Strong vehicle coverage:

Amica auto insurance offers both comprehensive and collision coverage for your car. Collision coverage protects against damage caused in an accident while comprehensive takes care of damage caused by non-accident-related events, such as fire or vandalism. You can also get GAP insurance coverage, which is great for anyone still paying off their car loan. If your car happens to get totaled, Amica will pay the difference between the value of your car and the balance on your loan. If the totaled car is less than a year old, Amica will even replace it with a brand-new version.

Excellent add-on coverage options:

Amica's Platinum Choice Auto coverage allows you to customize your policy and further protect yourself against all sorts of damage, and even identity theft. Amica will monitor your credit and personal information and alert you of any changes, and they even have fraud specialists standing by if you do have your identity stolen. Another nice option that Platinum Choice coverage gives you is Good Driving Rewards. You can earn these points by being a safe driver, remaining loyal to Amica, having multiple policies through Amica, or even by referring others. Then, you can take any points that you've earned and apply them to waiving an accident surcharge or to lowering your deductible. These are just a few of the bonuses you can expect from Amica's Platinum Choice coverage, and you can pick and choose just one or two of these coverages, or you can bundle all of them together and get a nice discount.

No repair facility restrictions:

Amica doesn't put any restrictions on where you can take your car to get it fixed, so if you get into an accident, you can just go wherever is most convenient for you. This is great because there are some auto insurance companies that don't allow you to choose where you want to go and require you to go to one of their recommended facilities for repairs. Amica does have a list of recommended facilities for those who want it, but you are free to choose a place that is not on the list if you desire.


Missing discounts:

Amica offers you a few ways to save on your auto insurance policy, including discounts for being a loyal customer and bundling your home and auto insurance together. However, their discounts fall far behind the best in the industry, and you won't be able to earn any extra savings for prepaying or being a member of a partner organization. There is also no way to earn discounts for safe driving except through Amica's Platinum Choice coverage. If you were hoping to take advantage of any of these missing discounts, it's probably wise to shop around.

Must contact Amica to make certain policy changes:

Through your online Amica account, you can view your billing information and make small changes like adding a vehicle under the policyholder's name or adding a driver that lives at the policyholder's address, but for larger changes, such as replacing a vehicle, you must always contact Amica. This is more of an inconvenience than a serious concern, but it is still something that you should be aware of before choosing Amica for your auto insurance.

Limited learning materials:

Amica doesn't provide much in the way of resources to help people learn about auto insurance. There are a few FAQs and a glossary on their website, but it is missing more in-depth articles or a blog to assist customers with really understanding what they are purchasing. Not everyone needs access to these resources but they could be especially helpful to those looking to purchase their first auto insurance policy. This shouldn't be a deal breaker, but it would be nice to see Amica improve in this area.


Financial Strength
A.M. Best FSR Rating A++
A.M. Best ICR Rating aa+
Moody's Rating N/A
Standard & Poor's Rating Api


  • Accident Forgiveness Your rates do not automatically increase after an accident.

  • Defensive Driver Discount You can get a discounted rate if you complete a defensive driving course.

  • Good Student Discount Students that maintain a good GPA can get a policy discount.

  • Loyalty Discount You can get a discount if you remain with the company over an extended period of time.

  • Multiple Policy Discount You can get a discount for having multiple insurance policies with the same company.

  • Multiple Vehicle Discount You can get a discount if you insure multiple vehicles.

  • Discount Finder The insurance company periodically reviews your auto policy to see if you might qualify for any new discounts.

  • Driving Habits Discount You can get a discounted rate if you place a device in your car that measures your driving habits.

  • Family Discount Direct family members of current policy holders get a low rate.

  • Good Driver Discount You can get a discount for having a clean driving record.

  • Low Mileage Discount You can get a discount for driving low mileage each year.

  • Military Discount You can get a discount if you are a member of the military.

  • Organization Discount You can get a discount to if you are affiliated with certain organizations or partner companies.

  • Prepay Discount You can get a discount if you pay your premiums in advance.

  • Automatic Payments Payments can be scheduled automatically.

  • Credit Card Payments You can make a payment with your credit card.

  • Online Payments Payments can be made online.

  • Pay by Bank Account You can make a payment directly from your bank account.

  • Prepayment Policies can be prepaid in full, often at a discount.

  • Flexible Payment Terms You have flexible payment terms over different periods of time.

  • Mail Payments Payments can be mailed.

  • Phone Payments Payments can be made over the phone.

  • Bodily Injury Liability You can get coverage against bodily injuries to others in an accident that is your fault.

  • Personal Injury Protection You can get coverage for injuries sustained by the driver or any passengers, often including medical bills and lost wages.

  • Property Damage Liability You can get coverage against property damage to another party in an accident that is your fault.

  • Rental Car Coverage You can get coverage for your rental car if it is damaged or stolen.

  • Separate Windshield and Glass You can get stand-alone coverage for damaged windshields or glass.

  • Stacked Uninsured Motorist Coverage You can get coverage that allows you to combine or ''stack'' the individual limits of coverage on multiple insured vehicles in the same household.

  • Uninsured Motorist Property Damage Coverage You can get coverage that protects against property damage caused by an uninsured or underinsured motorist.

  • Pet Injury Coverage You can get coverage for injuries sustained by pets in an auto accident.

  • Add a Driver You can add a new driver to your insurance policy.

  • Add a Vehicle You can add a vehicle to your insurance policy.

  • Billing Status You can check billing status and payment information.

  • Paperless Billing You can elect to receive statements and policy information via email or on the company's website.

  • Dashboard You can manage and change policy details through an online service center.

  • Replace Vehicle You can replace or change a vehicle covered by your insurance policy.

  • Collision You can get coverage against any damage resulting from a collision.

  • Comprehensive You can get coverage against any non-collision vehicle damage including fire, theft, or vandalism.

  • GAP Insurance You can get coverage that pays the difference between the actual value of a totaled car and the balance remaining on an auto loan.

  • Interior Vehicle Coverage You can get coverage of personal belongings inside of the car including sound systems, CDs, and DVDs.

  • New Car Replacement You can get coverage that will replace a totaled car with a brand-new version if it is less than 1 year old.

  • Mechanical Breakdown Coverage You can get coverage that includes all mechanical repair costs beyond routine maintenance.

  • Medical Payments You can get coverage for a variety of accident-related medical bills.

  • Rental Car Reimbursement You can get reimbursed for the cost of a rental car following a claim.

  • Roadside Assistance You can get roadside assistance for flat tires or other mechanical problems.

  • Towing and Labor The cost of towing and the labor associated with getting your car back on the road is covered.

  • 24/7 Claims Center A claims center can be reached 24/7.

  • Mobile Claim Filing You can file a claim through a mobile app.

  • No Repair Facility Restrictions You can have repairs done at the facility of your choice.

  • Online Claim Filing You can file a claim online 24/7.

  • Repair Facility Recommendations The company provides a network of recommended repair facilities.

  • Telephone Claim Filing You can file a claim via telephone.

  • Agent Claim Filing You can contact an agent to file a claim.

  • Insurance Cards by Fax You can receive your insurance cards by fax.

  • Insurance Cards by Mail You can receive your insurance cards by mail.

  • Online Policy Purchase You can purchase a policy entirely online.

  • Online Rate Quotes You can get a car insurance quote on the company's website.

  • Print Insurance Cards You can print your insurance cards.

  • Accident Guide A mobile app that assists with data collection, emergency services, or tips in the event of an accident is available.

  • Android App You can get an Android-specific app.

  • Claim Details You can update your claim details through a mobile app.

  • File a Claim You can initiate or file a new claim through a mobile app.

  • GPS Locator The mobile app has a built-in GPS locator.

  • iPhone App You can get an iPhone-specific app.

  • Mobile Website A mobile-specific website is available.

  • Tablet A tablet-based app is available.

  • Connect with an Agent You can connect directly with an agent through a mobile app.

  • Digital ID Cards Digital ID cards are available online or on mobile devices.

  • Edit Policy You can edit or change your policy details with a mobile app.

  • Email/Print ID Cards You can email or print digital insurance cards.

  • Favorable Mobile App Store Reviews The mobile app has a combined 3.5 stars or greater for their iPhone and Android apps.

  • Get a Quote You can get a rate quote through a mobile app.

  • Text Message Alerts Policy alerts or updates can be issued by text message.

  • Email/Ticket The company has an email or ticket system dedicated to support.

  • Live Chat The company offers live chat support.

  • Phone You can contact the company by phone to get support.

  • Social Media You can contact the company with questions through social media websites.

  • FAQs A list of answers to frequently asked questions is available.

  • Glossary A glossary of common industry terms is available.

  • Blog A blog with relevant insurance information is available.

  • Forum The company provides access to an interactive forum where users can post questions and answers.

  • Knowledge Base A knowledge base of detailed help articles is available.

  • Video Tutorials Video tutorials are available.

  • Anti-Theft Device Discount A discount is offered if vehicles are equipped with an anti-theft device.

  • Vehicle Equipment Discount A discount is offered if vehicles have certain safety or theft-protection features.

  • Electric Vehicle Discount A discount is offered for electric vehicles.

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