Amica Mutual Auto Insurance Review: Quotes and Service (2022)

Amica is a top-rated insurer according to MoneyGeek’s score of 84 out of 100. It has an excellent discount rating and is above-average for customer satisfaction, stability and complaints. For affordability, Amica is average; but it’s inexpensive for full and minimum coverage, with a ticket and as a young driver. Amica offers glass deductible modification, which is rare among insurers.

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Last Updated: 4/6/2022
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5/5

discounts

4/5

complaints

4/5

satisfaction

4.5/5

stability

3.4/5

affordability


pros

This is an iconCheap car insurance policies
This is an iconOffers rare coverages like glass deductible modification and identity theft
This is an iconExcellent range of discounts

cons

This is an iconNo rideshare insurance
This is an iconDoes not offer deductible modification or better car replacement

Verdict

Amica has above-average customer satisfaction and complaints ratings. It offers cheap policies for full or minimum coverage, when a driver has a speeding ticket and for teenagers or young drivers.

To further explore Amica and other insurers, visit MoneyGeek’s resources on the cheapest and best car insurance companies. You can also use MoneyGeek’s auto insurance company comparison tool to compare Amica with other insurers.

How Does Amica Mutual Rank for Customer Service?

MoneyGeek has created a list of the best car insurance companies based on industry sources such as AM Best, J.D. Power and the NAIC (National Association of Insurance Commissioners). However, Amica doesn’t quite earn a spot among the top 10 providers on this list. Despite this, Amica is still a strong choice for consumers who want low rates and an excellent customer service experience.

Customer Satisfaction Rating

First Notice of Loss:
5/5
Estimation of Process:
4/5
Repair Process:
5/5
Claims Servicing:
5/5
Rental Experience:
4/5
Settlement:
5/5

Based on data provided by J.D. Power, Amica earns a score of 860 out of 1,000 points. This is one of the highest scores among all insurers in the nation, and it indicates that Amica's customer satisfaction reputation is superior to the vast majority of competitors. These star ratings are also derived from J.D. Power's data, showing that Amica excels in several specific areas as well.

Customer Complaint Ratio

Amica Mutual

Amica received a customer complaint index score of 1.34 in NAIC’s 2019 report. The national median is 1.00, which means Amica received a slightly higher number of complaints than the national average.

Amica Mutual Auto Insurance Quotes: How Much Does it Cost?

MoneyGeek gathered quotes from Amica and other insurers in all 50 states and Washington, D.C., and calculated the average rates for sample drivers. In the five states that MoneyGeek has quote data on Amica, its policies are inexpensive, costing $1,262 on average per year.

Amica is cheap for all driver types MoneyGeek considered for this analysis: a driver getting full coverage or minimum coverage, as well as a young driver and a driver with a speeding ticket.

Comparing quotes from different providers helps you find a cheap auto insurance policy that meets your budget. While cost can be a primary consideration, you should also look at financial strength, customer service and complaint ratios, among other factors, before choosing an auto insurance company.

Average Annual Cost of Car Insurance with Amica Mutual versus National Average

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  • Driver Type
    Amica Mutual Average Rate
    National Average
  • Full Coverage
    $1,262
    $1,345
  • Minimum Coverage
    $630
    $768
  • Speeding Ticket on Record
    $1,537
    $1,711
  • 18-Year-Old Driver
    $4,579
    $5,148

Is Amica Mutual Car Insurance Expensive or Cheap? Why?

Amica is cheap for most types of drivers. That is true for drivers who purchase full coverage or minimum coverage. Amica also offers cheap rates to young drivers and those with a traffic violation.

Amica does not use intermediaries to sell its products, which is likely one of the reasons it can offer policies at such inexpensive costs. It has a reputation for providing great customer service.

Insurance companies aren’t always forthcoming about how they price their policies. Regardless of your preferred coverage level or driving profile, Amica offers competitively-priced auto insurance rates.

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Discounts Offered by Amica Mutual That Can Help You Save

By taking advantage of discounts from Amica, you can lower the rate of an already low-cost auto policy. Amica offers common discounts such as bundling, multiple car, good student, safe driving, anti-theft system, paying in full, paperless, defensive driving and airbag. Of all the major auto insurance companies MoneyGeek reviewed, Amica is the only company that offers all of these common discounts.

Amica also offers a number of unique discounts, like being continuously insured, opting for automatic payments or being a homeowner. Additionally, owning a car with advanced safety features gives you a discount, which is very rarely offered by car insurers.

Compare Amica Mutual Directly With Other Car Insurance Companies

MoneyGeek has the necessary resources for comparing Amica with other major car insurance companies in your area. Our comparison tool lets you see how Amica stacks up against the competition regarding customer service, affordability and unique coverages. In addition, the tool points you to more resources that offer extra information about these insurance companies.

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Does Amica Mutual Offer Broad or Unique Coverage?

Like other insurers, Amica offers standard coverages like liability insurance, comprehensive and collision coverage. It also offers some of the most common add-on coverages: roadside assistance, rental car and/or travel reimbursement, accident forgiveness, new car replacement and gap insurance. However, unlike other insurers, Amica doesn’t provide deductible modification or better car replacement coverage.

Glass deductible modification and identity theft coverage are both unique and useful coverages from Amica that are worth the extra charge. If you sustain damage to your car’s windshield or windows, your deductible does not apply for repairs with the glass deductible modification add-on. With identity theft, Amica protects your personal information from fraud. And in case fraud happens, Amica provides assistance.

What Online Auto Insurance Tools Does Amica Mutual Offer?

It’s smart to shop for car insurance by comparing the prices of multiple providers so you can select the best and cheapest coverage. Amica stands out for its superior customer service, excellent rewards and lack of restrictions on repair facilities.

Amica’s website offers useful services and tools such as a rate calculator. You can pay your bills and file a claim online or on the mobile app.

  • Type of Feature
    Description
  • Calculators
    Find out the premium you need to pay for the coverage you select.
  • Online Price Quotes
    Select your state and enter your details to get an instant quote.
  • Online Bill Pay
    You can easily create your account and pay your bill online.
  • Online Claims
    Amica enables you to report and track your claim online.
  • Payment Options
    Enter your account number and ZIP code to make a quick payment.

Other Amica Mutual Insurance Products

Earn a discount by bundling all the insurance policies you have with Amica. Besides auto insurance, this provider offers home, life, umbrella, condo, renters and other standard coverages.

  • Type of Product
    Description
  • Homeowners Insurance
    Amica’s home insurance includes standard coverages, as well as discounts and dividend payments.
  • Renters Insurance
    Renters can safeguard their belongings at an affordable rate.
  • Umbrella Insurance
    Umbrella insurance gives you additional liability coverage for costly and unexpected events. It offers extra protection beyond what your home or auto insurance policy already covers.
  • Condo Insurance
    Protect yourself, your possessions and your home with Amica’s condo insurance.
  • Flood Insurance
    Flood insurance covers your property, home, personal belongings and essential systems.

Financial Strength

AM Best gave Amica an A+ financial strength rating — indicating “superior” company strength — and a stable outlook. This rating addresses a company’s ability to meet its insurance obligations. Clearly, Amica has the financial strength necessary to cover claims.

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How to Make a Car Insurance Claim With Amica Mutual

To report a claim on Amica’s website, you need to create an online account. After you file your claim on the site, a virtual advisor will guide you through the process. You can also use Amica's mobile app or toll-free number to report your claim.

Contact Amica Mutual Car Insurance

Methodology and Assumptions

To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.


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