Amica

• High Financial Strength Rating
• Favorable Company Structure
• Standard Coverage Options
• Many Discount Opportunities

High Financial Strength Rating

Amica has received a high financial strength rating from A.M. Best. This rating shows that you can rely on Amica to be financially stable and likely able to pay claims as needed.

High ratings are important to compete in the insurance industry, so Amica's high rating makes it a dependable choice.

Favorable Company Structure

Amica is a mutually owned insurance company, which means that the company does not have stockholders. Instead, policyowners own part of the company. This structure allows Amica to center all of its decisions on its policyholders without worrying about profits for stockholders.

While Amica is not the only insurer that is mutually owned, this company structure is not common.

Standard Coverage Options

Amica offers the standard coverages for personal car insurance from required coverage to optional coverage. Required coverage includes liability (property damage and bodily injury), personal injury, and uninsured or underinsured motorist (injury and property).

In addition to meeting state requirements for coverage, you can customize your policy with additional protection from the following options:

• Medical payments
• Collision
• Comprehensive (covers damage to your car unrelated to a collision)
• Auto or loan lease coverage (coverage to pay off car loan if car is totaled)
• Full glass coverage
• Roadside assistance
• Rental reimbursement

You can also add an accident forgiveness or good driving rewards rider to your policy. This rider can help you keep your premium rates low even if you are in an accident. Before adding this rider, be sure to understand the terms and definitions.

If you're considering an Amica car insurance policy, you can get quotes online or over the phone. This convenient feature allows you to gauge premium pricing at your convenience.

Many Discount Opportunities

Like most auto insurers, Amica offers lots of discounts. Amica stands out for its loyalty and legacy discounts. The loyalty discount applies if you've been with another insurer for at least two years. The longer you were with your previous insurance provider, the higher your discount. 

Loyalty discounts are commonly offered, but they typically only apply to the length of time a policyholder has been with their current insurer. Amica's offering of the discount regardless of insurer is a nice feature.

The legacy discount applies to children under 30 whose parents have a current Amica auto insurance policy. Parents must have had the policy for at least five consecutive years.

The other discounts offered by Amica are common for the car insurance industry and include the following:

• Homeownership
• Bundling
• Multi-car
• Young driver training
• Good student
• Student away at school
• Accident-free
• Defensive driver training
• Car features (e.g. anti-theft, passive restraints, forward-collision warning)
• Paid in full
• AutoPay
• Paperless

• Limited Customer Reviews
• May Not Offer Rideshare or Mexico Auto Insurance
• Not Available Everywhere

Limited Customer Reviews

Insights on the customer experience are limited because Best Company has not received many Amica auto insurance reviews. However, current reviews rate the company highly and demonstrate customer satisfaction.

May Not Offer Rideshare or Mexico Auto Insurance

From its website, Amica primarily offers personal car insurance. If you're looking for rideshare or Mexico/commercial auto insurance, you may need to find another insurer.

Not Available Everywhere

Amica does not offer its auto policies in Hawaii. If you live in Hawaii, you'll need to consider other companies.