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Last updated: December 2, 2022

Amica Auto Insurance Review 2024

Will Amica car insurance give you peace of mind?

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Amica is the oldest mutual insurer of automobiles in the United States. Established in 1907, Amica is known for its financial strength and emphasis on customer service. In addition to auto insurance, Amica offers home, marine, personal umbrella liability, and life insurance products.

Is it time to add your auto insurance policy to the over 1.6 million Amica policies in force today? Let’s see what the company offers its customers.

Key Takeaways

Amica is a mutual insurer, which means its policyholders own the company. The company focuses on long-term financial stability and offers both traditional and dividend policies. It provides online self-service and representatives to assist with any customer service inquiries. Amica’s auto policies include coverage for motorcycles and motorhomes.

Who It’s Best For

  • Renters or homeowners who want to bundle their home and auto insurance policies
  • Parents adding teen drivers to policies
  • People who own multiple cars
  • Drivers in New England, where Amica is headquartered

Who It’s Not Best For

  • Hybrid or electric vehicle drivers (no discounts are available)
  • Active military personnel or veterans (no discounts are available)
  • New car owners (no discounts available)

Pros and Cons of Amica Auto Insurance



  • Dividend policies: Amica offers traditional and dividend policies. A dividend policy returns money to you and lowers your overall policy cost. On average, payments are 5 to 20 percent of your annual premium.

  • Great customer service: Among midsize auto insurers, Amica scored an 891 on J.D. Power’s 2021 Insurance Shopping Study, ranking second overall and above the segment average of 858.1



  • Limited local offices: Amica does not have offices in every state, so if you prefer to do business face-to-face with your insurance provider, Amica may not be right for you.

  • No coverage in Hawaii: Amica does not offer auto insurance in Hawaii.

What Does Amica Cover?

  • Liability: No-fault personal injury protection pays for medical expenses and lost wages if you or your passengers are injured in an accident. Bodily injury liability pays for injuries to others when you’re responsible for an accident.
  • Medical payments: While liability coverage covers the medical expenses of an affected party when you are at fault, medical payments coverage assists with necessary medical bills for you and your passengers after an accident.
  • Property damage: Property damage pays for damage you cause to vehicles or other kinds of property.
  • Uninsured/underinsured motorist: Uninsured and underinsured motorist coverage protects you from irresponsible drivers and covers your out-of-pocket expenses when you get into an accident with someone who lacks sufficient insurance.
  • Uninsured/underinsured property damage: Uninsured or underinsured property damage pays for damage to your vehicle if the driver who caused the accident is uninsured or doesn’t have enough insurance to cover your damages.
  • Collision: Collision insurance protects your vehicle when it is damaged in an accident, regardless of who is at fault. No state requires collision insurance, but we recommend it because it’ll cover damage to your car due to a crash (but not due to events like weather and vandalism).
  • Comprehensive: Comprehensive coverage encompasses all damages not from collisions, including fire, fallen trees, natural disasters, theft, and accidents involving animals. It does not cover normal wear and tear.
  • Gap: This type of insurance, also known as GAP or guaranteed asset protection, pays the difference between the current value of your vehicle and the amount you still owe on your loan or lease.
  • Glass: Full glass coverage from Amica repairs or replaces your windshield, windows, and other auto glass without a deductible.
  • Roadside assistance: Amica’s 24/7 roadside assistance covers towing, flat tires, jump-starting dead batteries, delivering gas, unlocking car doors, and more.
  • Rental reimbursement: Rental reimbursement is an optional coverage that helps you pay for a rental car, rideshare, or public transportation fare if your vehicle is being repaired under a covered insurance claim.
  • Personal umbrella policy (PUP): An umbrella policy provides additional liability coverage beyond auto or home insurance for unexpected and costly events.

What Will My Auto Insurance Rate Be?

Your auto insurance premium from Amica will depend on your driving record, age, gender, mailing address, and your vehicle’s make and model. Amica’s average annual cost is $1,688.


  • Loyalty: Save when you’ve been with any auto insurer for at least two years. The longer you’ve been a policyholder, the more you’ll save with Amica.
  • Homeownership: Amica offers a discount for owning a home, even if your home is not insured with Amica currently.
  • Multipolicy: Save up to 30 percent when you combine auto insurance from Amica with home, condo, renters, life, and umbrella policies.
  • Multicar: Save up to 25 percent on your auto policy when you insure two or more cars.
  • Young driver training: Amica offers a discount for drivers under 21 who complete accredited driver training programs.
  • Good student: Policies with full-time high school or college students ages 15 to 25 and have B averages or higher are eligible for Amica’s good student discount.
  • Student away from home: You may be eligible for this discount if you have a full-time student on your policy who is away at school without a car.
  • Parent loyalty: If you’re under 30 and your parents have had an Amica auto policy for at least five years, you may qualify for a legacy discount.
  • Accident-free: Amica offers a discount when you’ve been claim-free for three years.
  • Defensive driver training: Amica offers a discount for taking an approved driver safety course such as defensive driving training.
  • Vehicle equipment: Amica offers discounts if your car has anti-theft devices like car alarms and GPS tracking systems, electronic stability control, passive restraints like airbags, forward-collision warning features, or adaptive headlights.
  • Paid in full: You’ll save money when you pay the entire balance of your policy premium upfront.
  • AutoPay: Setting up automatic payments simplifies your payment experience and earns you more savings with Amica.
  • Paperless: Receive a discount when you sign up to receive policy documents and bills electronically.


Amica does not have offices in every state, but its regional offices are located across the country. Amica offers auto insurance in most states where it does not have offices; however, it does not cover Hawaii. Find an Amica office near you to plan an in-person visit.

State Number of Amica offices Location(s) of Amica office(s)
Arizona 1 Phoenix
California 1 Petaluma and Costa Mesa
Colorado 1 Denver
Connecticut 1 Hartford
Florida 2 Tampa and Orlando
Georgia 1 Atlanta
Illinois 1 Chicago
Indiana 1 Carmel
Maryland 1 Baltimore
Massachusetts 2 Raynham and Westborough
Nevada 1 Henderson
New Hampshire 1 Concord
New Jersey 1 Park Ridge
New York 2 Rochester and Albany
North Carolina 1 Raleigh
Ohio 1 Cincinnati
Oregon 1 Tigard
Pennsylvania 1 Philadelphia
Rhode Island 1 Lincoln (headquarters)
South Carolina 1 Greenville
Texas 3 Austin, Dallas, and Houston
Washington 1 Spokane Valley

If you live in Hawaii, check out other car insurance companies with comprehensive insurance coverage, low insurance costs, and policies like glass repairs and accident forgiveness.

Amica Customer Service

Amica prides itself on providing exceptional customer service. Access Amica’s customer service through live chat, phone, email, mail, or by visiting one of the company’s regional offices.

Chat with a live representative online through AVA, the Amica Virtual Assistant. Amica’s claims representatives are available via live chat on weekdays from 8 a.m. until 9 p.m. ET and Saturdays from 10 a.m. until 5:30 p.m. ET. Amica’s sales and customer service live chat is available weekdays from 6 a.m. until midnight ET and on weekends from 7 a.m. until midnight ET. Through live chat, you can access information on policies, billing, claims, and quotes.

If it’s easier to have your questions answered over the phone, call Amica’s sales and customer support line at 800-242-6422. You can also submit payments, documents, and questions by mail if you would prefer.


Whether or not you have Towing and Labor coverage, Amica provides 24-hour roadside assistance if you call 866-286-9968. If you don’t have Towing and Labor coverage, you will be responsible for your additional out-of-pocket expenses.

Mobile Apps and Online Features

Amica offers online services for account holders. Log in to update your profile, make payments, print ID cards, e-sign documents, report and track claims, and upload and view claim documents.

Amica provides customer service and claims support on its app, which is available on both iOS and Android devices. Amica Mobile is rated 4.8 out of five stars by iOS users and 4.2 by Android users. Here are some of the features available:

  • Payments: Pay your bills and schedule automatic recurring payments for auto, home, marine, and umbrella policies.
  • Claims: Report and track claims through the Amica app.
  • Policy information: Securely access and download policy information and coverage details on the go.
  • ID cards: View auto insurance ID cards (i.e., proof of insurance) or request paper copies.
  • Roadside assistance: Access 24/7 roadside assistance for flat tires, dead batteries, or any other issue.
  • Insurance quotes: Get a free auto insurance quote from the Amica mobile app.
  • Customer service: Contact an Amica representative with questions about quotes, rates, technical issues, or coverage.

Third-Party Ratings

  • AM Best rating: Amica holds an A+ rating from AM Best, the largest credit agency in the world specializing in the insurance industry.
  • Better Business Bureau Rating: Amica has an A+ rating from the Better Business Bureau (BBB) as of June 2022.2 It has been accredited since 1957.
  • BBB customer rating: Though Amica’s BBB rating is high, its customer rating is only 1.13. We found that the most common complaints lodged against Amica have been about difficulty reaching someone regarding quotes and claims. Additionally, some people complained about high premiums and opaque pricing; however, most insurance companies have low BBB customer ratings.
  • J.D. Power U.S. Auto Insurance Study: The 2021 J.D. Power U.S. Auto Insurance Study looked at customer satisfaction with auto insurance companies across 11 geographical regions. Amica ranked the highest in the New England region for the ninth consecutive year with a score of 867 (out of 1,000).

Company History

A.T. Vigneron founded the Automobile Mutual Insurance Company of America in Providence in 1907. In 1914, the Factory Mutual Liability Insurance Company of America was chartered to provide liability insurance to Automobile Mutual policyholders.

The two companies merged in 1973 to form a more efficient corporate entity. Amica’s corporate offices moved from Providence to Lincoln, Rhode Island in 1994. Amica celebrated its 100th anniversary in 2007.

Other Insurance Amica Provides

Amica offers a wide range of insurance policies to cover everything you hold dear:

  • Business
  • Boat
  • Condo
  • Homeowners
  • Identity protection
  • Life
  • Motorcycle
  • Motorhome and RV
  • Pet
  • Renters
  • Special event
  • Retirement and investment


You may qualify for a discount on your auto insurance with Amica if you’re under 30 and your parents have had an Amica auto policy for at least five years.

Cancellation Policy

To cancel an auto insurance policy with Amica, call 800-242-6422. Canceling your policy or stopping payments may result in a non-refundable cancellation fee of $29.

Frequently Asked Questions

Is Amica a reputable insurance company?

Yes, Amica is a reputable insurance company. Amica holds an A+ credit rating from AM Best and an A+ BBB rating.

Who is Amica owned by?

Amica is owned by its policyholders. It is a mutual insurance company and its shares are not available to investors on the public market.

What states does Amica cover?

Amica sells auto and life insurance in every state except Hawaii; however, Amica does not have offices in every state. If you prefer to work with a representative in person, check Amica’s office locator to see if there is an office near you.

How many customers does Amica have?

Amica carries over 1.6 million policies for its customers. Amica was founded in 1907 and now sells more than a dozen insurance products.


  1. Auto Insurance Shopping Surged during Pandemic in 2020 but Little Brand Differentiation Apparent, J.D. Power Finds. J.D. Power. (2021, Apr 29).

  2. Amica Mutual Insurance Company. Better Business Bureau. (2022).