Last updated: April 14, 2026

Amica Car Insurance Pricing 2026

Q: Who owns Amica?

Amica is a mutual insurance company, which means it’s owned collectively by its policyholders.

Q: Is Amica a good car insurance company?

Amica is a highly-rated insurance company known for excellent customer satisfaction and claims handling. It ranked 12th out of 91 insurers on the CRASH Network&#8217;s 2026 Insurer Report Card, earning a B+ grade and a spot on the Honor Roll.3 The company also placed above average in J.D. Power’s 2025 Claims Satisfaction Survey with a score of 718. These rankings reflect Amica&#8217;s strong reputation for quality service and reliability.

Q: Why is Amica moving to a six-month policy?

Amica has transitioned from twelve-month to six-month policy terms in most states. This change allows Amica to adapt more quickly to market conditions and ensure fair, up-to-date pricing for its customers. The switch offers added flexibility. It also makes it easier for customers to qualify for Amica&#8217;s paid-in-full discount, helping them save money. However, a potential downside is that rates may fluctuate or increase more frequently with shorter policy terms.

Q: 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.

Reliable auto coverage from the oldest mutual insurer in America.

Editor's Rating:

4.9/5

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Kimberlee Leonard is a writer at AutoInsurance.com as well as a former State Farm agent licensed in the state of California. For six years, she helped people and businesses protect themselves and their assets. Kimberlee has also written about insurance for Fit Small Business in more than 100 articles. Since then, she has edited for the finance website Investopedia and outlets like Business.com, Forbes, and Seeking Alpha. Kimberlee is also the founder of Centsible Money, a website that answers insurance and other finance-related questions.

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Jacqueline Quach holds years of experience in content writing, blogging, and copywriting, and has a professional background in user experience design, helping clients and businesses develop their content strategy. Jacqueline writes for multiple brands and websites, empowering customers in their purchase process through content. She also contributes to Savings.com and has written for Angi and SeniorLiving.org. Her work has been featured on MSN.com and Dayspa Magazine. Jacqueline holds a B.A. in Communication Studies from the University of California, Los Angeles.

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We dedicate thousands of hours to analyzing the insurance market so you don't have to. Our editorial team comprised of dynamic writers, editors, journalists, and researchers, holds years of experience creating high-quality auto insurance content. Our work has been featured in USA Today, MSN, Yahoo, CBS News, and other local and national publications.

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We make money through our partnerships with select auto insurance providers. Whenever anyone signs up for an auto insurance policy through our services, the provider compensates us at no cost to the customer. This compensation is on a per-lead basis, so it’s not based on transactional data, which we do not receive. Heres a list of our partners.

Amica Insurance is an insurance company that offers auto, home, and life insurance in all states except 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.

4.9

Editor's Rating:

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877-817-3636

Estimated wait time: < 1 minute

Average Rate for Minimum Coverage: $100 mo.
Average Rate for Full Coverage: $190 mo.

Price
Claims Handling
Customer Experience
Coverage Options

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Amica Car Insurance Rates

Amica caters to customers who plan to purchase full coverage and are seeking high levels of customer service. Its rates for full coverage are on par with the national average, and significantly higher than the national average for minimum coverage.

Category	Amica	National average
Full coverage	$2,274	$2,356
Minimum coverage	$1,205	$722

Keep in mind that many factors go into pricing, so your rate may vary because of your age, driving history, car type, and location.

Discounts

Discount	Qualifications
Loyalty	When you are a customer for at least 2 years, you are eligible for savings.
Homeownership	If you own a home (even if Amica doesn’t insure it), you may get a discount.
Bundling	This is a discount that is applied when you have either auto, condo, renters, life, or umbrella policies with Amica. 30% potential discount.
Multi-car	This discount applies when you have 2 or more vehicles insured with Amica. 25% potential discount.
Young driver training	Drivers under the age of 21 who complete an accredited driver training program get this discount.
Good student	Students ages 15-25 can receive discounts when they are full-time students with B averages or higher.
Student away at school	This discount applies when families have a full-time student away at school without a car.
Rewarding your parent’s loyalty (Legacy)	Drivers under 30 years of age whose parents have been with Amica for at least 5 years get this discount.
Accident-free	Drivers who are claim-free for at least 3 years get this discount.
Defensive driver training	Take an approved driver safety course to be eligible for this discount.
StreetSmart safe driving	Those who opt into the StreetSmart app can save on their premiums when they demonstrate safe driving habits. 20% potential discount.
Anti-theft	You can get a discount by having a car alarm or GPS tracking system.
Electronic stability control	Earn a discount by installing electronic stability controls in your vehicles to reduce skidding on icy or wet roads.
Passive restraints	Cars equipped with airbags or other passive restraints are eligible for a discount.
Forward-collision warning	These early warning systems provide you with more savings.
Adaptive headlights	Cars with headlights designed to operate more safely in low-light conditions get more savings.
Paid in full	When you pay your policy in full, rather than in installments, you get a discount.
Autopay	Save money when you have your policy set up on autopay.
Paperless	This discount applies when you choose electronic billing and notices.

KEY TAKEAWAY:

Take advantage of Amica’s plentiful discounts and stack them for the most savings. With Amica’s Direct to Consumer sales (more on this below), you can 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 lets you manage policies with your smartphone. You can also access insurance cards, policy details, and payment options. Best of all, the app makes it possible to file a claim at 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 2025, Amica received the top score — 94 points higher than the next company, Allstate. (USAA scored highest, but does not qualify to rank due to its eligibility requirements). 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 (customer service)	Weekdays 6 a.m. – 10 p.m. EST Weekends 7 a.m. – 8 p.m. EST
Live chat (claims)	Weekdays 8 a.m. – midnight EST Weekends 10 a.m. – 5:30 p.m. EST
Phone	Weekdays 6 a.m. – 10 p.m. EST Weekends 7 a.m. – 8 p.m. EST

Type of support

Hours of support

Live chat (customer service)

Weekdays 6 a.m. – 10 p.m. EST

Weekends 7 a.m. – 8 p.m. EST

Live chat (claims)

Weekdays 8 a.m. – midnight EST

Weekends 10 a.m. – 5:30 p.m. EST

Phone

Weekdays 6 a.m. – 10 p.m. EST

Weekends 7 a.m. – 8 p.m. 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

Amica offers home and life insurance alongside its auto insurance policies, and provides bundling discounts. Bundling makes it easy to get insurance 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 incur a $29 cancellation fee.

How to cancel Amica	Contact information	Processing time (in business days)
Phone	800-242-6422	1
Mail	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

Get in touch with Amica by calling 800-242-6422 or visit the Contact page (https://www.amica.com/en/customer-service/contact-us.html) to chat with a live representative.

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 it’s owned collectively by its policyholders.

Is Amica a good car insurance company?

Amica is a highly-rated insurance company known for excellent customer satisfaction and claims handling. It ranked 12th out of 91 insurers on the CRASH Network’s 2026 Insurer Report Card, earning a B+ grade and a spot on the Honor Roll.³ The company also placed above average in J.D. Power’s 2025 Claims Satisfaction Survey with a score of 718. These rankings reflect Amica’s strong reputation for quality service and reliability.

Why is Amica moving to a six-month policy?

Amica has transitioned from twelve-month to six-month policy terms in most states. This change allows Amica to adapt more quickly to market conditions and ensure fair, up-to-date pricing for its customers.

The switch offers added flexibility. It also makes it easier for customers to qualify for Amica’s paid-in-full discount, helping them save money. However, a potential downside is that rates may fluctuate or increase more frequently with shorter policy terms.

Does Amica’s car insurance cover you while traveling in Canada?