Amica Car Insurance Review

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Amica
Investopedia’s Rating
4.4

Our Take 

Amica is an established insurer offering auto insurance that can be customized with a variety of add-ons, discounts, and extra perks not available from many other insurers. This provider is also one of the highest-rated insurers in the auto niche, making it worth considering for your auto insurance needs.

  • Pros & Cons
  • Key Takeaways
  • Specifications
Pros & Cons
Pros
  • Excellent ratings for customer service

  • Multiple discounts available

  • Premium coverage available

  • Live chat available

Cons
  • Discounts not available in all states

  • Few local offices and no "agent experience"

  • No rideshare coverage

Key Takeaways
  • Amica is the oldest mutual auto insurance company in the United States, and it’s also a top-rated insurer provider.
  • Amica is a direct seller of auto insurance and other types of insurance and it does not use agents to sell its products.
  • In our internal study of car insurance providers, median annual premiums for Amica car insurance were more expensive than much of the competition.
  • Amica offers several extra coverage options you can use to customize your policy, from optional medical payments coverage to gap coverage, full glass coverage, and more.
Specifications
  • Year Founded 1907
  • Types of Coverage Auto, homeowners, renters, RV, boat, life insurance, and more
  • Available Discounts 18
  • Purchasing Options Online, phone, live chat
  • Customer Service Phone: 1-800-242-6422
  • Official Website Amica.com

Pros Explained

  • Excellent ratings for customer service: Amica earned the top ranking in the New England region in J.D. Power's 2021 U.S. Auto Insurance Study. 
  • Multiple discounts available: Amica offers a broad range of discounts for its car insurance products, including loyalty discounts, good student discounts, savings for having an excellent driving record, and more. 
  • Premium coverage available: Amica offers a Platinum Choice Auto coverage option with upgrades like credit monitoring services, new car replacement coverage, rental car coverage with no daily limit, and glass repair or replacement with no deductible.
  • Live chat available: Customers can reach out for help or questions thanks to Amica's live chat function. You have to log into your account as an Amica customer to use this feature.

Cons Explained

  • Discounts not available in all states: Amica’s terms and conditions state, "discounts not available in all states and may vary."
  • Few local offices and no agent experience: Amica does not use agents to sell its insurance products, and its physical offices are limited.
  • No rideshare coverage: Amica currently doesn’t offer rideshare insurance, which is an important consideration if you plan to earn extra money by driving for Uber or Lyft.

Introduction

Founded in 1907, Amica Mutual Insurance Company is licensed to do business in all 50 states and Washington D.C., although they do not offer auto insurance in the state of Hawaii. As the oldest car insurance provider in the United States, Amica also boasts excellent ratings for its financial strength. Specifically, the insurer received a recent rating of "A+" (Superior) from AM Best.

When it comes to its auto insurance coverage options, Amica offers all the essential auto insurance coverage one would expect, from liability protection to uninsured and underinsured motorist coverage. Additional coverage options include medical payments coverage, collision coverage, comprehensive coverage, gap coverage, full glass coverage, roadside assistance, rental reimbursement, and accident forgiveness.

Amica also offers a premium auto insurance product known as Platinum Choice Auto. This coverage option comes with added perks such as glass repair or replacement with no deductible, credit monitoring, new car replacement coverage, and premium rental car coverage with no daily limit. 

Despite these perks, premiums for Amica car insurance may be higher than competitors’ premiums. Read on to learn more about Amica car insurance, the discounts it offers, and the benefits you expect if you decide to sign up.

Company Overview

Amica Mutual Insurance Group has been in operation since 1907. In addition to offering auto insurance, Amica also offers homeowners insurance, life insurance, renters insurance, business insurance, and more. It does not use insurance agents to sell its insurance products. Instead, Amica customers buy insurance and access customer service online and over the phone.

While Amica offers robust coverage options in all states except Hawaii, it's worth noting that it doesn't offer specialized coverage for rideshare drivers.

Types of Coverage

Amica offers a broad range of auto insurance coverage options, including the following:

Policy Coverage

  • Property Damage Liability: This type of coverage pays for property damage you cause as a result of a car accident.
  • Bodily Injury Liability: This coverage pays for medical bills caused by bodily injury after an accident occurs.
  • Medical Payments Coverage: This coverage can pay for medical payments that arise after an auto accident.
  • Personal Injury Protection (PIP): PIP can cover extras like lost wages, funeral expenses, and the loss of ability to perform basic tasks after a car accident.
  • Uninsured and Underinsured Motorist Protection: This coverage can pay for losses when another driver in an accident lacks adequate insurance or isn't insured at all.

Vehicle Coverage

  • Collision: Collision coverage can pay for car damage from another car or object after an accident occurs.
  • Comprehensive: Comprehensive coverage pays for damages to your car from sources other than another car, such as hail, animals, fire, theft, and more.
  • Roadside Assistance: Amica also lets you add roadside assistance to your car insurance plan. This add-on coverage can send help if you need towing services, a jump start, a tire change, or other assistance. 
  • Glass Coverage: This optional coverage can pay for repairs or replacement of glass, with or without a deductible.
  • Rental Reimbursement: Car rental reimbursement can kick in to cover rental fees while your car is being repaired after a covered accident.
  • Gap Coverage: Gap insurance can kick in to make up the difference when you owe more than your car is worth and you face a total loss.

Platinum Choice Coverage

Amica also offers a premium auto insurance option that lets you bundle top-of-the-line coverage into one package. Services include credit monitoring, glass repair and replacement with no deductible, premium rental car coverage, and more. 

According to Amica, gap coverage must be added to your policy within 30 days of you purchasing or leasing a car. You can only buy this coverage if you are also paying for collision and comprehensive coverage.

Amica Car Insurance Discounts

Amica offers customers an array of discounts that can help them save on auto insurance premiums. Potential discounts you might qualify for are highlighted below.

Policy Discounts

  • Loyalty Discount: Once Amica has been your auto insurer for at least two years, you may qualify for a discount. The amount increases the longer you are insured by Amica.
  • Claim-Free Discount: You could be eligible for a discount if you have no insurance claims for three years.
  • Multiple Policy Discount: Amica customers may save up to 30% by bundling auto insurance with other policies, such as umbrella, life, home, condo, and more.
  • Multiple Vehicle Discount: You could also receive up to a 25% discount for having multiple vehicles insured by Amica.
  • Legacy Discount: Customers under age 30 may earn a discount if their parents have had an auto insurance policy with Amica for at least five years.
  • Homeownership Discount: There’s also a way to receive a discount for being a homeowner, even if your house isn’t insured by Amica.

Vehicle Discounts

  • Anti-Theft Discount: You can get a discount by adding an approved anti-theft device to your vehicle.
  • Passive Restraint Discount: Vehicles equipped with automatic occupant restraints, such as airbags, are eligible for a discount.
  • Adaptive Headlight Discount: Customers can receive a discount for adding headlights designed specifically for low-light and night driving.
  • Forward-Collision Warning Discount: Customers receive a discount if their vehicle is equipped with a collision-warning feature.
  • Electronic Stability Discount: Those who install an electronic stability control feature may receive another discount.

Driver Discounts

  • Defensive Driver Training Discount: Adult drivers who complete an approved driver training course may earn a discount.
  • Good Student Discount: Full-time students aged 15 to 25 may receive a discount for maintaining a B average.
  • Driver Training Discount: Younger drivers may receive a discount after completing an approved driver training course.
  • School Away Discount: You could get a discount if your child is enrolled in school full time without access to their vehicle.

Payment Discounts

  • Autopay Discount: Customers who set up autopay to pay their premiums earn a discount.
  • Paperless Discount: Customers can get a discount by opting to receive bills and other information electronically.
  • Paid-in-Full Discount: Amica offers a discount to customers who pay their entire premium before the due date on the first bill.

Amica charges an installment fee if you choose to pay your auto insurance premiums monthly instead of paying six months of premiums upfront.

Payment Options

According to Amica, you have several options when it comes to paying your auto insurance bill, including:

  • Paying online through your online account
  • Signing up for auto-pay
  • Paying by mail
  • Paying over the phone

As an Amica customer, you have the option to pay by check, money order, a transfer from a bank account, or a debit or credit card. For customer payments, Amica accepts Visa, Mastercard, Discover, and American Express.

Loss Ratio

Amica Mutual Insurance Group featured a loss ratio of 51.39% in 2020, which ranks around the middle of auto insurance companies. This loss ratio led Amica to receive a rating of three out of five in our internal study. 

As you compare different insurance companies based on this metric, you'll notice many other top providers scored better. Auto insurance companies with better ratings for their loss ratio include Berkshire Hathaway, State Farm, Erie Insurance, and American Family Insurance.

Other Features

Amica has an Accident Forgiveness/Good Driving Rewards program that aims to help lower your costs after an accident takes place. This program can reduce or eliminate your deductible, or it can be used to keep your premiums from rising after a claim.

When you enroll in this program, you'll earn Advantage Points for good driving that accrue over time.

Customer Service

While Amica sells directly to its customers online instead of using agents, it does have quite a few customer service options. 

Claims support is available 24 hours a day and seven days a week. Individuals can make claims via live online chat Monday through Friday from 8 a.m. to 6 p.m. ET and Saturday from 10 a.m. to 5:30 p.m. ET. The sales and support live chat has different hours. Other support options are available through its mobile app, online account access, mail, and a contact form on its website.

Customers have access to a host of features and services through Amica’s mobile app. Available on iOS and Android, customers can make and track claims, access policy information, pay bills, and more. A copy of your insurance card is also available within Amica’s mobile app. 

The Amica app also gets strong third-party reviews.

Satisfaction Ratings

First of all, it's important to note that Amica earned the top ranking in the New England region in J.D. Power's 2021 U.S. Auto Insurance Study. While Amica offers auto policies in 49 states and Washington D.C., this is not the only region Amica was featured in the study.

Amica boasts surprisingly good user reviews on platforms like Trustpilot. It earned an average star rating of 4.6 out of five stars among reviews on this platform with previous customers saying they have "great customer service" while offering "good value."

Once again, it's worth mentioning that Amica received a recent rating of "A+" (Superior) from AM Best. This rating shows the company's financial strength, which underscores its ability to pay claims.

Complaint Index

The National Association of Insurance Commissioners (NAIC) keeps a database of all insurance company complaints. Each insurance company receives a complaint ratio, which is the number of complaints received the previous year compared to its market share.

Scores of 1.0 are considered average. Companies with scores above 1.0 received more complaints than average, while companies with scores below 1.0 received fewer than average. Amica’s complaint ratio for 2021 was 1.27.

Account Management

Because Amica doesn't sell insurance products through a network of agents, it has gone out of its way to create a seamless online experience for its customers. Specifically, customers can use the online portal or the Amica mobile app to monitor their policies, submit a claim, pay insurance premiums, and more. 

Existing customers can also utilize the online chat feature to get customer service help or make changes to their policy, which is a major benefit when you compare to other insurance companies.

How Amica Compares to Other Auto Insurance Companies

Buying auto insurance can be tricky because you need to make sure you get superior coverage at a price you can afford. This often means making tradeoffs in terms of extras you add to your policy, coverage limits, your deductible, and more.

Either way, we believe it's crucial to make sure you're paying fair premiums for the amount of coverage you put in place. With that in mind, we compared median annual premiums from many top insurers without our internal study, including Amica.

Ultimately, median annual premiums for Amica car insurance worked out to $2,374, which is higher than many other popular insurers. In fact, most other top providers we profiled featured lower median annual premiums, including Allstate ($1,674), Nationwide ($1,511), and American Family Insurance ($1,385), among others.

That said, median annual premiums don't tell the whole story. To find out how much you would pay for a car insurance policy with Amica, you'll need to take the time to get a free quote based on the car you drive, your claims history, the discounts you qualify for, and other factors.

Final Verdict

Amica is the oldest mutual car insurance company in the United States, and its longevity and staying power show it’s doing something right. If you're looking for high-quality car insurance with plenty of ways to customize your policy to your needs, Amica is a decent option.

Still, you should make sure you're not overpaying on car insurance premiums, which you can only do by shopping around with at least a few different providers. By comparing companies, their offerings, their policy "extras," and the premiums they want you to pay, you can make sure your auto insurance coverage is perfect for your needs and your budget.

Methodology

Investopedia is committed to providing readers with unbiased, comprehensive reviews of auto insurance companies. All of our reviews are based on extensive research and analysis of each company’s coverage, customer service, pricing, years in business, accreditation, and more. To rate providers, we developed an auto insurance review methodology that compares the auto insurance coverage types, additional features, discounts, account management, and other features.

Article Sources

Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. J.D. Power. “Auto Insurance Customer Satisfaction Stalls Despite $18 Billion in Premium Relief, J.D. Power Finds.”

  2. AM Best. "Amica Mutual Insurance Group."

  3. NAIC. "2020 Market Share Reports for Property/Casualty Groups and Companies By State and Countrywide," Page 13.

  4. National Association of Insurance Commissioners. "Amica Mut Ins Co National Complaint Index Report."