Amica ranks third nationally, making it one of the top car insurance providers in the nation. The company excels particularly in affordability and coverage options. This ranking reflects a 40-year-old male driver with good credit and no driving violations. Amica's ranking for your profile depends on your coverage needs.
Amica Car Insurance Review
Updated: September 16, 2025
Advertising & Editorial Disclosure
Key Takeaways
Amica ranks 10th for full coverage and 9th for minimum liability coverage with average monthly rates of $137 and $66, respectively.
Amica earns second place nationwide for overall customer satisfaction due to its strong agent service and positive forum reviews from policyholders.
Amica secures fifth place for coverage options, offering unique features like loyalty rewards that reduce deductibles over time and accident forgiveness protection.
Amica Car Insurance Ratings
| Overall Score | 4.36 | 3 |
| Customer Experience | 4.87 | 2 |
| Coverage | 3.87 | 5 |
| Affordability | 4.20 | 5 |
Who Is Amica Car Insurance Best and Worst For?
Amica works best for adult drivers, seniors, drivers with accidents and those with speeding tickets who value excellent customer experience. You shouldn't consider Amica if you have a DUI or bad credit, as rates become expensive.
Compare how Amica stacks up for your unique profile below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100,000 - 1000 comp_coll
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Overall Score | 4.37 | 4 |
Amica Car Insurance Ratings by State
Amica earns top-five rankings in four out of 51 states and territories nationwide. The company stands out as the best overall provider in Rhode Island, where it holds the number one position for insurance coverage and customer satisfaction.
| Connecticut | 0.22 | 2 |
| Massachusetts | 0.23 | 2 |
| New Jersey | 0.23 | 2 |
| Rhode Island | 0.23 | 1 |
*Ratings are based on a 40-year-old male driver with good credit and no driving violations who insures a 2012 Toyota Camry.
Amica Car Insurance vs. Competitors
Here's how Amica's car insurance rates and coverage compare with major national insurers:
Amica vs. GEICO | 4.36 vs. 4.34 | Amica slightly edges out GEICO despite being more expensive due to higher customer experience and coverage scores. |
Amica vs. State Farm | 4.36 vs. 4.16 | Amica outperforms State Farm in our categories of affordability, coverage and customer service. |
Amica vs. AAA | 4.36 vs. 3.79 | Amica outperforms AAA as an overall choice for car insurance. |
Amica vs. Allstate | 4.36 vs. 3.78 | Although Allstate's coverage options are slightly better, Amica earns a higher overall score due to customer service and affordability. |
Amica vs. USAA | 4.36 vs. 4.86 | For military members, USAA outpaces Amica in all categories, though Amica remains a strong overall option. |
Amica vs. Travelers | 4.36 vs. 4.5 | Travelers, while lacking in customer service, has better rates and more coverage options than Amica overall. |
Amica vs. Farmers | 4.36 vs. 3.86 | Amica outperforms Farmers in most categories across all states. |
How Much Does Amica Car Insurance Cost?
Amica car insurance costs $50 to $5,104 monthly, depending on your specific profile and coverage needs. To find the best rate for your situation, check the national costs below by age group, gender, coverage, credit score and driving record.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Female
Select
Credit Alignment:Below Fair
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
Select
Coverage Level:100/300/100,000 - 1000 comp_coll
| $389 | $4,669 | 12% | 11 |
Amica Car Insurance Rates by Driver Category
Amica is one of the cheapest car insurance companies for seniors and drivers with accidents. Drivers with DUIs or bad credit, however, will find much higher rates. Review how affordable Amica is for your driving category below.
| Adult Drivers | $56 | $115 | -6% | 5 |
| Young Drivers | $133 | $275 | -9% | 6 |
| Senior Drivers | $62 | $130 | -17% | 3 |
| Drivers With An Accident | $72 | $146 | -19% | 4 |
| Drivers With A DUI | $169 | $344 | 57% | 15 |
| Drivers With A Speeding Ticket | $70 | $144 | -7% | 5 |
| Drivers With Bad Credit | $192 | $387 | 28% | 14 |
| Drivers With Low Income | $89 | $180 | -0% | 8 |
| Adult Drivers | $57 | $117 | -6% | 5 |
| Drivers With Newer Cars | $86 | $180 | 23% | 10 |
| Drivers With Old Cars | $58 | $121 | 8% | 9 |
*We modified all profiles based on a 40-year-old male driver with good credit and no driving violations, driving a 2012 Toyota Camry. Young drivers are 25 and under, adults 26 to 64 and seniors 65+. We changed the vehicle age to 2007 for older cars and 2025 for newer ones.
Amica Car Insurance Rates by State
Amica's average monthly rates vary from $35 to $152 by state. The provider ranks within the top five most affordable options in four states. See Amica's affordability and pricing in your area below.
| Connecticut | $62 | $131 | -16% | 4 |
| Massachusetts | $35 | $84 | -17% | 3 |
| New Jersey | $86 | $152 | -17% | 4 |
| Rhode Island | $46 | $101 | -26% | 3 |
*Rates are based on a 40-year-old male driver with good credit, no driving violations and a 2012 Toyota Camry.
Amica Car Insurance Discounts
Amica offers 18 car insurance discounts, with average savings of up to 30% depending on your driving profile, involvement in programs and your area. Check out its offerings:
Multi-Policy/Bundle | Up to 30% | Bundle auto with home, umbrella, life, renters, condo or motorcycle insurance | Available nationwide |
Multi-Car | Up to 25% | 2+ vehicles on same policy | Available nationwide |
StreetSmart Telematics | Up to 20% | Download mobile app to track driving habits and demonstrate safe driving behaviors | Varies by state |
Accident-Free | Variable | No claims for past 3 years with at least one driver having 39+ months driving experience | Available nationwide |
Good Student | 20% | Full-time high school or college students ages 15-25 with B average or higher | Available nationwide |
Homeowner | Variable | Own a home (even if insured elsewhere) | Available nationwide |
Continuous Insurance | Variable | Continuous insurance with any company for 2+ years (more years = more savings) | Available nationwide |
Legacy | Variable | Drivers under 30 whose parents had Amica auto policy for 5+ consecutive years | Available nationwide |
Student Away at School | Variable | Full-time student living away from home without vehicle access | Available nationwide |
Young Driver Training | Variable | Drivers under 21 who complete accredited driver training program | Available nationwide |
Defensive Driver Training | 12% | Complete approved defensive driving course | Ages vary by state |
Anti-Theft Device | 18% | Vehicle equipped with approved anti-theft devices like car alarms or GPS tracking | Available nationwide |
Electronic Stability Control | Variable | Vehicle equipped with electronic stability control system | Available nationwide |
Passive Restraints | Variable | Vehicle equipped with factory-installed passive restraint devices | Available nationwide |
Forward-Collision Warning | Variable | Vehicle has forward-collision warning system | Available nationwide |
Adaptive Headlights | Variable | Vehicle has specialty headlights for low-light driving safety | Available nationwide |
Paid in Full | Variable | Pay entire policy premium upfront | Available nationwide |
Paperless/E-Policy | Variable | Receive bills and policy documents electronically | Available nationwide |
Amica Car Insurance Customer Reviews and Reputation
Amica earns second place for customer experience in MoneyGeek's comprehensive customer satisfaction study. Customers appreciate the company's responsive agents and user-friendly digital tools, though some policyholders report longer-than-expected claim resolution times.
The following sections break down buying, policy management and claims process experiences based on MoneyGeek's research.
Buying Process Experience
Amica offers direct purchasing through its website and phone, with knowledgeable customer service representatives who can explain coverage options thoroughly. The online quote process is straightforward and provides competitive rates for the coverage levels offered. As a mutual company, Amica doesn't use aggressive sales tactics or commission-driven agents.
Policy Management
Amica's website and mobile app provide comprehensive policy management tools with a clean, user-friendly interface. The digital platform handles most routine tasks efficiently, including payments, coverage adjustments, and document access. Customer service representatives are available for more complex changes and are consistently rated highly for helpfulness and knowledge. The company's mutual structure means policy dividends may be returned to members during profitable years, though this isn't guaranteed.
Claims Experience
Amica consistently ranks among the top insurers for claims satisfaction, with a reputation for fair handling and prompt resolution. Claims can be reported 24/7 through phone or the mobile app, and adjusters are known for being thorough but reasonable in their assessments. The company's smaller size compared to industry giants means more personalized attention during the claims process. Repair shop networks are solid but may be more limited in some regions compared to larger national insurers.
Amica Car Insurance Industry Customer Satisfaction Ratings
Amica ranks well for financial strength from all industry rating agencies, as well as in J.D. Power studies. Here are Amica's scores from industry agencies.
AM Best Financial Strength | A+ (Superior) | A++ to D- | Superior ability to meet financial obligations and pay claims |
AM Best Long-Term Credit Standing | aa- | aaa to d | High credit quality with negative outlook |
S&P Global Financial Strength | N/A | AAA to D | Not rated |
Moody's Financial Strength | N/A | Aaa to C | Not rated |
NAIC Auto Complaints | 0.98 | 1.00 is average | Slightly fewer complaints than expected |
J.D. Power Digital Service Experience | 724/1,000 | 1,000-point scale | Above average (2nd place) |
J.D. Power Auto Claims Satisfaction Study | 746/1,000 | Out of 1,000 | Well above average, 2nd place overall |
J.D. Power Overall Customer Satisfaction | 735/1,000 | Out of 1,000 | Places 1st in only region ranked (New England) |
NAIC Auto Complaints | 1.31 | 1.00 is average | Slightly higher complaints than expected |
Amica Car Insurance Reddit and Forum Customer Satisfaction
Amica customers on Reddit and online forums consistently praise the company's exceptional customer service, fair claim handling and genuine care for long-term policyholders, valuing the personal touch and lack of pushy sales tactics. However, common concerns include higher premiums than budget insurers, limited availability in some states and fewer digital features compared to tech-forward competitors, though most members feel the superior service justifies the cost.
Here's what real customers are saying about their experiences on forums:
Pricing and Value
Higher premiums but customers often feel the service quality justifies the extra cost:
"Amica costs about 20% more than GEICO quoted me, but after dealing with their claims service when someone hit my parked car, I understand why. The peace of mind is worth every penny."
Claims Processing
Consistently excellent claim experiences with fair, prompt settlements:
"Filed my first claim with Amica after 15 years and wow, they handled everything perfectly. Fair settlement, professional adjuster and they even recommended a great body shop. This is why I pay a little extra."
"Amica settled my total loss claim quickly and fairly. No lowball offers, no fighting over coverage. The adjuster actually seemed to be on my side, which was refreshing."
Customer Service
Outstanding customer service that makes customers feel valued and heard:
"Called Amica with a coverage question and talked to a knowledgeable human immediately. No phone tree, no hold time, just helpful service. They treat you like a person, not an account number."
Digital Experience
The Amica mobile app receives solid ratings with 4.8 out of 5 on the Apple App Store and 3 out of 5 on Google Play. While functional, some customers note it's less feature-rich than competitors:
"Amica's app handles the basics well - paying bills, viewing policies, accessing ID cards. It's not as flashy as some competitors, but it's reliable and does what I need."
Trust and Reputation
Exceptional customer loyalty with many viewing Amica as a premium, trustworthy choice:
"Amica consistently ranks at the top for customer satisfaction, and I can see why. They've earned my loyalty through years of treating me fairly and honestly."
Coverage Options
Solid coverage options with helpful guidance from knowledgeable representatives:
"Amica offers all the standard coverage options plus some nice add-ons. What I appreciate most is they help you choose what makes sense instead of trying to oversell you on everything."
"Coverage options are comprehensive without being overwhelming. My agent actually helped me reduce some coverage I didn't need, which saved me money. Not something you'd expect from most insurers."
REVIEWS ON FORUMS AREN’T A PERFECT GAUGE
Negative reviews dominate forums and don't reflect overall service quality. For a complete picture, combine user reviews with industry resources like J.D. Power, independent agents, the National Association of Insurance Commissioners (NAIC) and the Insurance Information Institute.
Amica Car Insurance Coverage Options
Amica provides standard auto insurance coverage like other top insurers, including liability, comprehensive and collision protection. Additional add-ons from the company include:
Gap Insurance | Pays the difference between your car's actual cash value and remaining loan or lease balance if totaled | $20-40 per six-month policy; Available for new cars only; Much cheaper than dealer financing |
Roadside Assistance (Towing & Labor) | 24/7 help with towing, flat tires, dead batteries, lockouts, fuel delivery, getting unstuck | Up to $100 per incident; Available through mobile app; Around $20 per year |
Full Glass Coverage | Repair or replacement of windshield, windows, and auto glass without deductible | No deductible for glass claims; Lifetime guarantee on replacements; Access to vetted repair shops |
Uninsured Motorist Property Damage | Covers vehicle damage when at-fault driver has no insurance or insufficient coverage | Optional in most states; Recommended to match liability limits; May have deductible in some states |
Additional protection when using your vehicle for Uber, Lyft, DoorDash, or other commercial services | State availability varies; Fills coverage gaps in personal policies; Covers waiting periods | |
Covers rental car costs while your vehicle is being repaired after a covered loss | $20 per day, up to $600 total; Includes public transportation; Requires comprehensive or collision coverage | |
Medical Payments (MedPay) | Covers medical expenses for you and passengers after an accident, regardless of fault | Includes ambulance fees and funeral expenses; No deductible; Supplements health insurance |
Personal Injury Protection (PIP) | Comprehensive coverage for medical expenses, lost wages, rehabilitation, and other costs after an accident | Required in some states; Broader than MedPay; Covers income replacement |
Other Amica Insurance Coverage Options to Consider
You can bundle these insurance types with your auto policy or buy them separately:
Who Offers It? | Insurance Products |
|---|---|
Amica (Directly Offered) | Auto insurance, home insurance, motorcycle insurance, boat insurance, RV/travel trailer insurance, renters insurance, condo insurance, umbrella insurance, life Insurance (term and whole Life), annuities, home business coverage |
Third-Party Partner | Small business insurance (through Hiscox Group), pet insurance, flood insurance, wedding/event insurance |
Amica Auto Insurance Review: Bottom Line
Amica is a strong choice for car insurance, ranking best in affordability, customer experience and coverage. In MoneyGeek's provider study, Amica ranks second for full and minimum coverage.
Compare quotes from multiple insurers, research your coverage needs and choose the right coverage level before purchasing.
Amica Car Insurance Reviews: FAQ
Here are MoneyGeek’s expert answers to frequently asked questions about Amica car insurance:
Does Amica insurance have a good reputation?
Yes, Amica is a legitimate car insurance company that secured third place in our comprehensive car insurance provider rankings. The insurer excels particularly in customer experience, achieving top-tier performance among competitors.
Where is Amica the best car insurance company?
Amica is the best car insurance company in one out of 51 states and territories, including:
- Rhode Island
How much does Amica car insurance cost on average?
Amica's average annual cost for adults is $788 for minimum coverage and $1,640 for full coverage. Amica's rates range from $595 to $21,214 for state minimum and $1,205 to $42,047 for full coverage.
Is Amica known for denying claims?
Customer feedback suggests Amica maintains solid claim-handling practices without widespread denial patterns. Reviews indicate reasonable processing times and fair settlements, though individual experiences vary by claim complexity and circumstances.
Note: This represents limited information based primarily on forum reviews.
Is Amica a good option for high-risk drivers?
Yes, Amica offers competitive rates for several high-risk driver categories. Amica ranks fourth overall for drivers with accidents and fifth for drivers with speeding tickets, making it an affordable choice for these situations.
Does Amica raise car insurance rates over time?
Yes, Amica raises car insurance rates over time due to inflation driving up repair and medical expenses, plus increased claims from distracted driving and severe weather events. Rate adjustments also reflect updated risk assessments for your location, regulatory changes, and personal factors like credit score shifts or age-related risk category changes.
Is Amica good for young drivers?
Young drivers should consider other options since Amica ranks 6th for affordability in this demographic.
How We Rated Amica Car Insurance
MoneyGeek pulled auto insurance rate data from Quadrant Information Services and compared prices from 79 insurers in every U.S. ZIP code.
Standard Driver Profile Used for Analysis
We used a baseline driver profile to ensure consistent rate comparisons. Our standard driver has these characteristics:
- Age: 40 years old, male
- Vehicle: 2012 Toyota Camry LE
- Driving history: Clean record
- Annual mileage: 12,000 miles
- Credit rating: Good
- License status: Valid and active
- Insurance history: Currently covered with no previous claims
We then modified specific variables, including age, driving record, credit score and military status, to determine which insurers offer the best rates for different driver categories. Our minimum coverage rates represent policies meeting state-required minimums. Full coverage includes 100/300/100 liability limits plus comprehensive and collision coverage with $1,000 deductibles.
Company Rating System
Our evaluation process weighted three key factors:
- Cost (60% weight): We compared quotes across multiple driver profiles within each city, measuring how competitively each insurer prices its policies against local competitors.
- Customer satisfaction (30% weight): We analyzed customer feedback from multiple sources, including Google reviews, J.D. Power ratings, AM Best scores and online forums like Reddit, to assess overall service quality and customer experience.
- Coverage variety (10% weight): We evaluated each provider's coverage options, considering the breadth of available policies and any unique benefits or features.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Apple App Store. "Amica Ratings and Reviews." Accessed September 16, 2025.
- Google Play. "Amica - Apps on Google Play." Accessed September 16, 2025.