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Last updated: November 4, 2022
Amica Car Insurance Pricing 2024
Reliable auto coverage from the oldest mutual insurer in America.
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Amica Insurance is an insurance company that offers auto, home, and life insurance in all states — except for Hawaii. Its headquarters are in Lincoln, Rhode Island, where it has served since 1907. On this page, we review the average pricing of Amica auto insurance, how you can get your best rate, and details about the company that may impact your auto insurance purchase decision.
Car Insurance Rates
Amica is in the middle pricing tier among comparable auto insurance carriers. Its average annual premium is $1,688. Keep in mind that many factors go into pricing and your rate may be higher or lower because of the driver’s age, driving history, car type, and location. Whether you have minimum coverage or full coverage will also affect your rate.
Discounts
| Discount | Qualifications | Average discount |
|---|---|---|
| Loyalty | When you are a customer for at least 2 years, you are eligible for savings. | Undisclosed |
| Homeownership | If you own a home (even if Amica doesn’t insure it), you may get a discount. | Undisclosed |
| Bundling | This is a discount that is applied when you have either auto, condo, renters, life, or umbrella policies with Amica. | Up to 30% |
| Multi-car | This discount applies when you have 2 or more vehicles insured with Amica. | Up to 25% |
| Young driver training | Drivers under the age of 21 who complete an accredited driver training program get this discount. | Undisclosed |
| Good student | Students ages 15-25 can receive discounts when they are full-time students with B averages or higher. | Undisclosed |
| Student away at school | This discount applies when families have a full-time student away at school without a car. | Undisclosed |
| Rewarding your parent’s loyalty | Drivers under 30 years of age who have parents that have been with Amica for at least 5 years get this discount. | Undisclosed |
| Accident-free | Drivers who are claim-free for at least 3 years get this discount. | Undisclosed |
| Defensive driver training | Take an approved driver safety course to be eligible for this discount. | Undisclosed |
| Anti-theft | You can get a discount by having a car alarm or GPS tracking system. | Undisclosed |
| Electronic stability control | When electronic stability controls are installed into vehicles to help reduce skidding on icy or wet roads, Amica offers a discount. | Undisclosed |
| Passive restraints | Cars equipped with airbags or other passive restraints are eligible for a discount. | Undisclosed |
| Forward-collision warning | These early warning systems provide you with more savings. | Undisclosed |
| Adaptive headlights | Cars with headlights designed to operate more safely in low-light conditions get more savings. | Undisclosed |
| Paid in full | When you pay your policy in full, rather than in installments, you get a discount. | Undisclosed |
| Autopay | Save money when you have your policy set up on autopay. | Undisclosed |
| Paperless | This discount applies when you choose electronic billing and notices. | Undisclosed |
KEY TAKEAWAY:
You can stack discounts to get the most in savings. Go down the list with an Amica representative to get as many discounts as you’re eligible for.
Favorite Features
Amica Mobile App
The Amica mobile app allows you to control your policy from your smartphone directly. It gives you immediate access to insurance cards, policy details, and payment options. Best of all, the app allows you to start a claim directly from the accident scene. It is available in both the Apple Store and the Google Play store.1
Excellent Customer Service
Since 2012, Amica has been the highest-ranking insurer in New England based on the J.D. Power and Associates Customer Satisfaction Survey. In 2022, Amica received the highest score of 862 — 24 points higher than the next firm: State Farm. Generally, customers give positive feedback on the service agents and representatives.2
Robust Customer Service
Amica has claims service available via phone 24/7. It also offers live chat during the below time frames.
| Type of support | Hours of support |
|---|---|
| Live chat | Weekdays 6 a.m. – midnight EST
Weekends 7 a.m. – midnight EST |
| Phone | Weekdays 6 a.m. – 1 a.m. EST
Weekends 7 a.m. – midnight EST |
Direct-to-Consumer Sales
Amica is committed to providing excellent service for a competitive price, which is why the company removes the expensive structure of hiring agents located in field offices. When you purchase an Amica policy, you’ll work directly with an Amica representative at its call center.
Bundling Options
We like that Amica offers home and life insurance alongside its auto insurance offerings, and provides bundling discounts. Bundling makes it easy to get the insurance you need for a price that you can afford all while keeping your policies together.
What States Is Amica Available?
Amica serves all 50 states (and Washington, D.C.) except for Hawaii.
Cancellation Policy
Policyholders can cancel their insurance at any time with Amica. Cancellations that occur during the policy’s term may have a $25 cancellation fee.
| How to cancel Amica | Contact information | Processing time (in business days) |
|---|---|---|
| Phone | 800-242-6422 | 1 |
| Fax | 888-999-8531 | 1-2 |
| maip@amica.com | 1-2 | |
| Amica Mutual Insurance Company
P.O. Box 9128 Providence, RI 02940-9128 |
5-7 |
TIP:
When you cancel a policy midterm, Amica will return your unearned premiums to you.
Company Background
Amica is proud to be the oldest mutual car insurance company in the United States. The company started in Providence, Rhode Island, in 1907, and offered auto, fire, and theft insurance. The first branch office opened in Boston in 1941.
Amica started selling homeowners insurance in 1956 and life insurance later in 1969. It maintained its headquarters in Providence until 1994, when it moved to Lincoln, Rhode Island.
Amica Contact Information
| Contact method | Customer service | Quote | Claims |
|---|---|---|---|
| maip@amica.com | N/A | N/A | |
| Phone | 800-242-6422 | 800-242-6422 | 888-244-6163 |
Conclusion
If you’re looking for a dependable auto insurance company, Amica checks all the boxes. Our site is full of FAQs and other carrier information that may be helpful as you shop for your next auto insurance policy, along with these FAQs specifically for Amica.
Frequently Asked Questions
Who owns Amica?
Amica is a mutual insurance company, which means that its policyholders own it.
How good is Amica?
Amica receives an A+ rating from AM Best. This rating means it has superior financial strength, and AM Best considers it among the best insurance companies in terms of solvency.
Why doesn’t Amica pay dividends on auto insurance?
Amica offers dividends in states where dividend policies are available. Typically, Amica pays dividends at the end of the policy term, which is every six months.
Does Amica’s car insurance cover you while traveling in Canada?
Your Amica car insurance covers you while driving in Canada under the same policy as you select while driving in the United States.
Citations
Amica Mobile App. Amica. (2022).
https://www.amica.com/en/about-us/amica-mobile.htmlUsage-Based Auto Insurance Takes Center Stage as Satisfaction Flatlines, J.D. Power Finds. J.D. Power. (2022, Jun 13).
https://www.jdpower.com/business/press-releases/2022-us-auto-insurance-study
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