Amica Insurance Review

  • With 4.6/5 stars in 2024, Amica is an excellent insurance company.
  • Read Amica reviews, complaints and prices before you buy.
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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

Amica Mutual Insurance: Ratings and reviews

4.6 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 59.999999999999964% filled Star icon

Rating from The Zebra Question mark icon

Based in Rhode Island, Amica Mutual Insurance Company offers various types of coverage and is well-known for its great customer service. Amica offers a wide array of coverage options and has a number of discounts for policyholders.

Is Amica Insurance right for you? Have a look at our Amica Mutual Insurance Company review below to find out more about Amica's available insurance policies and overall customer satisfaction.

100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 59.999999999999964% filled Star icon
4.6 stars Rating from The Zebra
Ratings based on price, customer service, coverage, and financial strength.
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  • Scores well with customers and recieves few complaints

  • Competitive average premiums

  • Customizable coverage packages

  • Plenty of discount opportunities

  • No telematics option

Is Amica a good insurance company?

The majority of The Zebra's review incorporates how well Amica scores in terms of customer service. In order to determine that we looked at the following third-party ratings.

Claims Satisfaction: Above average

  • Amica earned Above average marks in J.D. Power's most recent auto claims satisfaction study[1]

Customer Satisfaction: Above average

  • J.D. Power also rated Amica as Above average in overall auto customer satisfaction[2]

Complaint Index: Below average

  • The National Association of Insurance Commissioners (NAIC) receives Below average customer complaints for Amica[3]

Financial Strength: Superior

  • Amica received an Superior financial strength rating from A.M. Best for its ability to pay out claims[4]

The Zebra Customer Satisfaction Survey

Alongside third-party ratings, we like to include results from our own customer survey. Feedback from real customers indicated which auto insurance companies are the best in multiple categories. While Amica received an overall score of 8.55/10, putting the company in 11th place overall, we did not collect a sufficient amount of data on Amica for it to be included in individual categories.

How much does Amica insurance cost?

Currently, the national average for a 6 month car insurance policy is $880, whereas Amica is about $861 or roughly 2% in premium difference versus a typical policy. This makes Amica a competitive choice for your next insurance company. The table below shows how Amica auto insurance compares against other top insurers. 

Average Monthly Cost by Amica

Updating data...

Company Avg. Monthly Premium
Allstate $201
Amica Mutual $144
State Farm $131
GEICO $129
USAA $114
Travelers $112
Erie $108

Source: The Zebra

Similar to any insurance company, pricing for Amica auto insurance does vary based on your age and generally will get cheaper the older you get. The table below shows Amica's car insurance premiums for different age brackets. 

Amica Costs by Age Group

Updating data...

Age Group Avg. Monthly Premium
Teens $572
20s $214
60s $159
30s $136
40s $132
50s $126

Source: The Zebra

The Zebra’s Dynamic Insurance Rating Tool data methodology

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.

Discounts offered

Amica offers a variety of ways to save money on auto coverage. Check out some of the following discounts below.

  • Legacy (Family): Those under 30 years old can save if their parents have carried an Amica auto policy for five years.
  • Multi-car: If you cover two or more vehicles with Amica, you can save 25%.
  • Forward-collision warning: You can receive this discount if your vehicle has collision-avoidance features.
  • Good Student: College and high school students aged 15 to 25 with at least a "B" average can receive a discount.
  • Multi-line: You can save upwards of 15% by combining auto insurance with your renters, life, condo, umbrella, or homeowners insurance policies.

Amica offers these and many other discounts to policyholders in an effort to help you save money. View all of Amica's discounts here.

Search, compare and buy all on one site. Start saving today!

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What types of coverage does Amica offer? 

Amica offers typical auto insurance options such as liability (both bodily injury and property damage), comprehensivecollision and uninsured motorist coverage. However, a number of Amica's options go beyond the basics. Amica prides itself on offering coverage options that aren’t widely offered by other major carriers. Have a look at the list below.

  • Gap insurance: This protects you in the event of a total loss on your lease or financed vehicle. Amica will cover the difference between the value of your vehicle and what you still owe on the loan.
  • Full glass coverage: While this varies by state, in most cases this coverage fully covers costs related to repair or replacement of your windows or windshield. It also eliminates the deductible for any damage costs.
  • Roadside assistance: Amica can provide help should you find yourself facing car trouble. This includes towing, jump start, fuel delivery and more. 
  • Rental reimbursement: This coverage covers the cost of a rental car should you be involved in a crash. While coverage varies by state, most policies are able to cover rental costs up to $20 per day, up to a total of $600. Learn more about rental car insurance.
  • Rideshare/delivery coverage: This optional add-on offers extended protection if you drive for Uber, Lyft, Grubhub, Doordash and other passenger transportation networks or product delivery services. 

Read more about Amica's coverages here

Amica logo

Amica Platinum Choice Auto

This is a premier coverage option that policyholders can elect to purchase. It offers the following special benefits not otherwise found on standard policies:

  • Glass repair or replacement with no deductible
  • Credit monitoring: This coverage provides monitoring services that keep tabs on your personal information. Amica monitors clients' credit files around the clock, offering notification of unusual activity within 24 hours. Should there be a problem, Amica offers assistance from specialists who are trained in how to combat fraud.
  • New car replacement: This replaces your totaled car with a new one. This is eligible for cars under a year old with fewer than 15,000 miles.
  • Prestige rental coverage: If your covered vehicle is involved in a crash, Amica offers up to $5,000 (with no daily limit) toward a rental car similar to the affected vehicle.

Read more about Amica's Platinum Choice package here.

Real-life customer experience

To help readers get even more insight into the Amica customer experience, we contacted actual customers of Amica to hear their thoughts. Below is what a real-life Amica customer had to say.


Quick facts:

  • Customer for over 20 years
  • Also has homeowners and umbrella coverage through Amica
  • Has filed auto and homeowners claims

Q: How do you feel about the coverage level they provide, your monthly premiums, and the overall level of customer service provided? 

A: Amica has excellent coverage with many options. The customer service is exemplary. If I choose to communicate by phone, a knowledgeable and professional representative is always readily available. They always follow up promptly as promised and never try to "pull one over on me." This sort of customer service is a rarity in the marketplace today.

The premiums are definitely not the lowest in the marketplace; however, the service — they pay out claims promptly and go above and beyond expectations — is worth it. For me, I'd rather pay a little more in premium to have the comfort and security of knowing that if I ever have a huge claim, Amica will take care of us!

Q: Have you ever filed a claim? If so, how would you rate the experience?

A: We have been Amica customers for over 20 years and have made several auto and homeowners claims. They always exceed my expectations, and I have none of those nightmare "loophole" stories that my friends tend to have with other carriers. For example, on a homeowner's roof claim due to hail damage, we had 50% of the roof damaged as did our neighbors. Amica replaced our entire roof without any special request from us. Our neighbors, on the other hand, were offered only 50% of a new roof by their insurance company. In our 20 years of membership, I have never had a problem with a claim or receiving coverage that was less than I thought fair. As a matter of fact, the claims process is usually beyond my expectations.

Amica insurance review: Summary

Amica has lots of great features for the average driver. With competitive rates, extensive coverage options and a strong customer satisfaction rating, it seems that it goes above and beyond to take care of its policyholders. If you are looking for other coverage types, such as home, renters or life insurance, the company could also deliver. In short, The Zebra highly recommends Amica for drivers who live in a covered state.

Methodology — how The Zebra reviews insurance companies

The team of insurance experts at The Zebra considers the company's standing in five main categories to come up with an overall rating. These metrics are weighted according to importance and are detailed below:

  • Price (20%): Using the base profile detailed below, we compared the company's average rate with the national average. If it surpassed this average, we gave a lower rating; if it fell below, we awarded a higher rating.
  • Coverage (20%): The highest-scoring companies offer a variety of coverage options, including bundling options, roadside assistance, telematics, beyond-basic coverage levels, and a variety of other coverage types.
  • Customer service (30%): We averaged ratings from JD Power, the NAIC complaint index to come up with a rating for the company's customer service. In instances when a company is not rated, we may use alternative rating agencies such as the Better Business Bureau and Trust Pilot.
  • Financial strength (10%): We use AM Best to determine a company's financial standing. In some cases when a company is not rated by AM Best, we may use an alternative measure such as Demotech.
  • The Zebra's Customer Satisfaction Survey (20%): The Zebra conducts an annual survey measuring customer satisfaction for many of the top insurance companies with the goal of ranking both the best auto insurance companies and best home insurance companies. Read more below.

For our auto insurance review, we analyzed more than 83 million insurance rates spanning every U.S. ZIP code using a sample user profile: a 30-year-old single male driver with a Honda Accord, good credit and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

For our home insurance review, rates are based on a sample user profile: a 45-year-old married homeowner living in a 2,500-square-foot single-story home built in 2011 with these coverage levels:

  • $200,000 for the dwelling
  • $20,000 for other structures
  • $100,000 for personal property
  • $100,000 for personal liability
  • $1,000 deductible

These sample premiums are dynamic and automatically refresh whenever the newest data is made available.

To generate pricing for particular rating factors, we adjusted this profile based on common pricing factors used by major car insurance companies. These factors include credit score, coverage level and others.

For The Zebra's Customer Satisfaction Survey, findings are based on an online quantitative survey of 4,134 current U.S. auto and home insurance customers, with Census-balanced sampling by age, gender and region. Categories with n=<20 responses are considered insufficient sample size and are not reported. This survey was developed by The Zebra and executed by independent research firm Maru/Blue in 2023.

Amica insurance: Frequently asked questions

Amica is a great insurance company for the average driver or homeowner. They offer competitive rates, diverse coverage options and ample discounts. They also boast high customer and claims satisfaction.

Amica has a strong reputation for customer service and claims satisfaction. They have an A+ (Superior) rating from AM Best for financial stability and are consistently one of the highest-rated insurers for claims satisfaction by J.D. Power.

Yes, Amica offers HO-3 and HO-5 homeowners insurance with various additional coverage options, such as dwelling coverage, personal property replacement and special computer coverage.

Amica's auto insurance rates are actually fairly average, although often higher than GEICO or Travelers. This could be related to costs associated with providing a superior customer experience that has led to them being repeatedly featured at the top of lists such as J.D. Power's claims satisfaction and customer satisfaction studies.

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Customer questions about Amica

Other people are also asking...

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

Ultimately it will depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with Amica. Our most recent State of Insurance report shows that at-fault accidents increase rates by about $450/year…
Apr 17, 2017 Anderson, IN

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.