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Amica is pricey, there's no doubt about that. But the higher-than-average premiums offered by this major insurer may be worth it for some drivers given the level of customer service Amica provides, as evidenced by its high scores across a range of studies and assessments.
Amica offers a whole host of discounts as well, and even offers dividend-paying policies that can help lower your premiums — a feature unique to the company — so you may be able to get a more affordable policy than expected.
Amica car insurance is a good option for drivers who are looking for coverage options beyond basic liability. It is especially attractive if you lease your vehicle or are still making loan payments because it offers Guaranteed Asset Protection (GAP) insurance coverage. Not many car insurance companies offer this.
How we evaluate products
FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.
Amica pros and cons
- Numerous discounts that can help you save money on car insurance
- Highly rated for customer service
- Policyholders have the option of choosing dividend-paying policies, which can help lower premiums
- Premiums are a bit high
- No mechanical breakdown coverage
- No local agents
How much does Amica cost?
The cost of car insurance through Amica varies depending on the driver. Insurance companies look at several different factors when assessing how much to charge for coverage. These factors include a driver's age, gender, occupation, education, marital status, credit scores, vehicle, number of people on the policy, and driving frequency.
The biggest factor influencing the cost of car insurance premiums is risk. Drivers who are seen as having a higher risk of getting into an accident or skipping their payments usually have to pay more than less-risky drivers.
As you can see in the data below, Amica's rates are higher than the national average across driver and coverage types.
| Driver type | Amica liability-only monthly premium | Amica full-coverage monthly premium |
| Clean driving record | $146 | $269 |
| Speeding ticket on driving record | $216 | $399 |
| At-fault accident on driving record | $227 | $419 |
| DUI on driving record | $211 | $389 |
| Teen driver | $204 | $377 |
| Senior driver (60s) | $107 | $197 |
| Senior driver (70s) | $107 | $198 |
| Data sourced from Insurify | ||
Compare these numbers to the national averages below to get an idea of just how much more expensive Amica is:
| Driver type | National average liability-only monthly premium | National average full coverage monthly premium |
| Clean driving record | $105 | $192 |
| Speeding ticket on driving record | $141 | $265 |
| At-fault accident on driving record | $146 | $274 |
| DUI on driving record | $166 | $313 |
| Teen driver | $194 | $364 |
| Senior driver | $85 | $160 |
| Data sourced from Insurify | ||
Is Amica car insurance good?
Company ratings:
- AM Best: A+
- J.D. Power claims satisfaction: 746/1,000 (study average 697)
- BBB: A+
- NAIC complaints: 0.57 (Private Passenger)
Yes, Amica may be a little more expensive than most insurers, but it also comes in very strong on all the metrics of customer satisfaction and financial strength we look at when reviewing an insurer.
It gets an A+ from AM Best, indicating the company's ability to pay up on claims and financial obligations to customers. The Better Business Bureau likewise gives the insurer an A+ rating, and the company ranked second among the providers assessed in J.D. Power's 2024 U.S. Auto Claims Satisfaction Study, scoring 746 against the study average of 697. Only NJM outperformed Amica, scoring 782.
Similarly impressive is Amica's complaint index from the National Association of Insurance Commissioners (NAIC). The NAIC complaint index compares insurance providers based on how many complaints they receive relative to a given year's study average across the industry. The NAIC calculates this by dividing the company's share of complaints by the total countrywide, with the national index set at 1.00, which means that a company with an index of 2.00 would have twice the expected number of complaints.
Amica's index of 0.57 means that the company receives roughly half the number of complaints one would expect relative to its competitors — certainly something worth noting if you're looking for a positive customer experience.
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Discounts
Amica provides many discounts to help you save on your car insurance premiums. In addition to the discounts listed below, as an Amica policyholder, you have the option of choosing a dividend policy or a traditional (non-dividend) policy. By choosing a dividend policy — Amica claims — you can get 5-20% back on your annual premium when certain conditions are met.
| Discount | Does Amica have it? | GEICO | Nationwide |
| Loyalty | Yes | No | No |
| Multi-policy/bundling | Yes | Yes | Yes |
| Multiple vehicle | Yes | Yes | Yes |
| Airbag | Yes | Yes | No |
| Anti-lock brakes | No | Yes | No |
| Anti-theft | Yes | Yes | Yes |
| Safe driver | Yes | Yes | Yes |
| Good student | Yes | Yes | Yes |
| Away-from-home student | Yes | Yes | No |
| New car | No | Yes | No |
| Pay in full | Yes | Yes | Yes |
| Automatic payments | Yes | Yes | Yes |
| GAP insurance | No | No | No |
| Senior | No | No | No |
| Military | No | Yes | No |
| Defensive driving course | Yes | Yes | Yes |
StreetSmart
StreetSmart is Amica's free telematics app that measures driving behaviors such as hard breaking, speeding, and phone distraction over 91 days of continuous driving. Drivers are then rewarded with a policy discount upon renewal.
Customers get a flat 10% off just for registering for the app, but Amica claims you could earn as much as 20% off your premium. Those who choose to register and use the app can also earn and redeem e-gift rewards from popular retailers based on their driving score.
Average rate:
Coverage
Amica offers a range of auto insurance coverages beyond just liability insurance. Most states require drivers to carry bodily injury and property damage liability insurance, and the required coverage varies by state.
Other coverage options such as collision, comprehensive, uninsured motorists, and personal injury protection (PIP) are usually not required but may still be important to have if you are involved in an accident.
Here are the different types of auto insurance options that Amica offers:
- Bodily injury liability
- Property damage liability
- Comprehensive
- Collision
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Uninsured/underinsured motorist
- Roadside assistance
- Guaranteed asset protection (GAP)
- Auto glass
- Rental reimbursement
- Ridesharing & delivery driving
Amica vs. competitors
Amica is a little more expensive than many of its competitors, but it also scores higher on customer satisfaction than many of its competitors. With Amica, it's very much a case of getting what you pay for.
Even so, that doesn't mean the company is the best choice for you. Consider price alongside customer satisfaction, discount options, available coverage, and other factors like agent availability to make sure the insurer you choose can provide everything you need.
Amica, for example, does not use local agents, whereas a company like GEICO may employ multiple agents in a geographical area. Here's how Amica compares to its competitors on price, specifically:
| Company name | Average monthly full coverage | Average monthly liability-only coverage |
| USAA | $99 | $46 |
| GEICO | $118 | $55 |
| State Farm | $119 | $55 |
| Allstate | $132 | $62 |
| Progressive | $148 | $101 |
| American Family | $157 | $72 |
| Nationwide | $181 | $85 |
| Travelers | $191 | $90 |
| National average | $199 | $105 |
| Farmers | $236 | $110 |
| Liberty Mutual | $250 | $169 |
| Data sourced from Insurify | ||
Amica vs. GEICO
Amica's average monthly premium for liability-only coverage with a clean driving record is $146. Compare that to GEICO's monthly average for liability coverage of just $55. That's nearly $100 cheaper than Amica.
Amica is likewise more than double the price of GEICO for full-coverage, registering a monthly average premium of $269 with a clean driving record, compared to GEICO's average of $118. That being said, it's worth noting that Amica significantly outscored GEICO in J.D. Power's 2024 U.S. Auto Claims Satisfaction Study, with the former scoring 746 out of 1,000 and the latter scoring 692, a few points below the study average of 697.
Amica vs. Nationwide
The gap in cost between Amica and Nationwide, another big name in the industry, is a little less significant. Nationwide charges an average monthly premium of $85 for liability-only coverage and $181 for full-coverage policies.
Nationwide is closer in rank to Amica than GEICO on the J.D. Power study, scoring 728 and ranking fourth compared to Amica's second-place finish. Again, you can see that you may be paying more with Amica, but you may also have a better experience if you ever need to make a claim.
Other insurance products from Amica
Besides auto insurance, Amica offers a number of other insurance products, some of which can be bundled with your car insurance to save money. Amica claims you can lower your premiums by up to 30% when you bundle your Amica car insurance with Amica homeowners, renters, condo, umbrella, or life insurance.
Amica's other insurance products include:
- Homeowners insurance
- Life insurance
- Condo insurance
- Renters insurance
- Motorcycle insurance
- Umbrella policies
- Flood insurance
- Small business insurance
- Marine (boat) insurance
FAQs
How do I contact Amica?
Amica can be contacted by online chat, phone, mail, and an online email contact form. Check out Amica's contact page for full info, but Amica's primary phone contacts for auto customers is as follows:
- Customer Service: 800-242-6422 | Weekdays: 6 a.m. - 1 a.m. ET | Weekends: 7 a.m. - midnight ET
- Auto claims: 800-242-6422 | Available 24/7
Is Amica a reputable insurance company?
Yes, Amica is a reputable insurance company. It has earned high ratings with the BBB, AM Best, and J.D. Power. AM Best, which rates insurance companies on their ability to meet their obligations, gives Amica an A+ Superior financial strength rating. In J.D. Power's 2024 U.S. Auto Claims Satisfaction Study, Amica ranks second as the car insurance company with the best overall customer satisfaction, scoring 746 out of 1,000.
Who is Amica Insurance owned by?
Amica Insurance Company is owned by its policyholders. As an Amica policyholder, you can choose a dividend policy that enables you to earn up to 20% back on your annual insurance premiums if the company is profitable.
Bottom line
Amica offers a wide range of coverage options and discounts, making it a solid choice for drivers seeking comprehensive protection. Its strong customer service ratings and unique dividend-paying policies set it apart from many competitors.
Amica is also a great option for drivers who lease or finance their vehicles because it offers GAP insurance that can help cover the difference between the car's value and what they still owe.
However, Amica's premiums tend to be higher than average. If cost is a concern, Amica provides many discounts and bundling options to help you save money, but that's something you can also find at most of the best car insurance companies.
Average rate:
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