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Amica earns a solid rating from experts at The Zebra thanks to its wide range of coverage options, unique discounts, and solid financial stability.
Policyholders often highlight Amica’s dependable claims handling and multiple ways to manage their policies, including online and mobile tools. Though a few drivers mention slower responses for complex issues, the company’s strong financial stability and broad coverage options keep it highly regarded among auto insurance shoppers.
Mobile management: Manage claims, payments, and documents from your phone.
Online management: Handle routine tasks and updates online on your schedule.
Customer support: Get help through your preferred method—phone, chat, app, or in-person.
Service concerns: Frequent complaints suggest problems with claims and customer service.
Policy instability: Frequent changes create confusion and coverage uncertainty.
Navigation issues: Confusing website makes basic tasks difficult and time-consuming.
| Rating | Explanation | Star rating equivalent |
|---|---|---|
| Subpar | Lowest ranking, suggesting instability or high risk | 0-1.9 |
| Fair | Somewhat stable but not consistently reliable | 2-2.9 |
| Good | Generally dependable with moderate stability | 3-3.9 |
| Solid | Strong, reliable and dependable with minor risks | 4-4.4 |
| Exceptional | Highest rating, indicating outstanding stability and reliability | 4.5-5 |
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Currently, the national average for a 6-month car insurance policy is $1,084, whereas Amica is about $1,180.[1]
Updating data...
| Company | Liability only | Full coverage |
|---|---|---|
| Amica Mutual | $464 | $1,180 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Amica offers an extensive list of available discounts, including the common options you'll find elsewhere (such as multi-policy, continuous insurance, and homeowner discounts). Amica also offers customers additional ways to save, as well:
Those under 30 years old can save if their parents have carried an Amica auto policy for five years.
You can receive this discount if your vehicle has collision-avoidance features.
College and high school students aged 15 to 25 with at least a "B" average can receive a discount.
| Loyalty Discount | Home Ownership Discount |
| Bundling Discount | Multi-Car Discount |
| Youth Driver Training Discount | Good Student Discount |
| Student Away at School Discount | Accident Free Discount |
| Defensive Driver Training Discount | StreetSmart App Discount |
| Anti-Theft Discount | Electronic Stability Control Discount |
| Passive Restraints Discount | Forward Collision Warning Discount |
| Adaptive Headlights Discount | Paid in Full Discount |
| Autopay Discount | Paperless Discount |
To learn more about each discount Amica has to offer, see their discounts page.
See how Amica stacks up against similar companies
Cost: $1,180 average cost for a six-month policy
Customer satisfaction: High
Our take:
Cost: $954 for a six-month auto policy
Customer satisfaction: High
Our take:
Cost: $1,133 average cost for a six-month policy
Customer satisfaction: High
Our take:
Amica is known for a streamlined and empathetic claims process, offering multiple reporting options through online, mobile, and phone channels. Many policyholders praise the company’s responsive support and clear communication, though some report occasional delays or challenges with more complex claims.[2]
86.4% of customers recommend Amica
The Zebra conducted a survey across 4,000+ users to gather ratings on major carriers' customer service, claims process, ease of use, and more. See how Amica was rated in individual categories by expanding the section below.
Source: The Zebra
No one wants to file a claim, but sometimes it's impossible to avoid. See the table below for some examples of what you could be facing after filing a claim.
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium |
|---|---|
| None | $1,309 |
| One comp claim | $1,350 |
| At-fault accident - $1000-$2000 | $1,462 |
| At-fault accident - greater than $2000 | $1,563 |
| Two comp claims | $1,568 |
Source: The Zebra
Amica Insurance offers a streamlined claims process with multiple reporting options, including online, mobile app, and phone. The company has received high marks for customer satisfaction, ranking first in J.D. Power's U.S. Auto Claims Satisfaction Study. Many customers praise Amica's responsive service and empathetic approach, though some have reported occasional delays or communication issues.
Beyond the standard coverage offerings you'd expect from any carrier— like liability, collision and comprehensive, uninsured/underinsured motorist coverage, and personal injury protection— Amica provides it's customers multiple coverage add ons to save even more.
Amica stands out in the insurance market for its exceptional customer satisfaction, consistently earning high marks from policyholders for responsiveness and support. The company also demonstrates robust financial stability, giving customers confidence in its ability to pay claims when needed. While its claims process is generally dependable and efficient, it is worth noting that Amica’s premiums are typically higher than the national average, reflecting the quality of service and coverage provided.
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
Anonymized User Survey. The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
