum coverage auto insurance.

You can see that Amica rates are, on average, near the top of the list in terms of cost. However, if you’re wanting to compare rates with a company not listed above, such as Mercury vs. Amica, you should get a quote from both companies.

Amica Auto 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.

Here is how much auto insurance for drivers with DUIs costs with Amica compared to other national companies.

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 Auto Insurance Rates Based on Age

Auto insurance for teens comes with the highest rates. 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 auto insurance.

It’s a good idea to get an Amica auto insurance quote rather than relying on national averages to get a more accurate rate on car insurance.

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
• Homeownership
• Multi-car
• Good student
• Student away at school
• Accident-free
• Defensive driver training
• Anti-theft
• Electronic stability control
• Passive restraints
• Forward-collision warning
• Adaptive headlights
• Paid-in-full
• AutoPay
• Paperless

Amica car insurance 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 car insurance phone number and speak with a representative in your area to see how much you could save on coverage.

Ready to get an Amica quote? Simply insert your ZIP code into our free quote comparison tool below to see how Geico vs. Amica rates compare.