Amica earned an overall score of 4.5/5 in The Zebra's review. Read more below to find out if they're the right carrier for you.
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.
Claims satisfaction (J.D. Power) — Excellent: Amica earned the fourth-best rating in J.D. Power's 2021 claims satisfaction study.
Customer satisfaction (J.D. Power) — Excellent: Amica received excellent marks for its customer service from J.D. Power.
Financial strength — Superior: A financial strength rating of “superior” shows Amica is in great financial health and its ability to pay claims is strong.
NAIC Rating — Poor: The National Association of Insurance Commissioners (NAIC) has registered slightly more customer complaints regarding Amica than the average for all insurers.
Amica offers typical auto insurance options such as liability (both bodily injury and property damage), comprehensive, collision, 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.
Amica can provide help should you find yourself facing car trouble. The following roadside services are available:
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.
This is a premier coverage option that policyholders can elect to purchase. It offers the following special benefits not otherwise found on standard policies.
Amica uses “Advantage Points” to determine discounts or other good driver rewards. You start earning these points by signing up for — or renewing — a policy, referring others to the company, or completing a year of good driving. These points can be used to reduce or eliminate your deductible or to keep your rates from rising after a claim.
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.
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.
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.
Amica is unique in that it offers what’s known as a dividend policy. This policy returns a small portion of your paid premiums in the form of a dividend payment. Average annual payments are typically between 5% and 20% of your yearly premium.
While this policy may have a higher upfront cost, it can save you money in the long run. You can receive your dividend payments in the following ways:
Amica offers a variety of ways to save money on auto coverage. Check out some of the following below.
Your automobile itself can lead to a variety of discounts at Amica:
These discounts are directly related to the individual driver’s behavior. Have a look at how your choices can save you money.
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Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $572 |
| 20s | $214 |
| 60s | $159 |
| 30s | $136 |
| 40s | $132 |
| 50s | $126 |
| Accident/Violation | Avg. Monthly Premium |
|---|---|
| DUI | $487 |
| Speeding 16 - 20 MPH over limit | $183 |
| At-fault accident - greater than $2000 | $177 |
Amica has lots of great features for the average driver. With a strong customer satisfaction rating, it seems that they go 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. Rates will vary from state to state, so if you are looking for an auto policy, it pays to look around for the cheapest insurance rates and the best auto policies.
Remember that factors such as your credit score, driving history, and previous insurance claims will affect your rates, so looking into different auto insurance companies should be a regular occurrence. Luckily, The Zebra can help you find company reviews and insurance quotes quickly and easily.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
