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19 User Reviews

6.0

Overall Score

As one of the oldest mutual car insurers, Amica is a reliable choice. It has high financial strength ratings and offers competitive coverage with plenty of discount opportunities.

Read Amica Auto Insurance Reviews

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The Good

  • 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
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The Bad

  • 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.

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The Bottom Line

While more reviews are needed to assess the customer experience, Amica is a dependable option for car insurance. The insurance provider has a long history in the industry, high financial strength ratings, and a company structure that prioritizes its policyholders. Amica's car insurance coverage and discounts are also competitive.

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Star Rating

4.9

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19 Reviews

Review Breakdown

5 grade

89%

4 grade

5%

3 grade

5%

2 grade

0%

1 grade

0%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Review Source

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Summer Devon New Britain, CT

Been with them for more than 20 years for home, car, and umbrella insurance and have never had a problem with getting a claim done quickly and easily, even after a huge storm that affected the entire region. Their people are friendly and professional -- and more than once have helped us lower our rates. Amica is a bit more expensive than other companies but they've never raised our rates after claims (even the year we had two cars in accidents)

9 months ago

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Review Source

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Taylor Siren Gilbert, AZ

The customer service at Amica it is like nine you’ll ever find anywhere else. They are kind hearted and will make sure that you get great insurance that will protect you or your family

2 years ago

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GM

New Customer. Easy to do business with; tech was knowledgable &courteous; cost was reasonable; dividend policy available

1 year ago

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Sherwin Levinson

About as close to perfect as can get. In one incident, adjustor fixed car and didn't count as incident against me.

1 year ago

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innkeeper

I love everything about his company. Customer service beyond reproach, always helpful and accessible.

2 years ago

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J.D. Boca Raton, FL

They have responded whenever I called.I never have had a problem with their service.

2 years ago

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Steven A LeBeau Vienna, VA

Dividend earned with safe driving, great response to issues, bundling worthwhile too

2 years ago

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Mike Danville, CA

They are customer oriented; respond quickly; are fairly priced. Excellent customer service.

3 years ago

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Doug Crozby

Great. I have been with them for over 50 years. Always above and beyond when I need them.

3 years ago

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Mark K J Robinson

the best at costumer service, connecting with the customer

1 year ago

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Emory Denver, CO

Excellent. Very good and prompt service.

1 year ago

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Paul Y.

Excellent service; easy to file claim; prompt response.

1 year ago

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Anthony Hamboyan Burlington, MA

Great Customer service. always there when you need them.

1 year ago

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Stephen S Tempe, AZ

lowest ,friendly, no extra fees.good service

2 years ago

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Patricia Tifft

Service is outstanding, have home insurance with them also.

3 years ago

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Carol Carlson

If I need help, they respond immediately.

3 years ago

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Austin Adair

Been with them for several years. I am frustrated that each year our premiums increase.

3 years ago

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Denise Wolfe

Always friendly when I call w/questions, but premiums are a little high.

3 years ago

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Job Toll

Quick claims resolution. Handle everything over the phone

3 years ago

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