Established in 1907, Amica (The Automobile Mutual Insurance Company of America) was introduced to the insurance industry long before many of its competitors. The company's headquarters are located in Lincoln, Rhode Island, although they were originally housed in Providence upon its founding. While it is unclear how many employees the company houses, there are 44 offices across the country-a dynamic number in comparison to other companies. Its popularity has grown over the years, especially after it appeared on Fortune 1000 in the year 2007.

Rank Chart Our Score User Score
#1 7.9 6.3 Read Review
#2 7.8 5.6 Read Review
#3 7.7 2.2 Read Review
#16 4.2 -- Current

The Good

  • Coverage features
  • Discounts
  • File/track claims
  • Service coverage

Coverage Features

Amica coverage features can be broken down as follows:

  • Liability
  • Uninsured
  • Rental glass
  • Roadside
  • Bodily injury


  • Multi-line
  • Multi-car
  • Homeowner
  • Loyalty
  • Tenure
  • Legacy
  • Paid in full
  • Ediscount
  • Autopay
  • Antitheft
  • Airbag
  • Electronic stability control
  • Drivers training
  • Defensive driver classes
  • Good student
  • Student away at school

File/Track Claims

Amica customers can both file and track claims online through an Amica account. Customers can also update their profile, make payments, print ID cards, and e-sign documents online.

Service Coverage

Amica provides insurance to residents in 49/50 states, with Hawaii being the exception.

The Bad

  • Coverage restrictions

Coverage Restrictions

If you have been licensed to drive for less than three years, Amica does not offer a plan for you. This is unfortunate for families with adolescents who have just begun to drive or for those who simply could not be licensed earlier for other reasons.

The Bottom Line

Amica does all that is possible in order to provide customers with a wide variety of discounts. They have all the standard coverage options and additional coverage options as well. Plus, their wealth of experience is hard to beat, and they are on top of their customer service game. These qualities make Amica reliable and convenient and definitely a company to look into.

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