Amica (Amica Mutual Insurance Company) is one of the top car insurance companies of 2023, according to first-hand reviews analyzed by Jerry’s research team.

Jerry

experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

Here’s a breakdown of how our verified Amica policyholders ranked Amica:

4.1

72 Reviews

5 Stars

61.11%

4 Stars

12.5%

3 Stars

15.28%

2 Stars

1 Star

11.11%

So, is Amica a good insurance company?

Yes—especially for affordability and customer service.

Our experts analyzed lots of Amica reviews, and customers had great things to say! We found that 89% of our respondents had positive feedback, while just 3.5% were negative. To put that into perspective, the national average is 64% for positive reviews and 18.5% for negative reviews.

The good: Customers enjoy Amica’s low costs and the ease of speaking with customer service. Plus, Amica offers special discounts in addition to their wide range of standard discounts.

The other side: Drivers without clean driving records have higher rates, but that’s true of almost any insurance company.

Jump to:

Amica Car Insurance Reviews

Amica Pros and Cons

To gather our research, we asked Amica policyholders to rate the company on cost, claims experience, customer service, and the renewal process.

See how Amica’s ratings compared to the national average of all companies surveyed below:

Criteria	Amica's Rating	Industry Average
Overall	4.5	4.1
Cost / Price	4.2	3.8
Claim Experience	5	3.5
Customer Service	4.5	4
Renewal Experience	5	4

Amica is one of the nation’s oldest auto insurance companies, and they’ve expanded their coverage to cover drivers from coast to coast (just not Hawaii).

When we evaluated Amica’s strengths and weaknesses, we looked at how other industry leaders rated Amica and at how our survey respondents replied. Here’s how Amica stacks up against the national average for other insurance companies in the US:

Critera	Amica	Score Out Of
BBB Rating	A+	A+
NAIC Rating	1.95	6
Clearsurance	4.24	5
A.M. Best Rating	A+	A++
IOS App Store Rating	4.8	5
Google Play Store Rating	4.5	5

Please note* that a greater NAIC score indicates increased risk.

Amica car insurance reviews

Ratings are one thing, but real-life reviews are another! Take a look at some reviews from actual Amica car insurance customers:

Amica pros and cons

Taking our national insurance customer satisfaction survey and the public third-party ratings available for Amica, here’s an overview of some pros and cons of buying a car insurance policy through Amica:

Pros

Autopay option

Highly-rated customer service

Affordable policy rates for many drivers

Additional options like rental coverage

Offers a wide range of insurance coverages

Tons of discounts not offered by other providers

Roadside assistance

Cons

Policies aren’t available in Hawaii

Online quotes aren’t available in all states

Is Amica the right insurance company for you?

Amica is typically one of the best car insurance companies for:

Drivers looking to

bundle home and auto insurance

Drivers with a speeding ticket or accident history

Drivers with a safe driving history

Remember: Amica won’t provide the best rates for everyone but they offer a variety of discounts that you might qualify for.

Amica provides insurance in all contiguous states and looks after customers with 24/7/365 customer care. They offer common car insurance products like standard auto, along with home insurance and specialty coverage like motorcycle or marine insurance.

Click on the buttons below to see the breakdown of our analysis of Amica’s car insurance services.

Is Amica car insurance expensive?

Overall, Amica customers are happy with their rates! Keep in mind that Amica policies could be higher due to individual risk factors.

Looking closely at our survey results, only 4% of the Amica members surveyed mentioned cost. Of those people, all of them had positive reviews!

When we compared Amica to other insurance companies of similar size, Amica placed 13th overall for policy cost satisfaction and scored 4.2 stars out of 5—well above the national average of 3.81. Here’s how Amica compared to the other companies in our study:

Amica Policy Cost Rating	Ranking	Industry Average
4.2	13	3.8

Keep in mind: Car insurance rates are different for everyone since they’re based on individual driving habits and location. Here are the factors Amica uses to

calculate insurance premiums

Age

Gender

Driving record

ZIP code

Insurance history

Driving experience

Type and

coverage requirements

Vehicle make, model, and year

Each state lets auto insurance companies use different rating factors to calculate insurance costs, although you’ll notice general cost trends by state. According to our data, here’s how Amica trends:

MORE:

The average cost of car insurance in 2023

Amica cost reviews

Check out how real Jerry users rated Amica based on cost.

Will Amica raise your rates?

Like all insurance carriers, Amica can only increase your premium

upon renewal

Here are some of the reasons your rate might go up with Amica:

New violations or tickets

New accidents

New location

New vehicle on a policy

New driver on a policy

Inflation

Age

According to our survey, 21% of drivers with an Amica auto insurance policy chose to renew at the end of the policy term.

Don’t forget: Insurers often change how they price their policies so it’s normal for your annual premium to fluctuate over time—even if nothing has changed with your driver profile.

Does Amica resolve claims fast?

Amica doesn’t list how long it takes to resolve a

car insurance claim

, but their website says they’ll handle claims “as quickly and efficiently as possible.” On our Jerry survey of drivers, Amica customers gave them top marks for claims processing.

You can submit an Amica claim online or on the phone with their insurance agents. These are typically the steps you’ll take:

Report the claim

Ask questions of the adjuster and schedule a vehicle inspection

Get an estimate for repair costs following the inspection

Get towing or vehicle repairs if needed

Work with Amica if you need a rental car

After you file a claim, Amica will keep you updated on the settlement process. Like most insurance companies, Amica tries to quickly resolve claims to minimize the disruption to your life.

According to 22% of our survey respondents who filed a claim with Amica, the company came in 1st for claims satisfaction among other insurance companies of a similar size. The company also got a 5/5 for claims and resolutions, so clearly Amica customers are happy with their claims processing.

Amica Claims Resolution Rating	Ranking	Industry Average
5	1	3.5

Does Amica have good customer service?

Yes—Amica has a reputation for great customer service.

Amica customers scored the company’s customer service a 4.5 out of 5. Since the national average is 3.9 for customer service, Amica goes above and beyond for its customers.

Amica Customer Service Rating	Ranking	Industry Average
4.5	7	4

Respondents to our survey enjoyed being able to speak to an agent on the phone and noted how helpful and kind the customer service agents were.

Amica Customer Service Reviews

Check out how real Jerry drivers rated Amica based on customer service below.

Amica car insurance discounts

Most car insurance companies offer discounts, but Amica offers an impressive range of

insurance discounts

and perks.

Always check for discounts before you sign a new car insurance policy since credits and deductions can really add up. You’ll usually see discounts for good driving, bundling policies, or taking driving courses. But you can also get good student discounts or loyalty rewards for staying with the same insurance company.

Here are some discounts you may be eligible for with Amica:

Student away at school discount

: Catch a break on your premium when a qualified student on your policy is away at school over 100 miles from home without a car.

Good student discount

: High school or college students who maintain a “B” average can enjoy a sweet discount.

Defensive driver training: Take an approved

defensive driving course

and get a discount on your premium.

Multiple vehicle discount: Insure more than one car with Amica and get up to 25% off your policies.

Paperless discount: Get a reduced policy rate when you sign up for paperless billing.

Bundling auto and more discount: Get up to 30% off your premium when you bundle your auto insurance with renters or

homeowners insurance

, umbrella insurance, or life insurance policies.

Parent loyalty discount: Enjoy a legacy discount if you’re under 30 years old and your parent has been insured with Amica for at least five years.

Loyalty discount: Amica rewards you with a discount if you’ve been insured continuously (with any auto insurer) for the past two years.

Keep in mind that Amica can adjust these discounts at any time and eligibility might change. Check with Amica to learn about their current discounts.

Amica coverage options

Insurance needs are different for everyone and each state requires different coverage. Fortunately, Amica offers a variety of

car insurance types

Basic

liability coverage

: Most

states require that you carry liability

to pay for damages caused to others if you’re at fault in an accident. You’ll see liability broken into

bodily injury liability coverage

, which covers the cost of others’ medical bills, and

property damage liability coverage

, which takes care of damaged property.

Collision coverage

: This coverage pays for damages and repairs to your vehicle if you’re in an accident. It doesn’t matter whether or not you were at fault. Keep in mind that you will have to pay an

insurance deductible

to file a collision coverage claim.

Comprehensive coverage

: Comprehensive insurance takes care of damages caused by natural accidents, extreme weather, or even

car theft

. Again, you will have to pay a deductible.

Uninsured/underinsured motorist coverage

: If you’re in an accident caused by someone else who doesn’t have any or enough liability insurance, uninsured motorist coverage looks after you. Some states even require it.

Personal injury protection (PIP)

: This no-fault coverage is required in

no-fault states

. It pays for medical expenses, rehabilitation programs, funeral expenses, lost wages, and loss of services.

Amica’s additional tools and services

Amica also offers additional options, but coverage can vary by region. Check with Amica insurance agents to see if they offer the following add-on policies:

Medical payments

: You might see this referred to as MedPay. It’s an optional insurance product that helps pay for medical or funeral expenses for you, your family, or your passengers.

Full glass repair coverage: Enjoy peace of mind knowing that you won’t have to pay a deductible to replace your windshield if it gets cracked.

Roadside assistance

: This is sometimes called towing and labor coverage. You’ll get 24/7 roadside assistance that covers towing, fuel delivery, battery services, locksmith services, and more.

Rental reimbursement coverage

: If you have to pay for a rental car or public transit after you submit a claim and await vehicle repair, rental coverage helps pay for these bills.

Auto/loan lease coverage (

gap insurance

): If your new car is totaled, gap insurance takes care of the difference between the

actual cash value (ACV)

and the amount outstanding on your loan.

Umbrella policy

: Think of this as extra protection for your car, home, and other investments.

Rideshare coverage

: Amica is expanding its rideshare insurance, but it’s important to check with an agent to see if this optional coverage is available in your area.

Amica also offers a platinum choice auto policy, which is their premium insurance plan. It includes new car replacement coverage, credit monitoring, prestige rental coverage, and more.

MORE:

Types of car insurance: Mandatory and optional coverages explained

FAQs

Does Amica offer SR-22 insurance?

No, Amica does not insure drivers who are deemed “high-risk”, so they will not file an SR-22 for you.

How does Amica score with J.D. Power?

Amica just received J.D. Power’s award for “Highest in Customer Satisfaction for the Digital Insurance Servicing Experience.” Amica also scored the highest for customer service satisfaction.

Is Amica car insurance expensive?

Not necessarily—an Amica policy price depends on your individual factors (age, location, coverage, and more). Amica uses these factors to calculate its rates. So, some drivers might find that they get

cheap car insurance

, while those with risk factors might be faced with pricey premiums.

Does Amica have good reviews?

Yes—Amica scored an average of 4.5 out of 5.0 in Jerry’s survey of lots of Amica customer reviews.

Who is better: Amica or State Farm?

While both insurance companies offer similar insurance options and discounts, State Farm tends to cost more on average than Amica. Amica offers a wider variety of discounts, which can bring down the overall cost of car insurance. But car insurance quotes are highly individualized so it always pays to compare quotes from multiple insurers.

Read all Amica Car Insurance Reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.