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Founded in 1907, Amica is one of the oldest automobile insurance providers in the United States. According to Fortune, Amica holds more than $6.4 billion in assets, with around $2.7 billion in annual revenue. Credit ratings agencies give Amica top ratings, as do consumer organizations, including the Better Business Bureau.
Amica offers a wide variety of property insurance, to cover condos, homes, recreational vehicles, and small businesses. Amica’s car insurance provides exceptionally good standard coverage, with add-on options that provide more complete protection, while enabling you to earn rewards.
In recent years, Amica has risen to the top of the insurance provider pack. Offering a combination of good coverage, excellent discounts, and user-friendly customer tools, Amica is a provider worthy of any car owner’s attention. But is Amica the right car insurance company for you?
|24/7 claims support|
Ranked #1 in J.D. Power studies
|Higher rates than some providers|
Limited local offices
The Auto Insurance Factors We Analyzed
When determining your insurance rate, providers consider several factors. You can control certain of these, such as:
- The amount and types of coverages
- The type of car you drive
- Your annual mileage
- Your credit score
- Your driving record
- Your location
But some rating factors are beyond your control, including:
- Your age
- Your gender
Males tend to pay higher rates than females do, because statistically they cause more accidents. Your credit score can affect your insurance rate, because studies show that people with poor credit file more insurance claims.
Typically, people under the age of 25 pay more for car insurance than older adults, and folks who live in areas prone to car theft pay higher premiums, too. In addition, traffic violations and accidents can certainly lead to higher insurance rates.
Requesting a quote is the only way you can find out how much you’ll pay for Amica auto insurance. We requested a quote for a 40-year-old man, living in San Francisco, California, who drives a 2015 Toyota Camry, and here’s the rate we received:
- Bodily injury liability – $50,000/$100,000
- Property damage liability – $50,000
- Uninsured motorist bodily injury – $50,000/$100,000
- Medical payments – $1,000
- Collision – $1,000 deductible
- Comprehensive – $1,000
- 12-month premium – $1,571
The quote we received is higher than from some companies and lower than others. We considered the price reasonable, because it included full glass coverage, rental car reimbursement coverage, and towing and labor cost coverage.
In its 2019 U.S. Auto Claims Satisfaction Study, consumer advocate J.D. Power ranked Amica #1 in the nation, with a score of 898 out of 1,000. And in J.D. Power’s 2019 U.S. Auto Insurance Study, Amica ranked #1 in the New England region. In 2019, the National Association of Insurance Commissioners received no complaints against Amica.
Amica offers customers several tools to shop for, purchase, and manage their auto policies. The online quote tool allows you to enter your personal information, adjust limits, add optional coverages, and review packages, from the convenience of your computer.
We’re impressed by the overall ease of use and volume of information the Amica website provides. Amica also has a mobile app that enables you to file a claim, request roadside assistance, and make a payment using your Android or Apple smartphone or tablet.
Amica offers a full menu of standard coverages, with some unexpected extras included in all policies, including:
- 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. This comes standard in all comprehensive policies, but you can also choose optional full glass coverage, which has no deductible.
- Medical payments coverage to pay the medical expenses of you and your passengers following a covered accident.
- Personal injury protection (PIP), a required coverage in some states, which pays the medical bills of your passengers and you, regardless of who’s at fault in an accident.
- Rental car reimbursement coverage, included in all policies, which pays up to $20 per day and $600 per year to cover rental car costs following a covered accident.
- Roadside assistance, an included coverage which many insurers sell as an add-on, to cover the cost of fuel delivery, jumpstarts, lockouts, tire changes, and towing.
- Uninsured and underinsured motorist coverage, a required coverage in some states, which pays to repair dings and medical costs when an underinsured or uninsured driver hits your car.
Deals, discounts, and add-ons
Most auto insurance companies offer discounts, but Amica’s lineup shines a little brighter than most insurers. For qualified policyholders, Amica offers:
- Autopay discounts when you set up automatic payments.
- Claims-free discounts for policyholders who avoid filing claims – except glass and towing claims – for three years.
- 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 years of age whose parents have held an Amica policy for at least five years.
- Loyalty discounts for policyholders who have remained with the same provider for two years or more.
- Multi-car discounts up to 25% for customers who purchase more than one auto policy.
- Multi-policy discounts up to 30% if you purchase Amica auto and home insurance.
- 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 boarding school or college and leave their wheels at home.
If you choose Amica’s Platinum Choice Auto package, you can earn rewards points, which you can use to eliminate or reduce your deductible or prevent a rate increase following an accident.
You can earn points by maintaining good driving habits, referring a friend to Amica, and renewing your policy.
Platinum Choice Auto also includes full glass coverage, identity fraud monitoring, and rental car reimbursement coverage, with no daily limit, up to $5,000 per year. This premium package isn’t available in all states.
Amica Overview: Financial Strength, Availability, and History
YouGov ranks Amica the 40th most popular insurance provider in the country. Based on more than 7,600 YouGov interviews, only 5% of respondents had a negative opinion of Amica.
The Better Business Bureau gives Amica an “A+” rating. In the last three years, just 76 Amica customers have filed complaints with the BBB, most involving billing and service problems, which are common gripes in the insurance industry.
- In business since: 1907
- States served (availability): 49 and Washington, D.C.
- Standout features: discounts, standard coverages and premium package
|A.M. Best Financial Strength Rating||J.D. Power 2019 Claims Satisfaction Study||24/7 Claims Support|
All information accurate as of 3/17/2020.
The Bottom Line
It’s no wonder Amica has received so many top rankings by J.D. Power. The insurance provider offers a wealth of benefits and coverage-rich standard policies. Its Platinum Choice Auto package is so feature-rich, with rewards and extra coverages, that it’s too good to turn down.
We also like Amica’s digital tools. Its consumer website provides loads of comprehensive information, not to mention an easy to use quote app, which doesn’t drive you to a hard sales pitch. And once you purchase a policy, you can enjoy Amica’s mobile app, for convenient bill paying and claims handling.
Amica offers the best combination of discounts, standard coverages, and optional coverages that we’ve found on today’s market. It’s the perfect option for anyone looking for superior coverage at a reasonable price.
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. If you bundle your Amica auto policy with homeowners coverage, you could earn up to a 30% discount.
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.
And, if you finance your car, you’ll need to check with the lender to find out insurance requirements. You may also consider add-ons, like full glass coverage, which could save you money in the long run.
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, selecting only the coverages your state and lender require, or choose optional coverages for complete protection.
Most policies that offer “full coverage” include liability, collision, and comprehensive insurance, but many states also require uninsured and underinsured motorist coverage or personal injury protection coverage.