Amica Auto Insurance Review

Founded in 1907, Amica is a policyholder-owned insurer with a long record of financial stability. As of 2025, Amica Mutual Group holds an A.M. Best Financial Strength Rating of A+ (Superior), Outlook: Stable, reflecting balance sheet strength assessed at the “strongest” level and solid long-term operating performance. Independent credit analysts at Fitch Ratings also affirm Amica Mutual’s Insurer Financial Strength at A+ with a Stable Outlook, citing very strong capitalization and a high-quality, liquid investment portfolio. Amica’s life subsidiary carries a matching A.M. Best A+ (Superior) rating, and the company’s own site summarizes its current ratings and commitment to long-term stability (Amica).

Amica offers personal insurance across auto, homeowners/condo/renters, umbrella and more. Auto policies include the usual core protections with optional endorsements—such as roadside assistance, rental reimbursement and full glass—plus, in some states, a streamlined “upgrade” bundle that packages popular add-ons and higher limits for a single price. In many states, customers can also choose a dividend policy form, which may return a portion of premium if a dividend is declared (not guaranteed). Coverage details, bundles and dividend availability vary by state; check Amica’s product pages for your ZIP code (auto insurance; dividend policies).

Pricing in 2024–2025 reflects broad market repricing after multi-year increases in loss costs. National data show consumer prices for motor vehicle insurance remained sharply higher year over year through late 2024 (BLS CPI), driven by cost pressures like more complex and expensive collision repairs (CCC Crash Course), elevated vehicle thefts exceeding one million in 2023 (NICB), severe-weather losses (NOAA), and higher claim severities across coverages (LexisNexis). Against that backdrop, Amica continues to lean on service, claims handling and financial strength to compete.

The Auto Insurance Factors We Analyzed

Pricing 

Insurers set rates using current loss-cost data and multiple personal factors. You have meaningful control over several of them:

• The amount and types of coverages (liability limits, comprehensive/collision, deductibles, and endorsements)
• The type of car you drive (repairability, ADAS/EV features and calibration needs affect severity per CCC)
• Your annual mileage and vehicle use (commute vs. pleasure)
• Your credit score/insurance score where allowed (NAIC)
• Your driving record and recent claims (frequency/severity trends noted by LexisNexis)
• Your location/garaging ZIP (local crash, theft and weather risks; see NOAA and NICB)

Some rating factors are largely outside your control and may be restricted by state law:

• Your age/years licensed (younger drivers generally face higher premiums)
• Your gender (use may be limited or prohibited in some states)

Where permitted, insurers may use a credit-based insurance score because it correlates with loss propensity; several states restrict or prohibit this practice (NAIC). Elevated theft, storm and flood risk can increase comprehensive premiums in exposed territories (NICB; NOAA), and today’s vehicles often cost more to repair due to sensor density and OEM calibration requirements (CCC).

Because rate filings and discounts differ by state, the only way to know your price with Amica is to request a quote. Industrywide, premiums rose materially through 2024 as rate increases caught up to loss-cost inflation (BLS CPI), but individual quotes vary based on your vehicle, limits/deductibles, household drivers, and applicable state rules.

• Bodily injury liability – choose limits that protect your assets (many select 100/300 or higher)
• Property damage liability – select a robust limit to match local risk
• Uninsured motorist bodily injury – often aligned to your BI limits (state-dependent)
• Medical payments/PIP – availability and limits vary by state
• Collision – deductible you choose (higher deductibles lower premium)
• Comprehensive – deductible you choose; weather/theft exposure matters
• 12-month premium – varies by state/driver/vehicle; request a personalized quote

Note: features like full glass, rental car reimbursement coverage, and towing/roadside are typically optional add-ons or included in upgrade bundles where offered (Amica auto).

Customer experience 

Independent research in 2025 continues to highlight Amica’s service. In the latest J.D. Power U.S. Home Insurance Study, Amica ranks among the top insurers for overall homeowners satisfaction, and the J.D. Power U.S. Property Claims Satisfaction Study cites Amica as a top performer in property claims handling. In auto, the 2025 U.S. Auto Insurance Study reports industrywide pressure from rate increases and repair cycles, with Amica performing competitively and earning strong marks for claims service and customer interaction relative to many peers.

Regulator-confirmed complaint data indicate fewer complaints than expected for Amica’s size. The NAIC Complaint Index benchmarks at 1.00 for the industry average; the NAIC Consumer Information Source shows Amica’s core personal lines affiliates with complaint indexes below 1.00 in the latest available year, indicating lower-than-expected complaint volume relative to market share (NAIC CIS). Independent 2025 reviews that aggregate NAIC data report similar “fewer-than-expected” complaints across auto and home (NerdWallet). Amica also holds an A+ rating from the Better Business Bureau.

Digital servicing is comprehensive. You can file and track claims, upload photos/documents, access ID cards, request roadside assistance, and manage billing from the Amica mobile app and online account (Apple App Store; Google Play; Amica Claims Center). These capabilities align with best practices highlighted in the J.D. Power Insurance Digital Experience Study, emphasizing intuitive, end-to-end self-service.

Coverage 

Amica’s auto policies include the standard protections most drivers need, with optional extras and upgrade bundles available in many states (Amica auto). Common elements include:

• Bodily injury and property damage coverages to pay the repair and medical costs of another driver when you’re found at-fault for an accident.
• Collision coverage to help repair your car after an accident.
• Comprehensive coverage to pay for theft or non-collision damages such as hail damage.
• Glass coverage to pay for broken windows and windshields; optional full glass coverage with no deductible may be available in some states.
• Medical payments coverage to pay the medical expenses of you and your passengers following a covered accident.
• Personal injury protection (PIP), required in some states, which pays medical bills regardless of fault.
• Rental car reimbursement coverage (transportation expense), typically offered as an optional add-on to help cover a rental following a covered loss.
• Roadside assistance/towing and labor, generally offered as an optional add-on, covering services like jumpstarts, lockouts, tire changes and towing.
• Uninsured and underinsured motorist coverage, required in some states, which helps with injuries and, in some states, vehicle damage caused by drivers who have too little or no insurance.

Deals, discounts, and add-ons

Amica’s discount roster is competitive and varies by state. Examples include (auto insurance; homeowners):

• Autopay discounts when you set up automatic payments.
• Claims-free discounts for policyholders who avoid filing claims for a set period (glass/roadside often excluded).
• Defensive driver training discounts for adults who complete an approved course.
• Driver training discounts for young drivers who complete an approved course.
• E-discounts if you elect to receive bills and policy information electronically.
• Good student discounts for folks 15 to 25 years old who earn good grades in school.
• Home ownership discounts for homeowners.
• Legacy discounts for motorists under 30 whose parents are Amica customers (state eligibility applies).
• Loyalty/tenure discounts where available.
• Multi-car discounts when you insure more than one vehicle with Amica.
• Multi-policy discounts when you bundle Amica auto with homeowners/condo/renters or umbrella (exact savings depend on state and risk; Amica does not publish a single nationwide “up to” figure).
• Paid-in-full discounts when you pay your premium in full before it’s due.
• Safety device discounts for vehicles equipped with anti-theft, electronic stability, or passive restraint technology.
• Student-away-at-school discounts for young drivers who go off to school without a car.

 Depending on your state, Amica offers optional auto upgrade bundles that package popular endorsements and higher limits for a single price. Availability and bundle contents vary by state.

You should review your quote to see which endorsements and limits are included, as availability and details vary by state. If dividend policies are offered in your state, you can compare a traditional vs. dividend policy; dividends are not guaranteed and are declared at Amica’s discretion (dividend policies).

Upgrade bundles may include features like full glass coverage, identity fraud expense coverage, and enhanced rental car reimbursement. This type of premium package isn’t available in all states (Amica auto).

Amica Overview: Financial Strength, Availability, and History

Financial strength remains a core differentiator. Amica Mutual Group’s A.M. Best A+ (Superior) rating and Fitch A+ (Stable) Insurer Financial Strength assessment underscore very strong capitalization and claim-paying ability through market cycles. Amica’s service reputation is reinforced by top-tier results in recent J.D. Power homeowners and property-claims studies, while auto satisfaction remains competitive in the 2025 auto study.

The Better Business Bureau lists Amica with an A+ rating, and NAIC regulator data show complaint indexes below the industry baseline of 1.00 for Amica’s core personal lines, indicating fewer complaints than expected for its market share (NAIC CIS).

• In business since: 1907
• States served (availability): 49 and Washington, D.C.
• Standout features: financial strength (A.M. Best A+), service reputation in J.D. Power’s latest home/property claims studies, optional package upgrades and a dividend policy option (where available)

The Competition

All information accurate as of 2025.

The Bottom Line

Amica combines strong financial footing—A.M. Best A+ (Superior); Fitch A+ (Stable)—with customer experience that ranks among the best in homeowners and property claims satisfaction, and competitive auto satisfaction in J.D. Power’s latest studies. Optional upgrade bundles and a dividend policy choice in many states add flexibility for tailoring protection and potential savings.

Amica’s digital experience supports end-to-end self-service—from FNOL, photo/document uploads and claim status to ID cards, roadside requests and payments—via its app and web portal (iOS, Android, Claims Center). This aligns with current digital best practices spotlighted in the J.D. Power Insurance Digital Experience Study.

Bottom line: If you value top-tier service, strong claims-paying ability, and straightforward options to enhance coverage, Amica is a strong contender. As with any insurer in 2025’s market, compare quotes and coverage details for your state, vehicle and driving profile, and consider bundling opportunities to improve overall value.

Amica FAQ

What other types of insurance does Amica offer?

Besides car insurance, Amica also sells condo, flood, home, life, marine, motorcycle, renters, small business, wedding and event, and umbrella policies. In many states, you can choose a dividend policy option for select lines; dividends are not guaranteed and vary by year/state (Amica dividend policies). Bundling auto with home/condo/renters or umbrella can qualify you for multi-policy savings (amounts depend on state and risk; see Amica auto and homeowners pages for details).

How much car insurance do I need? 

To evaluate the amount of insurance you need, start by checking the website of your state’s department of motor vehicles to find out what the law requires. 

If you finance or lease your car, your lender will specify coverage requirements. Consider optional protections like full glass, rental reimbursement, roadside assistance or loan/lease (gap) coverage based on your vehicle and budget (Amica auto).

Where is Amica auto insurance coverage available? 

Amica writes auto policies in all states, except Hawaii, as well as Washington, D.C.

What does Amica car insurance typically cover? 

It depends on which coverages you choose. With Amica, you can customize your policy to meet state and lender requirements and add optional endorsements for broader protection. See Amica’s auto page for state-specific details (Amica auto).

Most policies that offer “full coverage” include liability, collision, and comprehensive insurance; many states also require uninsured/underinsured motorist or personal injury protection. Endorsements and discount eligibility vary by state, so review your quote carefully.

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