Amica Auto Insurance Review 2025: Pros, Cons, and Alternatives

Established in 1907, Amica is the oldest mutual auto insurance coverage firm. Apart from auto insurance coverage, it affords householders, renters, life, and small enterprise insurance coverage. Amica is a little more costly than the competitors, however clients typically gravitate in direction of the corporate for its stellar fame and complete choices.

Enterprise Insider in contrast Amica automotive insurance coverage to the very best automotive insurance coverage firms and located it to be a superior possibility on account of its excessive rankings and lots of low cost and protection choices to customise your coverage.

Amica Auto Insurance coverage Execs and Cons

Amica Auto Insurance coverage Execs

• Extremely rated claims course of
• Affords rideshare and hole insurance coverage
• Broad number of reductions
• Sturdy secure drivers program by cell app

Amica Auto Insurance coverage Cons

• Greater than common value
• Solely works with captive brokers

Get Quotes

Evaluate Amica Auto Insurance coverage

Amica Auto Insurance coverage Overview

Amica is a prime automotive insurance coverage alternative, particularly for households. It affords tons of reductions and protection choices, together with for folks of younger drivers. It additionally has good scores for claims satisfaction and buyer satisfaction by JD Energy and excessive marks for monetary energy. Nevertheless it has combined buyer evaluations with earlier customers noting excessive value will increase.

On prime of that, it’s dearer than different automotive insurance coverage firms within the trade. However you possibly can typically decrease your value by benefiting from their complete low cost record. You too can rise up to twenty% off your coverage and earn rewards by Amica’s telematics program: SmartSmart.

Amica Auto Insurance coverage Plans and Protection

Amica affords customary automotive insurance coverage coverages together with:

• Legal responsibility insurance coverage: A liability-only coverage affords the state minimal insurance coverage, which incorporates protection for property damages or bodily accidents you’re accountable for throughout an accident.
• Complete insurance coverage: This protection is one a part of a full-coverage coverage. It pays for damages to your car attributable to hitting an animal, extreme climate, theft, and vandalism.
• Collision insurance coverage: This protection is the opposite a part of a full-coverage coverage. It pays for car damages for those who hit one other automotive or object (tree, fence, mild pole, and so on.) no matter fault.
• Private harm safety: PIP insurance coverage pays for medical bills and misplaced wages for those who or your passengers maintain accidents in an accident. It would additionally cowl misplaced revenue on account of accidents sustained in a automotive accident.
• Medical funds: Medpay covers you and your passengers’ medical payments from a automotive accident.
• Uninsured/underinsured motorist: UM/UIM insurance coverage pays in your bodily accidents and property harm attributable to drivers who don’t have insurance coverage or don’t have sufficient insurance coverage.

Further Cowl Choices (Riders) Provided by Amica Auto Insurance coverage

You’ll additionally discover a beneficiant record of optionally available coverages to extend your safety. Improve your Amica coverage by including:

• Hole insurance coverage: In case your automotive is totaled, hole insurance coverage covers the present worth of your car, minus the quantity you owe in your auto mortgage or lease.
• Full glass protection: This protection waives the deductible on repairs or replacements of the glass elements of your automotive (windshield, home windows, and so on).
• Roadside help: In case your automotive breaks down on the street, roadside help pays for emergency providers (towing, battery jumpstarting, gasoline supply), and so on.) to get you again on the street.
• Rental automotive reimbursement: In case your car is within the store for repairs, or cannot be pushed after an accident, rental automotive protection pays for the price of a rental automotive.
• Rideshare and supply service insurance coverage: If you happen to drive for a rideshare firm (Uber, Lyft, and so on.) or supply service (Doordash, Grubhub, Postmates ), Amica supplies protection to guard you throughout sure components of the job when your organization’s insurance coverage is not lively, like once you’re lively on the app however do not at the moment have a buyer.

Amica additionally affords a premier bundle referred to as Platinum Alternative® Auto, which bundles full glass, identification fraud monitoring, and elevated limits on rental automotive protection.

In Arizona and Connecticut, drivers may also entry accident forgiveness advantages. Amica has plans to develop this program to different states.

Amica Auto Insurance coverage Value

Automotive insurance coverage firms primarily calculate premiums by assessing your danger. Auto insurers take a look at a number of elements to find out your insurance coverage danger, together with age, location, driving historical past, car kind, and coverages. The extra “dangerous” you might be to insure, the upper your premiums will possible be.

Amica’s charges are greater than the trade common for a liability-only and a full-coverage coverage. Have a look under for this firm’s prices based mostly on completely different coverage sorts.

Supply: Policygenius

Amica Auto Insurance coverage Reductions

Amica has a sturdy record of reductions. It affords financial savings for pupil drivers, automobiles with security and security measures, and coverage customization. Listed here are the reductions you’ll discover with the corporate:

• Loyalty: Get a reduction by having protection with any auto insurance coverage for no less than 2 years.
• Multi-car: Save as much as 25% by shopping for insurance coverage for 2 or extra automobiles.
• Homeownership: If you happen to’re a house owner, you could qualify for a reduction off your premium.
• Bundling: Save as much as 30% by bundling your auto insurance coverage with an Amica dwelling, umbrella, or life insurance coverage coverage
• Younger driver coaching: Drivers underneath 21 years outdated can get monetary savings by finishing an authorized driver coaching program.
• Good pupil: College students ages 15 to 25 with a “B” grade point-average or greater qualify for the great pupil low cost.
• Pupil-away-at faculty: If you happen to’re a full-time pupil residing at college with out a automotive, you could qualify for financial savings.
• Father or mother loyalty: If you happen to’re youthful than 30 and your father or mother owned an Amica coverage for no less than 5 years, you could be eligible for this low cost.
• Accident-free: If you happen to stay claims-free for the previous 3 years, you possibly can rating discounted charges.
• Defensive driver coaching: Drivers who full an authorized driver security course, might qualify for this low cost.
• Telematics program: Amica’s secure driving program, StreetSmart, supplies as much as 20% off your premiums for good driving conduct. You too can earn rewards to make use of at widespread retailers.
• Anti-theft: Get a reduction for having safety gadgets like automotive alarms and GPS monitoring programs.
• Security options: Save in your coverage in case your automotive has security options like passive restraints, digital stability management, forward-collision warning, and adaptive headlights.
• Paid in full: Earn a reduction by paying your total coverage premium upfront.
• Auto pay: Enroll in automated funds to obtain a reduction in your coverage.
• Paperless: Get a reduction once you signal as much as obtain coverage paperwork and billing statements electronically.

Buy and Handle an Amica Auto Insurance coverage Coverage

Candidates can get a quote and buy a coverage on-line at Amica.com or by calling 800-242-6422 to talk to an agent. Holding the next info (for you and any drivers) readily available can simplify the method:

• Private info (Identify, deal with, date of beginning, gender, and so on.)
• VIN or car’s yr, make, and mannequin
• Protection standing
• Car use, mileage, and possession standing
• Parked location
• Driving historical past
• Desired begin date

You possibly can handle your account by way of your Amica on-line account or cell app and full duties reminiscent of:

• Paying your invoice
• Accessing your ID card
• Viewing coverage paperwork
• Beginning a declare
• Requesting roadside help
• Updating your info

File a Declare with Amica Auto Insurance coverage

Amica policyholders can begin a declare by its on-line kind, by calling 800-242-6422, or by the cell app. Remember that you will have to pay a deductible to obtain your settlement for repairs.

Amica recommends having the next info earlier than beginning the method.

• Names and addresses of these concerned, together with witnesses and anybody injured
• Location of the accident
• Your license plate quantity and car make/mannequin/yr

Submitting pictures and movies of the damages and a duplicate of the police report (if relevant) may also allow you to along with your declare.

Observe: Investigating a declare can take 30 days or longer, relying in your state regulation and its complexity. Don’t hesitate to follow-up all through the method to make sure you obtain your fee in a well timed method.

Amica Auto Insurance coverage Buyer Opinions and Scores

Amica obtained combined buyer scores. Some policyholders praised the corporate for its reliability and customer support. Others have expressed frustration with steep value will increase, even for purchasers with no earlier claims and clear driving information.

Have a look under for Amica’s buyer evaluations from numerous websites.

• Higher Enterprise Bureau (BBB): 1.4 out of 5 stars
• Trustpilot: 4.4 out of 5 stars
• Shopper Affairs: 3.6 out of 5 stars
• Wallethub: 3.0 out of 5 stars

Amica’s cell app additionally obtained a 3.2 out of 5 on Google Play and a 4.8 out of 5 stars on the App Retailer.

Our expertise utilizing Amica’s on-line chat perform was constructive total, with quick wait instances and educated brokers that have been in a position to reply our questions.

Under, you’ll discover Amica’s scores from third-party businesses. The corporate stands out for its low quantity of complaints from the NAIC and superior monetary scores with AM Finest. It additionally ranks extremely for claims satisfaction and buyer satisfaction within the New England area from JD Energy.

Amica Auto Insurance coverage Alternate options

Amica vs. Allstate

Allstate is a family title, rating 4th for largest automotive insurance coverage firm based mostly on market share. Whereas it might outshine Amica in reputation, it scores decrease than Amica in value, buyer and claims satisfaction, and reductions.

In distinction, Allstate policyholders have entry to distinctive coverages like traditional or collectible automotive insurance coverage, automotive insurance coverage for journey to Mexico, and pay-per-mile insurance coverage. Amica doesn’t supply these add-ons. See the desk under for Allstate automotive insurance coverage options in comparison with Amica.

Learn our Allstate automotive insurance coverage assessment.

Amica vs. American Household

If you happen to’re a budget-savvy shopper searching for the most affordable protection, American Household might enchantment to you. Amica often is the more sensible choice for consumers who worth high quality customer support, and a wide array of coverages and low cost choices.

Learn our American Household automotive insurance coverage assessment.

Why You Ought to Belief Us: What Went into Our Amica Auto Insurance coverage Evaluate

To make sure you’re getting probably the most correct and unbiased info, Enterprise Insider used the next elements to charge Amica:

• Coverages: Most automotive insurance coverage firms supply the usual coverages like complete, collision, and legal responsibility protection, however every policyholder can have distinctive wants. So, along with primary coverages, we take a look at the variability and forms of further protection supplied and the way it compares to the competitors.
• Costs: To evaluate affordability, we assessed whether or not an organization’s value is decrease than the nationwide common for liability-only and full-coverage coverage. After all, value isn’t every thing. So, if premiums are a bit dearer than the typical, we additionally think about whether or not its advantages are price its pricing.
• Customer support: We used third-party scores like these from JD Energy and the NAIC grievance index to find out how an organization ranks in terms of customer support. Evaluate websites just like the BBB and Trustpilot additionally supply insights into previous clients’ expertise with an organization, which may also help us predict what your expertise might appear like. For instance, Amica has the second highest JD Energy ranking for claims satisfaction out of 21 suppliers.
• Monetary Stability: Monetary well being signifies an insurer’s longevity and skill to fulfill its monetary obligations, like paying claims, and its means to resist financial downturns. A+ (Superior) is the very best grade an organization can get; D (Poor) is the bottom.

Learn extra about how Enterprise Insider charges auto insurance coverage.

FAQs

Alani Asis is a private finance professional with expertise protecting insurance coverage, retirement, and credit score. Her work has been revealed in AARP, CNN Underscored, Forbes, Fortune, PolicyGenius, and U.S. Information & World Report.ExpertiseAlani has reviewed life insurance coverage and pet insurance coverage firms and has written quite a few explainers on journey insurance coverage, credit score, debt, and residential insurance coverage.She is obsessed with demystifying the complexities of insurance coverage and different private finance matters in order that readers have the data they should make the very best cash choices.ExperienceAlani’s areas of non-public finance experience embody:

• Automotive insurance coverage
• Life insurance coverage
• House insurance coverage
• Journey insurance coverage
• Pet insurance coverage
• Credit score
• Bank cards
• Retirement planning

Schooling Alani is a graduate of the College of Hawaii at Manoa, the place she earned a level in political science and historical past.

Learn extra
Learn much less

High Affords From Our Companions

SoFi® Checking and Financial savings (Member FDIC)

Earn as much as a $300 bonus with qualifying direct deposits for eligible clients by 1/31/2026. Earn as much as 3.80% APY on financial savings balances (together with Vaults) with direct deposit or qualifying deposit.