Amica Auto Insurance Review (2023)
With compelling customer reviews and an assortment of coverage options, Amica is an excellent choice for auto insurance. See how it compares to the competition.
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UPDATED: Dec 19, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Dec 19, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Amica Mutual Insurance Company
Average monthly rate for good drivers:
$177A.M. Best rating:
A+Complaint level:
LowPros
- Higher-than-average customer satisfaction
- Discounts on coverage
- Add-ons such as full glass coverage and roadside assistance
- Amica’s healthy financial strength and a positive outlook on future endeavors
Cons
- Not all coverages are available in Alaska or Hawaii
- Higher-than-average rates compared to competitors
The Bottom Line
If you’re looking for car insurance, you may want to consider Amica Mutual Insurance Company. Amica offers the coverage you need and provides additional options for safety and peace of mind. In addition, the company garners exceptional ratings and customer reviews and takes customer service extremely seriously.
Auto insurance rates with Amica may be higher than average in your area, so you should compare rates with competitors before committing to a policy with Amica.
If you’re shopping for car insurance, you’re probably interested in finding the best auto insurance companies in your area. While you’re likely familiar with companies like State Farm and GEICO, you may find the best coverage and price with a different provider.
Amica Mutual Insurance offers auto, home, and life insurance coverage throughout the U.S. The company offers competitive rates for car insurance and has a higher-than-average rating regarding customer satisfaction.
Amica offers standard auto insurance coverage options and add-ons like roadside assistance and full glass repair. However, not all coverage options are available in every state. Keep reading to learn more about Amica auto insurance before you start comparing insurance quotes from elsewhere.
Is Amica Mutual Insurance Company a Good Choice?
Amica 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 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 online. You’ll be able to see what customers say about filing car insurance claims with Amica and what happens next.
Amica Mutual Insurance Company Rates
How much is Amica’s car insurance?
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.
Insurance Company | Rates for 30 Year-old Male | Rates for 30 Year-Old Female |
---|---|---|
Allstate Rates | $176.48 | $168.42 |
Amica Rates | $176.53 | $169.12 |
Farmers Rates | $167.16 | $160.08 |
Progressive Rates | $136.05 | $130.78 |
State Farm Rates | $102.85 | $93.53 |
Travelers Rates | $107.67 | $99.18 |
Average U.S. Rates | $139.12 | $128.72 |
Get Your Rates Quote Now |
You can see that Amica rates are, on average, near the top of the list in terms of cost. But comparing average rates doesn’t help you know what to expect to pay for your car insurance coverage with Amica.
By comparison, here is how Amica’s rates compare with the same competitors for minimum coverage auto insurance.
Insurance Company | Rates for 30 Year-old Male | Rates for 30 Year-Old Female |
---|---|---|
Amica Rates | $52.94 | $50.76 |
Allstate Rates | $66.78 | $63.87 |
Farmers Rates | $63.68 | $61.09 |
Progressive Rates | $48.74 | $48.74 |
State Farm Rates | $39.39 | $35.91 |
Travelers Rates | $40.45 | $37.42 |
U.S. Average Rates | $52.66 | $48.74 |
Get Your Rates Quote Now |
Amica’s Car 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. The tables below will give you an idea of how each of these can impact your car insurance rates.
Here is how a DUI can increase your rates with Amica.
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's Car Insurance Rates Based on Age
Your driving record, age, gender, marital status, type of coverage, and your auto insurance rates will be significantly impacted. 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 drivers.
So it’s a good idea to get a quote for car insurance coverage from Amica rather than relying on national averages.
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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
- Bundling auto and more
- Homeownership
- Multi-car
- Driver’s Ed Discount
- Good student
- Student away at school
- Rewarding your parent’s loyalty
- Accident-free
- Defensive driver training
- Anti-theft
- Electronic stability control
- Passive restraints
- Forward-collision warning
- Adaptive headlights
- Paid-in-full
- AutoPay
- Paperless
Amica’s website states that specific 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 Insurance phone number and speak with a representative in your area to see how much you could save on coverage.
Amica Mutual Insurance Company 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
- Uninsured/Underinsured Property Damage
- Medical Payments (MedPay)
- Collision Insurance
- Comprehensive auto insurance
- Auto/Loan Lease Coverage
- 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.
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.
As with all insurance companies, the cost of Amica car insurance coverage will depend on many factors. If you choose less coverage on your vehicle, you can expect to pay less for your insurance. But it’s a good idea to purchase enough coverage to be safe and comfortable on the road.
Frequently Asked Questions
Is Amica expensive?
Auto insurance with Amica is often affordable, though rates may be higher than those of other insurance companies.
Is Amica better than GEICO?
The answer to this question depends on your needs. Amica offers excellent customer satisfaction and several options for discounts and add-ons to customize your auto insurance policy. If these things are important to you, you may find that Amica is better than GEICO.
Is Amica worth the money?
If you can afford to pay for an Amica auto insurance policy, the policy will likely be worth the money. Between the coverage options, customer satisfaction, and exceptional financial strength rating, you’ll be happy to depend on Amica if you need to file a claim.
Who owns Amica?
Amica Mutual Insurance company is its own entity, offering several types of insurance products, including auto insurance.
What does Amica stand for?
Amica stands for Automobile Mutual Insurance Company of America
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
mandafae
Good coverage, bad customer service
Rnbowens_
Discussed and Hurt
ACustomer
Reprehensible, criminal practices
Dale549
Don't trust Amica to give you good rates.
dreammmm123
great service
Jacjyyyyyy
positive stuff
KDPlazed123
Review of Amica
Basketref
Great Company
shanjoybud
Amica is a great company...
loochiesimba
customer service