Amica Car Insurance Review January 2026: Pros, Cons, and Alternatives

Amica Car Insurance Affordability

Amica won’t win any awards for being the cheapest option on the block. The average cost for full coverage from Amica is approximately $300 per month. That’s 42 percent more than the national average cost of car insurance. For liability coverage with minimal limits, you’re looking at roughly $900 annually, which still sits above what many competitors charge.

Full coverage rates for a middle-aged driver with Amica average right around $2,200 per year or roughly $180per per month. Those numbers can fluctuate significantly based on your age, location, driving history, and the vehicle you drive. Younger drivers face particularly steep costs, with teenagers sometimes paying close to $3,000 annually.

The silver lining here is Amica’s generous discount menu. Bundling your auto and home policies together can knock up to 30% off your bill. If you insure multiple vehicles, you could save up to 25%. Other ways to trim your premium include maintaining a claims-free record for at least three years, signing up for autopay, going paperless with your billing, and using their StreetSmart telematics app, which rewards safe driving habits with discounts up to 20%. Homeowners get a break even if their home is insured elsewhere, and there’s a loyalty discount for sticking with any insurer for at least two years before switching. Students maintaining a B average or better are eligible for the good student discount, and drivers under 21 who complete approved training programs get a price break too.

For those willing to pay more upfront, dividend-paying policies can return between 5% and 20% of your premium back to you at the end of the policy term, potentially making the higher initial cost worthwhile over time.

Amica Car Insurance Coverage Options

Amica brings a full lineup of coverage choices to the table, letting you build a policy that matches your situation. All the standard options you’d expect are available: bodily injury liability, property damage liability, collision, comprehensive, medical payments, personal injury protection, and uninsured/underinsured motorist coverage. These form the foundation of any policy, with state requirements determining minimums.

Where things get interesting is with the add-ons and specialty options. Gap insurance helps cover the difference between your car’s value and your remaining loan balance if your vehicle gets totaled, which is especially useful if you’re financing or leasing. Rental reimbursement kicks in when your car is in the shop following a covered incident, keeping you mobile while repairs happen. Roadside assistance provides round-the-clock help with towing, flat tires, dead batteries, lockouts, and fuel delivery.

The Platinum Choice Auto package provides top-of-the-line coverage at an affordable rate. This premium bundle wraps together several valuable perks. Full glass coverage means no more paying an out-of-pocket deductible for glass losses. The identity fraud monitoring service watches your credit files and personal information constantly, alerting you within 24 hours if something suspicious pops up. Prestige Rental Coverage lets you select a similar model to your own automobile, whether it’s an SUV or a premium sedan, with up to $5,000 toward your rental and no daily cap. New car replacement coverage means if your vehicle is totaled within its first year and has less than 15,000 miles, you’ll get a brand new equivalent rather than the depreciated value.

The good driver rewards program within Platinum Choice lets you accumulate points for safe driving, tenure with the company, adding policies, and referring friends. Those points can be used toward accident forgiveness or to reduce your deductible over time. You can add individual components from the Platinum Choice package to a standard policy if you don’t want the full bundle.

Amica recently shifted from 12-month to 6-month policy terms in most states, giving them flexibility to adjust rates more frequently based on market conditions. This change makes it easier to qualify for their paid-in-full discount, but also means your rates could be reviewed more often.

Amica Car Insurance Reliability

When you’re trusting a company with your financial protection, you want to know they’ll actually be there when something goes wrong. AM Best awards Amica Mutual the financial strength rating of A+ (Superior). This second-highest possible rating from the nation’s authority on insurance company stability means Amica has the financial muscle to pay out claims even during major disasters or economic downturns.

In February 2024, AM Best revised the outlook to negative from stable due to a decline in balance sheet strength over recent years. However, AM Best notes that Amica has implemented initiatives that are expected to correct performance gradually, including substantial rate increases in both the auto and homeowners’ lines of business, as well as a renewed focus on profitable geographic areas. The company has been in business since 1907, giving it over a century of experience navigating economic ups and downs.

The Better Business Bureau gives Amica an A+ rating and has accredited the company. Consumer Reports ranked them third among 24 insurance companies in their 2024 survey. The NAIC complaint index, which measures complaints relative to company size, has historically been quite low for Amica, though it did tick up slightly in recent years. The company’s 2024 NAIC complaint index score is 1.03, up from just 0.72 the year before. A score below 1.0 indicates fewer complaints than average for a company of that size.

Amica Car Insurance Customer Service

Customer service is where Amica really shines and separates itself from the pack. Amica received the highest score of 709 in J.D. Power’s 2024 Customer Satisfaction Survey, 45 points higher than the next company. That’s not a one-time fluke either. The company has dominated regional rankings for years, particularly in New England, where it has claimed the top spot consistently.

Phone Support: Customer service representatives are available weekdays from 6 a.m. to 10 p.m. ET and weekends from 7 a.m. to 8 p.m. ET. For claims, representatives are available 24/7. Average call times run around five minutes according to consumer tracking data, with Sunday typically being the best day to call and Friday the busiest. Representatives can help with everything from policy questions to billing issues to starting the claims process.

Digital Support: The Amica mobile app earns solid marks on iOS with a 4.8-star rating in the Apple App Store. The Android version is rated 3.04 out of 5 stars based on 740 ratings. The app lets you pay bills, view policy details, access digital insurance cards, file and track claims, and contact roadside assistance. 

You’ll need to contact a representative to purchase policies or make changes to vehicles, drivers, or coverages. Live chat is available on weekdays from 8 a.m. to 9 p.m. ET and weekends from 10 a.m. to 5:30 p.m. ET. Technical support operates weekdays from 8 a.m. to 10 p.m. ET and weekends from 10 a.m. to 6 p.m. ET.

Third-Party Ratings: The BBB has accredited Amica with an A+ grade. Reviews at the Better Business Bureau are weaker, with Amica averaging 1.28 out of 5 stars. Amica has a 4.4 out of 5 rating on Trustpilot, with many reviewers praising the company’s customer service. Over 6,000 reviews contribute to that score. 

Amica Car Insurance Claims Process

Filing a claim with Amica can happen through multiple channels: online through your account portal, the mobile app, or by calling their 24/7 claims line at 800-242-6422. We’ll assign one of our appraisers to assess the damage to your vehicle and write an estimate for all visible damage. Depending on the loss, they might ask you to submit photos of the damage to complete the appraisal virtually.

The investigation phase involves completing a thorough review of the loss to determine liability, which may include statements from all parties, photos of the loss location, and, if applicable, the police report and witness statements. Once everything is reviewed, payment can be made through Venmo, PayPal, EFT, or a paper check. The company states that it aims to send payments within two days of receiving all necessary documentation.

Amica is good at paying claims compared to the average insurance company, scoring 909 out of 1,000 for its claims process in J.D. Power’s latest claims satisfaction study. They ranked second overall in the 2024 U.S. Auto Claims Satisfaction Study.

Amica Car Insurance Application Process

Getting started with Amica is pretty straightforward. You can begin the quote process online at their website by entering your ZIP code and answering questions about your vehicles, driving history, and current coverage. The online tool walks you through selecting coverage types and limits. However, you’ll need to contact a customer service representative to purchase a policy rather than binding coverage entirely online.

The mobile app allows you to start quotes and manage existing policies, though completing a purchase still requires speaking with someone. Local offices are available in some areas for in-person assistance, though the network isn’t as extensive as larger national carriers. The company provides online calculators and resources to help you understand different coverage options and what protection levels make sense for your situation.

Pros & Cons of Amica Car Insurance

Choosing the right insurer means understanding both what a company does well and where it falls short. Here’s the honest breakdown of what you’ll get with Amica.

Pros

• Consistently ranks at or near the top for customer satisfaction and claims handling across multiple industry surveys.
• Dividend-paying policies can return a portion of your premium, effectively reducing your long-term cost.s
• Platinum Choice Auto package bundles valuable extras like new car replacement, full glass coverage, and identity monitoring.ng
• Strong financial stability with over a century of business history
• Extensive discount options can offset higher base premiums if you qualify for multiple savings

Cons

• Base rates typically run 40% or more above national averages, making it one of the pricier options. ons
• Online and app functionality is limited for policy changes, requiring phone calls for many adjustments .ents
• Not available in Hawaii
• Some customers report frequent rate increases at renewal time
• Physical office locations are sparse, so most service happens remotely

Our Verdict & Rating for Amica Car Insurance

Amica occupies a unique spot in the auto insurance landscape. This isn’t the carrier you choose when you’re hunting for the cheapest possible rate. Instead, it’s the one you pick when you want things done right the first time and handled smoothly when problems arise. The company has earned its stellar reputation through decades of prioritizing customer experience, and the industry rankings back that up year after year.

The premium pricing makes sense when you consider what you’re getting: a mutual company structure where your interests align with the company’s success, the potential to earn dividends back on your premiums, access to top-tier coverage bundles, and a claims experience that consistently outperforms competitors. For drivers with clean records who plan to bundle multiple policies and take advantage of available discounts, the cost gap narrows considerably.

That said, budget-conscious drivers or those who prioritize digital self-service over phone-based support might find better fits elsewhere. If you’re comfortable paying for quality and want an insurer that will treat you well when it matters most, Amica deserves serious consideration.

Who Should Consider Amica?

• Drivers with clean records looking to bundle auto with home or life insurance.
• Homeowners who want a single company handling multiple policy types
• Anyone who prioritizes claims experience and customer service over the lowest possible price
• Young drivers whose parents already carry Amica policies (legacy discount eligibility)
• People who prefer speaking with real representatives rather than handling everything through apps

Who Should Consider Another Provider?

• Budget-focused shoppers for whom price is the primary deciding factor
• Drivers in Hawaii, where Amica doesn’t operate
• People who strongly prefer handling all policy management through digital tools without phone calls
• Those with multiple violations or poor credit who may face particularly steep rates
• Customers who need extensive local office access for in-person service

​​About Our Methodology

We use a weighted scoring system for car insurance reviews. We compared 20 companies on key factors, including their car insurance rates, to inform our ratings. Once we scored each company, we applied a curve based on the best overall product.  Here’s what we look for:

• Financial Strength & Solvency: 20%
• Coverage Options: 10%
• Affordability: 30%
• Claims Process: 20%
• Customer Service: 20%

How Amica Scored

• Financial Stability: 9/10
• Coverage Options: 8/10
• Affordability & Value: 6/10
• Claims Process: 9/10
• Customer Service: 9/10
• Overall: 9.5/10

You can learn more about how each company scored and what curve was applied here:  Car Insurance Reviews.