This is an iconTop-notch customer service quality
This is an iconOnline advisor helps find the right amount of coverage based on your car and assets
This is an iconCompare premiums with the online quote generator and find the most affordable coverage


This is an iconMay deny coverage to drivers it deems risky
This is an iconThe online quote generator may try to upsell by “recommending” coverage upgrades
This is an iconConsumers need clarification on the difference between dividend and non-dividend policies

How Does Amica Mutual Auto Insurance Rate?

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:
Estimation of Process:
Repair Process:
Claims Servicing:
Rental Experience:

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.

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.


Amica Mutual Insurance Features

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
  • 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.

Amica Mutual Auto Coverage

Amica's standard coverage includes bodily injury liability, property damage liability, uninsured motorist, collision and comprehensive.

  • Type of Coverage
  • Collision
    Collision coverage helps repair your vehicle after an auto accident.
  • Personal Injury Protection
    This is a required coverage in some states. It pays for your medical costs and those of your passengers, regardless of who’s responsible for an accident.
  • Uninsured
    Some states require this coverage, which pays for medical and repair costs when an uninsured or underinsured driver hits your car.
  • Liability
    Liability coverage pays the other driver’s medical and repair costs if you are responsible for an accident.

Optional Insurance Features and Coverage

Amica’s optional insurance features include prestige rental reimbursement, full glass coverage, good driving rewards, identity fraud monitoring and more.

  • Type of Option
  • Rental Reimbursement
    Rental reimbursement pays for your transportation expenses while your car gets repaired after an accident.
  • Roadside Assistance
    This covers the costs of towing, tire changes, lockouts, jumpstarts and fuel delivery.
  • Accident Forgiveness
    Earn “Advantage Points” that can reduce your expenses if you’re in an accident.
  • Auto Glass Repair
    This coverage pays for broken windshields and windows. There is no deductible if you choose this feature as an optional coverage.
  • New Car
    New car coverage replaces your totaled car with a new vehicle. Your car must have less than 15,000 miles and be less than one year old to be eligible.

Available Discounts on Amica Mutual Car Insurance Coverage

Amica presents a long list of standard discounts, as well as others like the loyalty discount, to encourage its policyholders to become long-term customers.

  • Type of Discount
  • Defensive Driver
    Taking an approved driver safety course will help you earn this discount.
  • Driver Training
    This discount is provided for new drivers who complete driver's education classes.
  • Good Student
    Amica offers this discount to full-time college or high school students in the age group of 15–25 years who maintain a "B" average or higher.
  • Multi Vehicle
    Insure two or more cars to earn this discount.
  • Family
    Amica's family discounts include young driver training, good student, student away at school and parental loyalty rewards.

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
  • 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.

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 and the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.