Amica Car Insurance Review

Founded in 1907, Amica is the nation’s oldest mutual insurer of automobiles. With a market share of only .57 percent, it may not be as well known as some other car insurance companies, but it has a great reputation for customer service. It has been recognized by J.D. Power for high levels of customer satisfaction for 17 years in a row, making it an auto insurer worth another look.

How Does Amica Auto Insurance Rate?

Consumer Satisfaction Rating

These ratings are from the J.D. Power 2016 U.S. Auto Insurance Claims Satisfaction Study. The highest score for each category is five stars. The Amica Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy. Check with your insurance agent for more information.

Overall Satisfaction
First Notice of Loss (FNOL)
Service Interaction
Repair Process
Rental Car Experience
(how well company settles claims)
Customer Complaint Ratio

The National Association of Insurance Commissioners (NAIC) collects complaint information from state insurance regulators. The national median complaint ratio is 1. A score of less than 1 means a company has a lower than average number of complaints, while a score higher than 1 means it has more than average. The Amica Insurance Company subsidiary rated here may not be the subsidiary that underwrites your insurance policy.

Last Updated: July 2017

Financial Strength Rating

A Best’s Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance obligations. It is not a warranty of a company’s financial strength and ability to meet its obligations to policyholders. View our Important Notice: Best’s Credit Ratings for a disclaimer notice and complete details at

Financial Strength is rated on a scale of D (poor) to A+ (superior). A rating notch of either a second “+” or a “-“ indicates the gradation of financial strength within the category. We can’t guarantee that the subsidiary of Amica Insurance rated here is the subsidiary that will underwrite your insurance policy. Check with your insurance agent and review A.M. Best’s Financial Strength Rating Guide for more information.

Best’s Credit Ratings™ are under continuous review and subject to change and/or affirmation. For the latest Best’s Credit Ratings™ and Best’s Credit Reports which include Best’s Credit Ratings™), visit the A.M. Best website at See Guide to Best’s Credit Ratings™ for explanation of use and charges.

Best’s Credit Ratings™ reproduced herein appear under license from A.M. Best and do not constitute, either expressly or impliedly, an endorsement of or its recommendations, formulas, criteria or comparisons to any other ratings, rating scales or rating organizations which are published or referenced herein. A.M. Best is not responsible for transcription errors made in presenting Best’s Credit Ratings™. Best’s Credit Ratings™ are proprietary and may not be reproduced or distributed without the express written permission of A.M. Best Company.

Source A.M. Best
Rating A+

Effective Date: February 2017

Website Features
  • Rate calculator
  • Mobile app
  • Pay bill online
  • Make claim online

Pros and Cons of Amica Car Insurance


  • Amica scored a five out of five in claims satisfaction among policyholders in the 2016 J.D. Power U.S. Auto Insurance Claims Satisfaction Study.
  • The online Amica Advisor helps you find the appropriate amount of insurance coverage by walking you through an assessment of your vehicle and assets.
  • The online quote generator makes it easy to adjust coverage amounts to compare premiums, and works better than similar tools from some competitors.
  • Amica has a lower than average number of customer complaints (as reported in the NAIC customer complaint report).


  • The online quote generator may subtly try to upsell you from your current level of insurance coverage by putting the tab with the “recommended” coverage and premium on top.
  • Unlike some companies, Amica’s towing and labor coverage doesn’t offer a range of choices—you can either choose coverage at the $100 level or go without.
  • As a mutual insurance company, Amica offers both dividend and non-dividend policies. While this might appeal to some drivers, it also adds a level of complexity to the insurance-shopping process that could prove more confusing than helpful to a less savvy insurance shopper. If you’re interested in comparing the two, you will have to call an agent to determine what’s available in your state.

Amica Car Insurance Coverage

Amica’s auto insurance stands out for its higher coverage limits. For example, where another car insurance company might offer a maximum of $250,000/$500,000 bodily injury liability coverage, Amica offers a $500,000/$1 million level of coverage. Amica also offers some nice extras through a package called Platinum Choice Auto.

Amica allows policyholders to carry higher limits on some of the standard coverage options than permitted by some other insurance companies. And if you have comprehensive (also called other than collision or OTC) coverage, you can include additional options like full glass.

Bodily injury liability

Amica offers BI limits that run from the state minimum all the way up to $500,000 per person/$1 million per incident. At some other insurance companies you would need to take out an umbrella policy in order to reach the million-dollar level that Amica offers.

Property damage liability

As with the bodily injury liability coverage, Amica makes a $1 million level available for property damage liability, which is higher than a lot of insurance companies.

Uninsured motorist

If you choose uninsured motorist coverage, the limit can’t be higher than your bodily injury liability coverage. If you pick a higher level, the online quoting tool will automatically adjust your BI coverage to match the UM coverage.


Amica collision coverage deductible options begin at $100 and run up to $5000. You can choose not to include this coverage.

Other than collision (Comprehensive)

If you select OTC coverage you can choose between a $0 deductible all the way up to a $5000 deductible. You can also opt for additional coverage such as full glass and rental reimbursement.

Amica offers some nice optional coverage choices, such as a prestige rental reimbursement. Other options are related to Amica’s identity as a full-line property and casualty carrier and aren’t limited solely to auto insurance.

Full glass coverage

If you have comprehensive coverage, you’re given the option to include full glass coverage on your policy. This means your deductible will be waived if you need to replace your windshield or car door windows.

Rental reimbursement

You can choose the level of coverage you want for your rental reimbursement, from a lower level of $20/day with a total of $600, all the way up the $5,000 prestige rental level.

Good driving rewards

Through the Platinum Choice Auto program, you can add good driving rewards coverage to your policy. This allows you to earn Amica Advantage points (through a good driving record or by bundling Amica insurance policies, for example) and apply them to surcharges or deductibles to reduce your costs.

Identity fraud monitoring

An option more commonly associated with home insurance policies, identity fraud monitoring will alert you if unusual activity is seen on your credit accounts. It also provides you with assistance from a fraud specialist should you become a victim of identity fraud.

Available Discounts on Amica Car Insurance Coverage

Amica offers a long list of discounts, many of which are the commonly offered by insurance companies—like savings for bundling policies or for having more than one car on the policy. But other Amica discounts serve to reward the type of behavior that is valued by an insurance carrier, such as the loyalty discount.

Type of Discount Description
Multi-line discount You can save up to 15 percent if you also have a home insurance policy with Amica. Adding on a qualifying life insurance policy may save you even more.
Multi-car discount Insuring two or more cars with Amica will earn you a discount.
Loyalty discount You may see savings on your premium if you stay with Amica for a number of years.
Tenure discount If you have been a long-time client of your carrier before moving to Amica, this is the discount for you.
Legacy discount This discount can be awarded to someone who’s under 30 and starts their own policy with Amica after being on a family member’s Amica insurance policy.
Paid in full discount Pay your entire annual premium up front and you’ll see a discount.
E-discount Sign up for an online account and e billing and get a discount.
Automatic payment plan discount Set up automatic payment through your bank account or credit card and you’ll get another discount.
Anti-theft devices discount If your car has an alarm or vehicle recovery system installed, it will reduce the cost of your comprehensive coverage.
Airbags discount Lower rates apply to vehicles with factory-installed airbags. You can get even greater savings with side airbags.
Electronic stability control discount Earn a discount if your car has a factory-installed four-wheel electronic stability control system.
Driver’s training discount This discount is designed for new drivers who take driver’s education classes.
Defensive driver and accident prevention class discounts Some driving classes can earn you extra savings with Amica. But always check with your agent first because there are restrictions that vary by state.
Good student discount Discounts are available if students maintain a B average or better in high school or college.
Student away at school If your young driver is more than 100 miles away at school and doesn’t have a car, you may qualify for this discount.

How to Make a Car Insurance Claim with Amica

You can file a claim online with Amica, but unlike some other auto insurance companies, you will need to have an online account to do so. If you don’t have an account, you can create one on the spot and then report your claim. Once you do, a virtual advisor on the Amica website will walk you through the process. If you’d rather make the claim over the phone, you can call Amica’s toll-free claims number. Claims can also be reported using the Amica mobile app.

How to Contact Amica Car Insurance

  • Customer Service Phone Number 800-242-6422
  • Claim Phone Number 800-242-6422
  • Email Fill out their online form here
States Served
Updated: July 28, 2017