Amica Car Insurance Review

America’s oldest mutual auto insurance company is highly rated

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Not only is Amica the oldest auto insurance company in America; it’s also one of the highest-rated insurers. The company is known for its wide array of car insurance coverage options and superb customer service. Amica provides customizable coverage, with a variety of options, discounts, and extra perks not offered by many other insurers.

  • Pros & Cons
  • Key Takeaways
  • Company Overview
Pros & Cons
  • Highly rated

  • Multiple discounts available

  • Extra perks and services

  • Discounts not available in all states

  • Few local offices

  • No rideshare coverage

Key Takeaways
  • Amica was founded in 1907 and is the oldest mutual car insurer in America.
  • Amica insures vehicles in 49 states and the District of Columbia but not Hawaii.
  • Auto insurance policies can be bundled with other Amica coverage—such as condo, renter’s, life, and umbrella policies—for discounts.
Company Overview
  • Year Founded 1907
  • Official Website
  • Insurance Offered Auto, homeowners, renters, life, small business, pet, motorcycle, boat and more
  • Customer Service 24/7 Phone: 1-800-246-6422
Top Rated For

Pros Explained

  • Highly rated – Amica is ranked "among the best" in customer satisfaction by J.D. Power. The insurance company is also the first to earn 50 J.D. Power customer satisfaction awards.
  • Multiple discounts available – Amica offers a variety of discounts that can reduce insurance premiums, including loyalty, multiple vehicles, autopay, good student, and various vehicle discounts.
  • Extra perks and services – Along with its insurance coverage, Amica offers customers extra perks, including free lock replacement, free repair of deployed airbags, lost wage reimbursement for court appearances, and $1,000 for bail bonds.

Cons Explained

  • Discounts not available in all states – Although Amica offers a host of discounts, they aren’t an option everywhere. Availability varies based on the specific discount.
  • Few local offices – Most business done with Amica is online, although the company does have some regional offices. Having access to local help depends on where you live.
  • No rideshare coverage – Amica currently doesn’t offer rideshare insurance. Another Amica policy may provide coverage if you’re a rideshare driver, but it’s best to verify before signing up for coverage.

Amica Car Insurance Coverage

Amica’s auto insurance includes the following coverage:

Policy Coverage

  • Property Damage Liability – This pays for property damage you cause as a result of a car accident.
  • Bodily Injury Liability – This pays for bodily injury you cause as a result of a car accident.
  • Medical Payments – Amica also covers medical payments as a result of a car accident.
  • Personal Injury Protection (PIP) PIP covers lost wages, funeral expenses, and the loss of ability to perform basic tasks.
  • Uninsured and Underinsured Motorist Protection – Amica covers both property damage and bodily injury you sustain if the driver who caused the accident doesn’t have enough insurance to cover the bills or has none at all.

Vehicle Coverage

  • Collision – This pays for car damage from another car or object.
  • Comprehensive – This goes one step further and pays for damages to your car from other sources, such as hail, animals, fire, theft, and more.
  • Roadside Assistance – Amica also provides customer support through roadside assistance for towing, battery jump starts, and flat tires. Labor for these services is included with this coverage.
  • Glass – This is optional, as glass is already covered as part of comprehensive coverage. Having extra coverage allows you to avoid paying any deductibles.
  • Rental Reimbursement – This is for car rentals made in the United States, Canada, or U.S. territories.

Platinum Choice Coverage

Amica also offers a premium auto insurance option, bundling top-of-the-line coverage into one package. Services include identity fraud monitoring, accident forgiveness, and more.

Factors That Affect Your Costs

  • Age – Age is one of the primary factors in setting premiums, with higher costs going to younger drivers under the age of 25.
  • Gender – Gender still plays a role in setting insurance premiums. Women tend to have lower premiums than men because they are in fewer accidents.
  • Car Use – The greater your mileage, the higher your premiums.
  • Location – Where you live matters when it comes to insurance premiums. Drivers from urban areas typically pay higher premiums than those who reside in suburban areas, as their chances of having an accident are higher.
  • Driving Record – Drivers with clean driving records have lower insurance premiums than those who’ve been in accidents, have traffic violations, or are new drivers without any driving history.
  • Make and Model – The cost of your car, how much it costs to repair it, engine size, and safety record all impact your premiums.
  • Credit – Insurance companies use your credit report to calculate an insurance score, which can affect eligibility and insurance premiums.

Like most insurers, Amica requires you to select “male” or “female” when requesting an online quote for insurance. At this time its underwriting process is not updated to include transgender or nonbinary options.

Amica Car Insurance Discounts

Amica offers its customers a myriad of discounts to help lower car insurance bills, but they aren’t available in all states.

Policy Discounts

  • Loyalty Discount – You can get a discount once Amica has been your auto insurer for at least two years. The amount increases the longer you are insured by Amica.
  • Claim-Free Discount – If you have no insurance claims for three years, other than glass or towing, a discount can be yours.
  • Multiple Policy discount – Amica customers can save up to 30% by bundling auto insurance with other policies, such as umbrella, life, home, condo, and more.
  • Multiple Vehicle Discount – You can also receive up to a 25% discount for having multiple vehicles insured by Amica.
  • Legacy Discount – Customers under age 30 can earn a discount if their parents have had an auto insurance policy with Amica for at least five years.
  • Autopay Discount – Customers who set up autopay to pay their premiums earn a discount.
  • E-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.
  • 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-avoidance feature.
  • Electronic Stability Discount – Install an electronic stability control feature to receive another discount on your insurance costs.

Driver Discounts

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

Amica Car Insurance Availability

Amica car insurance is available in 49 states and the District of Columbia. It’s not currently available to residents of Hawaii. Coverage limits, discounts, and payment options can vary by state.

Amica Customer Service

Amica sells directly to customers online, although it does have around 40 regional offices across the U.S. that customers can visit for in-person help. Customer support is available 24/7 by phone. 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.

Amica is highly regarded in the insurance industry. The company holds an A+ (Superior) rating from AM Best, an insurance-based credit rating agency. Insurance companies with high ratings from AM Best are known for being reliable in times of need and meeting their contractual obligations.

As noted above, Amica's customer satisfaction ranks "among the best" with J.D. Power. It was ranked #1 in the 2019 customer satisfaction survey and #2 in the 2020 survey. The insurance company has also earned 50 J.D. Power Customer Satisfaction Awards to date, the first insurance provider to reach this feat.

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 2019 was 1.96.

Other Insurance Provided by Amica

Amica is known for more than just auto insurance. It provides insurance coverage for other policies, including:

How to Make a Car Insurance Claim with Amica

You can make a claim through Amica’s mobile app, through Amica’s online claim center, or by calling 800-242-6422. When doing so, you’ll be asked for detailed information including but not limited to:

  • Names and Addresses (of everyone involved)
  • Accident Location
  • Make, Model, and License Plate Numbers (of all cars involved)
  • Names of Witnesses
  • Names of Injured Individuals
  • Details of the Accident

After filing a claim, Amica will contact you with the next steps. If the damage is minor, it will ask you to get an appraisal and send it in for review. For more severe damage, Amica will assign an appraiser who will inspect the car and send a copy of the report to you and whatever repair shop you choose or from Amica’s repair network.

Once Amica has completed its review of the appraisal, the company will send you a check to cover the damages. Customers can also sign up for direct deposit to receive funds faster.

Amica Car Insurance Cancellation Policy

You can cancel your Amica insurance policy by calling 800-242-6422. The company charges a $29 fee for policies canceled prior to the end of the policy term.

Get an Amica Car Insurance Quote

You can get an auto insurance quote online through Amica’s website or by calling 800-242-6422. For an accurate quote, you’ll need to provide personal information, including your:

  • Name
  • Address
  • Phone Number
  • Email Address
  • Date of Birth
  • Gender
  • Marital Status
  • Driver’s License Number
  • Vehicle Year, Make, and Model
  • Vehicle Identification Number (VIN)
  • Mileage
  • Estimated Usage

After receiving your quote, you can decide to get coverage or not. If you want to move forward with Amica, make sure to only choose the coverage you want. Amica will review your driving record and credit report to finalize your premiums and other costs.

Compare Other Car Insurance Reviews

It’s important to research several insurance companies so you can find the one that best fits your needs. Although Amica makes Investopedia’s list of the best insurance companies of 2020, it may not be right for you. Its services are mostly online, so if you’re looking for a more personal insurance experience, seek out local options.


Amica provides a top-notch insurance experience with highly rated customer support. You have access to your policies and claims through multiple channels, including online access and the mobile app. The company offers customizable auto insurance coverage along with an array of discounts that rival any insurance company.

Having a poor driving record may limit eligibility or lead to higher premiums than you might like. Amica is the oldest auto insurer in the U.S., with coverage to meet most customer needs.


Investopedia is dedicated to furnishing consumers with unbiased, comprehensive reviews of car insurance providers. We reviewed each insurance provider’s coverage options, available discounts, customer services, and satisfaction ratings to ensure that our content helps users make the right insurance decision for their needs.

Article Sources

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  1. J.D. Power. "Auto Insurance Claims Satisfaction Climbs To Record High As Carriers Refine Customer Experience During Pandemic, J.D. Power Finds." Accessed Aug. 18, 2021.

  2. J.D. Power. "Auto Insurance Claims Satisfaction Reaches Record High as Carriers Refine Time-Consuming Processes." Accessed Aug. 18, 2021.

  3. Insurance Information Institute. "What Determines the Price of an Auto Insurance Policy?" Accessed Aug. 17, 2021.

  4. AM Best. "Amica Mutual Insurance Company." Accessed Aug. 17, 2021.

  5. National Association of Insurance Commissioners. "Amica Mut Ins Co National Complaint Index Report." Accessed Aug. 17, 2021.