MoneyGeek scores Amica 4.36 out of 5 overall, good for third place nationally. Customer experience is its highest-rated category at 4.86. Scores reflect a 40-year-old male driver with good credit and a clean record. Your results will differ based on your profile.
Amica Car Insurance Review
Updated: June 3, 2026
Advertising & Editorial Disclosure
Key Takeaways
Amica ranks 10th for full coverage and ninth for minimum coverage, with average monthly rates of $137 and $66.
Amica ranks second nationwide for customer satisfaction. Agent service scores and positive forum reviews back up that ranking.
Amica ranks fifth for coverage options. Its loyalty rewards program lowers your deductible over time, and accident forgiveness is available as an add-on.
Amica Car Insurance Ratings
| Overall Score | 4.36 | 3 |
| Customer Experience | 4.86 | 2 |
| Coverage | 3.86 | 5 |
| Affordability | 4.19 | 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 customer experience, where Amica ranks second nationally. You shouldn't consider Amica if you have a DUI or bad credit, as rates become expensive.
Data filtered by:
Adult Drivers
Female
100/300/100,000 - 1000 comp_coll
Below Fair
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 across the nation. The company is the best overall provider in Rhode Island, holding the number one position for insurance coverage and customer satisfaction.
| Connecticut | 4.32 | 2 |
| Massachusetts | 4.55 | 2 |
| New Jersey | 4.62 | 2 |
| Rhode Island | 4.68 | 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 scores in customer experience and coverage. |
Amica vs. State Farm | 4.36 vs. 4.16 | Amica outperforms State Farm in affordability, coverage and customer service. |
Amica vs. AAA | 4.36 vs. 3.79 | Amica outscores AAA 4.36 to 3.79. |
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 | USAA outpaces Amica in all categories for military members. For everyone else, Amica's 4.36 overall score still puts it 3rd nationally. |
Amica vs. Travelers | 4.36 vs. 4.5 | Travelers scores higher than Amica overall with better rates and more coverage options, but trails in customer service. |
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 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:
Adult Drivers
Female
Below Fair
At Fault Accident ($1000-$1999 Prop Dmg)
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 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.
| 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.
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 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.
Buying Experience
Amica offers direct purchasing through its website and phone, with knowledgeable customer service representatives who can explain coverage options in detail. The online quote process is straightforward, and quotes reflect the coverage level you select. As a mutual company, Amica doesn't use aggressive sales tactics or commission-driven agents.
Policy Management
Amica's website and mobile app cover most policy management tasks 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 earn high marks 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 ranks among the top insurers for claims satisfaction. The company has a reputation for fair settlements and prompt resolutions. Claims can be reported 24/7 through phone or the mobile app, and adjusters are known for being fair and thorough without dragging out the process. The company's smaller size compared to industry giants means more personalized attention during the claims process. Repair shop networks are available nationwide but more limited in some regions than those of larger national insurers.
Amica Car Insurance Industry Customer Satisfaction Ratings
All major rating agencies have scored Amica, and it ranks well in J.D. Power studies.
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 | 0.35 | 1.00 is average | 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) |
Amica Car Insurance Reddit and Forum Customer Satisfaction
Amica customers on Reddit and online forums praise the company's customer service, fair claim handling and agents who don't push add-ons. Complaints focus on higher premiums than budget insurers and limited availability in some states. Reviewers also note fewer digital tools compared to larger competitors. Still, most reviewers say the service quality is worth the higher cost.
Here's what customers say:
Pricing and Value
Higher premiums, but most customers say the service quality is worth it.
"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
Customers report fair settlements and prompt processing.
"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 rates 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
Many long-term customers say Amica has earned their loyalty through consistent, fair treatment.
"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
Amica offers standard coverage types plus add-ons, with agents who help you choose without pushing extras.
"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 coverage.
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; For new cars only; Much cheaper than dealer financing |
Roadside Assistance (Towing and 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 coverage 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) | Covers 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, home, motorcycle, boat, RV/travel trailer, renters, condo, umbrella, life (term and whole), annuities, home business coverage |
Third-Party Partner | Small business (through Hiscox Group), pet, flood, wedding/event |
Amica Auto Insurance Review: Bottom Line
Amica ranks third nationally for car insurance. Its strongest category is customer experience, where it places second. It ranks fifth in both affordability and coverage options. In MoneyGeek's study, Amica ranks 10th for full coverage and ninth for minimum coverage.
Amica Car Insurance Reviews: FAQ
Does Amica insurance have a good reputation?
Yes. Amica earned third place in MoneyGeek's car insurance rankings. It scores highest in customer experience, placing second nationally in that category.
Where is Amica the best car insurance company?
Amica is the best car insurance company in 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, with minimum coverage ranging from $595 to $21,214 a year and full coverage from $1,205 to $42,047.
Is Amica known for denying claims?
Customer feedback shows Amica has good claim-handling practices with no widespread denial patterns. Reviews show reasonable processing times and fair settlements, though individual results vary by claim complexity.
Note: This represents limited information based primarily on forum reviews.
Is Amica a good option for high-risk drivers?
Yes. Amica ranks fourth for drivers with accidents and fifth for drivers with speeding tickets. That puts it among the more affordable options for high-risk drivers.
Does Amica raise car insurance rates over time?
Yes. Like all insurers, Amica adjusts rates over time as inflation raises the cost of repairs and medical care. More claims from distracted driving and severe weather push premiums higher, too. Amica also updates rates based on your location, credit score and age, as well as any regulatory changes in your state.
Is Amica good for young drivers?
Young drivers have better options. Amica ranks sixth for affordability in this age group.
How We Rated Amica Car Insurance
MoneyGeek used rate data from Quadrant Information Services, which covers 79 insurers across every U.S. ZIP code.
Our Standard Driver Profile
We used a baseline driver profile for consistent rate comparisons. Our standard driver:
- 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
- Insurance history: Active policy, no prior claims
We then modified variables including age, driving record, credit score and military status to find which insurers offer the best rates for different driver categories. 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.
How We Score Car Insurance Companies
Our evaluation process weighted three factors:
- Cost (60%): We compared quotes across multiple driver profiles in each city and checked how each insurer priced its policies against local competitors.
- Customer satisfaction (30%): Ratings from Google, J.D. Power and AM Best, plus forum feedback from Reddit and similar sites, gave us a picture of how each insurer handles service and claims.
- Coverage variety (10%): Each provider's policy range and available add-ons determined this score.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.
Sources
- Apple App Store. "Amica Ratings and Reviews." Accessed June 21, 2026.
- Google Play. "Amica - Apps on Google Play." Accessed June 21, 2026.