Amica Auto Insurance Review – Something for Everyone
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When it comes to insurance coverage, Amica auto insurance is one of the strongest car insurance companies you can trust.
8/10
Customer satisfaction
8/10
Cost
8/10
Customer service
8/10
Features
8/10
Amica may not be an insurance company with a catchy television commercial you are familiar with. Still, the Rhode Island-based company has operated for more than 100 years and is the oldest auto insurer in the nation. It doesn’t need earwig jingles: Its A.M. Best A+ rating, customer satisfaction praise, and experience in all realms of insurance make it a leader. If you haven’t heard of Amica yet, it’s time to learn.
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What is Amica auto insurance?
Amica, founded in 1907, stands for Automobile Mutual Insurance Company of America and offers home, life, and auto insurance. Here, we’re focusing on what it can give you in terms of protection for your vehicle and anyone injured in car accidents.
Its coverage options include:
- Medical payments for you and your passengers
- Personal Injury Protection (PIP)
- Bodily Injury Liability
- Property Damage
- Uninsured/Underinsured Motorist Bodily Injury and Property Damage
- Collision
- Comprehensive
- Lease Coverage
- Full glass coverage
- Roadside Assistance
- Accident Forgiveness/Good Driving Rewards
- Gap coverage
The company topped J.D. Power's 2023 U.S. Auto Claims Satisfaction Study.
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How does Amica work?
The website’s online platform is easy to use. Add your zip code to ensure Amica provides coverage in your area.
From there, you’ll enter your contact information and age. Next, provide details about the car you need to insure and your driving history. Then you will be asked to describe your current insurance company. Finally, you can select ways to save through available discounts.
And that’s it! It will finalize a quote based on this information (which will be confirmed if you purchase the insurance). In the quotes provided, you will have three options for the prices available for Basic, Standard, and Recommended insurance.
Click on the Customize button, and you’ll be able to change different aspects of coverage. Hit recalculate to see how those changes can affect your price.
How much does Amica cost?
All auto insurance companies have rates that vary by the coverage you select. Amica considers your age, driving history, where you live, and the age of your car. Then, it provides an insurance quote based on the combined coverage.
Amica breaks down the quote into three tiers: Basic, Standard, and Recommended.
In its Basic plan, I was quoted $1,462 for six months, or $244 per month, with coverage options that looked like this:
- Bodily injury liability: $50,000 for one person, $100,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured/underinsured motorists' bodily injury: $50,000 per person, $100,000 per incident
- Medical payments: $1,000 per accident
- Collision deductible: $1000
- Other than collision deductible: $1,000
- Roadside Assistance: Not covered
- Rentals: Not covered
The Standard plan quoted me a price of $1,608 for six months, which comes out to $268 per month. This is what coverage looked like:
- Bodily injury liability: $100,000 for one person, $300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured/underinsured motorists' bodily injury: $100,000 per person, $300,000 per incident
- Medical payments: $2,000 per accident
- Collision deductible: $1000
- Other than collision deductible: $1,000
- Roadside Assistance: $100 per disablement
- Rentals: $1,200 maximum
- Uninsured motorist property damage: Not covered
As you can guess, the Recommended plan was the most expensive. My monthly premium was $297, or $1,763 over six months. Coverage-wise, I was offered the following:
- Bodily injury liability: $250,000 per person/$500,000 per accident
- Property damage liability: $100,000 per accident
- Uninsured/underinsured motorists' bodily injury: $250,000 per person/$500,000 per accident
- Medical payments: $5,000 per accident
- Collision deductible: $1000
- Other than collision deductible: $1,000
- Roadside Assistance: $100 per disablement
- Rental limit: $1,500 maximum
- Uninsured motorist property damage: Not covered
You can build and choose to reach your comfort zone in monthly payments, although you receive a discount if you can pay for the six months in full.
Insurance discounts available
- Bundling: You can save up to 30% if you bundle your car insurance with homeowners’, renters', life, or umbrella policies.
- Multiple cars: If you have multiple cars, you can save up to 25%.
- Young drivers: Drivers under 21 who complete an accredited driver training program
- Good students: High school or full-time college students between 15 and 25 receive a discount if their grades are a B average or higher.
- Legacy and loyalty: If your parents used Amica for five years or more and you are under 30 and enrolling for the first time, you can receive a legacy discount. You'll also receive loyalty discounts if you have been with Amica for at least two years.
- Accident-free: Discounts are available if you are claim-free for three years or more
- Defensive driver training: You can receive a discount if you have taken an approved course.
- Safety features: Cars with anti-theft, electronic stability control, passive restraints like airbags, forward-collision warnings and detection devices, and adaptive headlights receive discounts.
- Payment: You can save on your premium if you pay it in full, enroll in AutoPay, and select paperless bills and documents.
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Amica features
Amica provides the following features beyond the must-haves offered by every auto insurer.
Platinum Choice auto package
This premium package includes glass repair or replacement without a deductible, prestige rental car coverage with no daily limit and a $5,000 maximum so you can rent a car similar to your own, new car replacement coverage for a totaled car if your car is less than a year old with 15,000 miles. Credit monitoring service is offered as a bonus feature to keep you safe from identity fraud.
Accident forgiveness/good driving rewards
Not every car insurance provider offers a forgiveness program. Amica does. With your rewards, Advantage Points, you can lower your costs if you are in an accident and reduce or eliminate your deductible.
Rental reimbursement
This doesn't just apply to a rental car if you cannot drive your car; this covers ridesharing, taxis, trains, and buses.
Roadside Assistance
This 24/7 feature provides towing (if unrelated to an accident), flat tire changes, battery jump starts, gas delivery, and unlocking doors.
Various policies
Amica is more than auto insurance. You can insure practically everything in your life through this provider. Insurance products include:
- Homeowners Insurance
- Condo insurance
- Renters Insurance
- Marine insurance
- Motorcycle Insurance
- Wedding and special events insurance
- Small business insurance
- Annuity life insurance
- Flood Insurance
Car Connection
Amica also features a product similar to Kelly Blue Book by featuring a way to search for a car you'd like to buy and see the price others have paid for it, so you are prepared to negotiate the best price at the dealership. The platform is connected to Amica partner dealers where you can purchase new and used cars directly.
Who is Amica best for?
Those who are looking for the best customer experience. Customer satisfaction is high at Amica, with policyholders exclaiming the claims process is a breeze.
Those who need gap coverage. Not every auto insurer offers gap coverage, which can cover you if you lease a car and it gets totaled. Gap coverage will pay the remaining balance you owe beyond the cost of the car or the damages.
Who shouldn’t use Amica?
Rideshare drivers. Amica offers many insurance, but rideshare insurance isn’t one of them.
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Amica vs. competitors
Insurer | A.M. Best rating | J.D. Power 2023 auto claims satisfaction score | Gap coverage |
Amica | A+ | 909/1,000 | Yes |
Geico | A++ | 871/1000 | No |
State Farm | A++ | 891/1000 | No |
Nationwide | A+ | 875/1000 | Yes |
Geico
Geico is one of those aforementioned insurers we know due to its commercials with the Geico Gecko. It also happens to be one of the best in terms of cheaper car insurance. Even though Amica and Geico are evenly matched in many areas, Amica is ranked No. 1 in the J.D. Power claims satisfaction study.
State Farm
Like Amica, State Farm offers several options to customize your coverage, but unlike Amica, it doesn’t offer gap insurance, which could be a deal-breaker if you’re leasing a car or have a large auto loan.
Nationwide
Another strong competitor is Nationwide, which also offers several options for coverage, including the gap coverage option. It, too, has multiple discounts, including its Family Plan multi-line and Good Driver programs.
Pros and cons of Amica
Pros
- Discounts. Amica offers all sorts of discounts, including those for good students and bundling your car insurance with home insurance, renters insurance, and even pet insurance.
- Full breadth of products. Amica offers all the typical coverage options, but you can add more specific needs, such as roadside assistance, car rental reimbursement, or an umbrella insurance policy.
- Bunding options. Amica offers homeowners insurance policies, pet insurance, small business insurance, and so many more that they are a great copy to bundle your policies and serve as an all-in-one provider.
Cons
No rideshare coverage. Just about the only thing Amica doesn't yet cover is anyone who drives for Uber, Lyft or other rideshare companies.
The bottom line
When it comes to insurance coverage, Amica Auto Insurance is one of the strongest car insurance companies you can trust. It has good financial strength and 100+ years in the business, and Amica customers love the company and tout it as a good company when dealing with insurance claims. Amica Mutual Insurance Company is worth a look.
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Director of Content
Lissa Poirot is Joy Wallet’s Head of Content and an award-winning journalist and editor with a focus on finance, travel and health. Her work has appeared online and in print, and she has often been cited as a source on both. She currently resides in Pennsylvania.
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