Amica Review [2025]: Premium Coverage, Premium Cost

Amica is a well-established insurance company that has been around since the turn of the century. It has strong customer service ratings and expansive insurance coverage options.

Amica offers a whole host of discounts as well as dividend-paying policies that can help lower your premiums — a feature unique to the company. Amica also ranked second among its competitors in J.D. Power’s 2024 U.S. Auto Claims Satisfaction Study, scoring 746 out of 1,000, compared to the study average of 697.

Even so, the National Association of Insurance Commissioners (NAIC) reports that Amica receives a higher than average number of complaints, and we found that quoted rates are higher than you might find with other insurers. Amica may be the right choice if you can take advantage of its array of potential discounts and dividend program to get your premiums more in line with industry averages.

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

Who is Amica a good option for?

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.

Amica provides many discounts to help you save on your car insurance premiums, including the ability to earn dividends as an Amica policyholder. Amica claims you can get 5-20% back on your annual premium when you hold a dividend policy.

Year founded	1907
Types of coverage	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
Discounts available	Loyalty Homeownership Multi-car Bundling Young driver training Good student Student away at school Legacy Accident-free Defensive driver training Safe driving app Anti-theft devices Electronic stability control Passive restraints Forward collision warnings Adaptive headlights Paid in full AutoPay Paperless
Where you can use it	Amica.com website Mobile app
Customer support	(800) 242-6422 Online chatbot available
Availability	All states except Hawaii
Ratings	BBB - A+ AM Best - A+ J.D. Power - 746

How much does Amica car insurance 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.

According to consumer data site ValuePenguin, Amica’s car insurance rates are, on average, a bit higher than that of other car insurance companies, both for minimum and full coverage policies

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.

What types of auto insurance does Amica offer?

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 provides and what they cover.

• Liability: This covers injuries or damages caused to another driver in an accident that is your fault. Drivers in most states are required to carry some level of liability insurance.
• Comprehensive: Comprehensive car insurance covers the repair and replacement of your vehicle if it is damaged in a non-collision accident, like if you hit a deer or other animal. Damage from theft, vandalism, fire, and natural disasters is also covered.
• Collision: Collision insurance coverage helps pay for the repair or replacement of your vehicle if you are in a collision with another vehicle or stationary object like a fence or light pole. While it usually isn’t required by state law, you may be required to carry it if you are leasing or financing your vehicle.
• Personal injury protection (PIP): This coverage helps cover medical expenses, lost wages, or funeral costs if you or your passengers are injured or killed in a car accident, regardless of who is at fault.
• Medical payments (MediPay): If you or your passengers are injured in a car accident, this covers your medical expenses, regardless of who was at fault for the accident.
• Uninsured/underinsured motorist: If you are involved in an accident with a driver who is uninsured or doesn’t have adequate insurance, this coverage helps pay for injuries or property damage from the accident. Some states require drivers to carry at least protection for bodily injury caused by uninsured or underinsured motorists.
• Roadside assistance: This coverage is helpful if you have a flat tire, need a tow, or your car battery dies and needs a jump-start. Amica’s roadside assistance is available 24/7.
• GAP: This coverage is important to have if you lease or are still making loan payments on your vehicle. If your car is totaled in an accident, GAP insurance will cover the difference between what you owe on it and its actual cash value (ACV).
• Full glass coverage: If your windshield or windows are damaged even by a small chip, this coverage will pay for its repair or replacement.
• Rental reimbursement: This coverage pays for a rental car or other transportation that you may need when your car is in the shop being repaired for a covered incident.

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. 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

Amica discounts

Amica offers several discounts that can help lower the cost of your car insurance. Here are the discounts you may qualify for with Amica car insurance.

• Loyalty discount: If you have been insured with Amica for at least two years, you may be eligible to receive a discount on your car insurance.
• Homeownership: As a homeowner, you could be eligible for a discount on your car insurance, regardless if you insure your home with Amica or not.
• Bundling: Amica provides discounts of up to 30% for policyholders who bundle their car insurance with other Amica insurance products, such as homeowners, renters, or condo insurance.
• Multi-car: You could save as much as 25% on your Amica car insurance if you insure more than one car.
• Young driver training: Drivers under 21 can earn a discount by completing an accredited driver training program.
• Good student: Teenagers and college students can earn a discount by maintaining at least a “B” average in school.
• Student away at school: If you have a full-time student on your car insurance policy, you can earn a discount on your premium if they are away at school without a car.
• Legacy discount: This discount may apply to drivers under 30 whose parents have had Amica car insurance for at least five years.
• Accident-free: If you haven’t had an accident or made a claim for the past three years, you may be eligible for a discount on your Amica car insurance.
• Defense driver training: Drivers who take an online defensive driver course through SafetyServe.com may be eligible for a car insurance discount.
• Enrolling in StreetSmart: You can save up to 20% on your car insurance if you use Amica’s StreetSmart mobile app, which monitors your driving habits. The safer you drive, the more you’ll save.
• Anti-theft: Installing anti-theft devices in your car, like car alarms and GPS tracking systems, can earn you a discount on your car insurance.
• Passive restraints: You can earn a discount just by having working seat belts and airbags in your vehicle.
• Electronic stability control: If your vehicle has electronic stability control to help you handle driving on slick or icy roads, then you may be eligible for a discount on Amica car insurance.
• Forward-collision warning: Vehicles equipped with collision-avoidance features can qualify you for a discount on car insurance.
• Adaptive headlights: Adaptive headlights make driving at night safer because they use electronic sensors to move and illuminate in the direction you steer. If you have these on your vehicle, you could get a discount with Amica car insurance.
• Paid in full: When you pay your annual car insurance policy in full, you get a discount and pay less than you would if you paid your premiums monthly.
• AutoPay and paperless: You can also earn a discount on the cost of your car insurance premiums when you sign up for autopay and paperless statements.

How to maximize savings

Beyond the numerous discounts that Amica offers, there are other ways you could maximize your savings on your car insurance. Some of the steps you could take to lower your premiums include:

• Opt for a dividend policy: As an Amica policyholder, you have the option of choosing a dividend policy or a traditional (non-dividend) policy. By choosing a dividend policy, you can earn between 5 % and 20% back on your annual premiums when certain conditions are met.
• Increase your deductible: Your deductible is the amount you pay out-of-pocket before your car insurance coverage takes over. Having a higher deductible can reduce your monthly premium.
• Improve your credit score: Insurance companies sometimes consider your credit score when determining your rates. A lower score signals to an insurer that you have a higher risk of filing a claim, so you’ll be charged a higher premium. By improving your credit score, you may qualify for better rates when renewing your policy.
• Choose a different vehicle: The car you drive affects your insurance costs. Newer models, sports cars, and vehicles prone to theft typically have higher premiums. You can lower your insurance expenses by switching to a reliable, modestly-priced used car.

How to get an Amica quote

You can get a quote for car insurance from Amica through the company’s website or by calling (800) 242-6422. When getting a quote through the Amica website, you’ll have to answer questions like where you live, what you drive, how much coverage you need, and whether you will bundle your car insurance with a homeowners, renters, or condo insurance policy. After going through the questions, Amica provides you with a quote on the cost for six months of coverage.

FAQs

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, and the company has received more complaints than others. 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.