Amica Auto Insurance Review 2024
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Amica
Discounts
Ease of use
NAIC complaints
Amica
Discounts
Ease of use
NAIC complaints
Amica earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.
Founded in 1907, Amica is the oldest mutual auto insurer in the United States owned entirely by its policyholders. While it may not be one of the nation’s largest insurers, the company is mighty when it comes to customer service.
» MORE: Best Car Insurance Companies
Where Amica stands out
Low customer complaints. Amica has fewer customer complaints compared to other companies of its size.
Dividend-paying policies. Amica lets customers choose between a traditional and dividend-paying policy. Although dividend-paying policies may cost more upfront than a traditional policy, they can help you save money over time.
Where Amica falls short
State availability. Policies are sold in most states, with a few exceptions. Amica does not sell auto, home or renters insurance in Hawaii. Home and renters insurance are also not available in Alaska.
Compare to other insurers
Current Product
|  |  |
|---|---|---|
NerdWallet rating 4.5 /5 | NerdWallet rating 5.0 /5 | NerdWallet rating 5.0 /5 |
Complaints to NAIC Fewer than expected | Complaints to NAIC Fewer than expected | Complaints to NAIC Far fewer than expected |
Ease of use Above average | Ease of use Above average | Ease of use Above average |
Discounts Great set of discounts | Discounts Average set of discounts | Discounts Great set of discounts |
Bottom line Low consumer complaints and a wide variety of policy perks and discounts make Amica a great choice for good drivers. | Bottom line With generous coverage and discounts for good driving habits, State Farm is a popular insurer with fewer complaints compared to other large competitors. | Bottom line People who need several insurance policies may benefit from the convenience and discounts of bundling them with Auto-Owners, which has many coverage options and few customer complaints. |
Amica auto insurance coverage
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Amica offers the standard menu of auto insurance coverage, but you can also buy additional coverage as needed for an extra fee. Though details vary by state, options generally include:
Gap coverage. This coverage pays out when the amount on your car loan or lease is greater than the value of your vehicle at the time it’s declared a total loss.
Rental reimbursement coverage. If your car is in the shop due to a covered loss, this coverage will pay for a rental car.
Identity fraud monitoring. This service monitors your credit files and personal information, plus provides access to a fraud specialist if your identity is stolen.
Full glass coverage. You pay no deductible for glass repairs or replacement.
Prestige rental coverage. You get up to $5,000 toward the rental of a comparable car if yours is in an accident.
New car replacement. You’ll receive a new car if your vehicle is declared a total loss. This only applies if your car is less than a year old and has less than 15,000 miles.
Good driver rewards. This program allows you to earn points for good driving, the amount of time you’re with the company, adding other insurance policies and referring new customers. Points can be used toward:
Accident forgiveness, which prevents a price increase if you get in a crash.
Disappearing deductible, which reduces or eliminates your deductible.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.Nerdy Tip: Amica sells a package called Platinum Choice Auto that includes credit monitoring, full glass coverage, prestige rental coverage and new car replacement coverage. So if you’re interested in getting all the bells and whistles and live in a state where this package is offered, you can purchase that policy instead of each coverage option a la carte.
Additional policy option. As a mutual insurance company, Amica does not have investors or stockholders; the policyholders own the company. As such, along with a wide variety of coverage, Amica offers customers the choice between buying traditional or dividend-paying policies.
Depending on your state and the type of policy you're getting, you may be able to pay extra upfront for a dividend-paying auto, home, marine or umbrella liability policy. By doing so, you'll likely receive a portion of what you paid into your policy back every year. And although this option may cost more initially, you'll typically spend less on a dividend-paying policy than a traditional policy over time.
» MORE: Compare car insurance rates
Auto insurance discounts
You may be able to save on Amica’s auto insurance by:
Staying with Amica for at least two years.
Being claims-free for the past three years.
Having multiple policies with Amica (bundling).
Insuring multiple vehicles with Amica.
Paying your premiums using autopay.
Paying your premiums on time and in full.
Choosing to receive policy information and bills electronically.
Owning a home.
Having a car with an approved anti-theft system.
Having a car with an electronic stability control feature.
Having a car with automatic restraints, like air bags.
Having a car with a collision-avoidance feature.
Having a car with adaptive headlights.
Taking an approved defensive driver course.
Being a young driver (or having one on your policy) who completes an approved driver training program.
Meeting Amica's requirements for a good student.
Being a student (or having one on your policy) who is away at school and stores their vehicle at home.
Being younger than 30 and having parents who've had Amica auto insurance for five years or more.
First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.
Pricing based on tracked driving habits
StreetSmart by Amica is a free app that monitors driving behavior and suggests ways you could improve your driving. Using and enrolling in the app means you could receive up to a 10% discount on your policy. The app rewards safe driving with points that can be redeemed for gift cards to popular retailers.
StreetSmart is available in Arizona, Colorado, Connecticut, Georgia, Illinois, Indiana, Kansas, Maine, Maryland, Minnesota, Missouri, New Hampshire, New Mexico, Ohio, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Vermont, Virginia and Wisconsin. Both current and new policyholders are eligible to enroll.
Amica life insurance
Amica offers both whole and term life insurance policies.
Level term life insurance is available for 10-, 15-, 20-, 25- or 30-year terms. The price stays the same throughout the term, and you can buy from $100,000 to more than $1 million of coverage. You may not need a medical exam for approval.
The company also offers whole life insurance, with policies starting at $25,000 in coverage.
Depending on your state, both term and whole life policies may offer terminal illness riders, which allow the policyholder to access some of their death benefit if they become terminally ill.
» MORE: Amica life insurance review
Complaints and customer satisfaction
Amica had fewer than the expected number of complaints about auto insurance to state regulators relative to its size, according to three years’ worth of data from the National Association of Insurance Commissioners.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.More about Amica insurance
Website: Amica’s website offers many explainers, FAQs and a clear rundown of coverage options. You can log in to file and track claims, pay bills, print ID cards, sign documents and see or update policy details.
Mobile app: Amica’s apps for iPhone and Android let you report and track claims, make payments, read your policies, view auto insurance ID cards and get roadside assistance.
Amica homeowners and renters insurance
The company offers standard homeowners insurance coverage in most states, as well as some unconventional upgrades. To learn more, read our Amica home insurance review.
Amica also offers renters insurance. You can read more about coverage options in our Amica renters insurance review.
Other insurance from Amica
Amica offers a variety of other insurance products, including:
Condo insurance.
Flood insurance.
Marine insurance.
Motorcycle insurance.
RV and travel trailer insurance.
Umbrella insurance.
Amica also sells insurance through third parties, including:
Pet insurance.
Small-business insurance.
Wedding and event insurance.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2021-2023. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
Auto insurance ratings methodology
NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines and full ratings methodology for auto insurance.
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