Pros
- Competitive rates
- Extra benefits at no charge (lock replacement, airbag repair, etc.)
- Easy-to-navigate website
- Lots of insurance options
Cons
- Complaints about premium increases
- Average customer service
- No ridesharing/commercial auto coverage
Amica Review Summary
Amica is a budget-friendly insurance company, earning a 3.1/5 rating from WalletHub editors and good scores from organizations such as J.D. Power and the Better Business Bureau (BBB). Amica offers a wide range of coverage options, including auto insurance, home insurance, life insurance, condo insurance, renters insurance, flood insurance, small business insurance, and more. It has a lot of discounts, too.
Amica Life Insurance does business in 49 states (all but Hawaii), but Amica’s auto coverage and other types of insurance are available only in select states. In the sections below, you can learn more about Amica’s insurance coverage options and how they compare with the company’s top competitors.
Summary: Amica Scores by Review Category
| Category | Score |
|---|---|
| Amica Quotes / Pricing | 25/30 |
| Customer Service & Reviews | 20/30 |
| Amica Financial Stability | 3/3 |
| Amica Claims Process | 15/15 |
| Amica Types of Insurance and Additional Services Offered | 5/5 |
| Amica Discounts | 5/5 |
| Amica Transparency | 5/5 |
| OVERALL | 78/93 |
Now that you’re familiar with how Amica scores in each of our review categories, let’s see how it compares to top competitors in a handful of key areas. Hopefully, this will help you find the best insurance company for your needs.
Amica Car Insurance Pricing
Category Rating: 60% (25 out of 30)
| Driver Profile | Average Quote |
|---|---|
| 18-Year-Old | $121 per month |
| 21-Year-Old | $82 per month |
| 45-Year-Old | $44 per month |
| 45-Year-Old with a Speeding Ticket | $51 per month |
| 45-Year-Old with DUI | $116 per month |
| 55-Year-Old | $41 per month |
| 65-Year-Old | $43 per month |
Amica is one of the more affordable auto insurance companies you’ll find. The company received a score of 25/30 in the cost portion of this review, as its premiums rank in the second quartile among the cheapest major car insurance providers that WalletHub evaluated. Learn more about WalletHub’s Methodology.
Amica Customer Service & Reviews
Category Rating: 80% (20 out of 30)
- Reviews on WalletHub: 3.6/5
- J.D. Power: 4.3/5
- NAIC: 0.92
- BBB: A+
Amica has a good NAIC rating, which indicates customer reviews are positive overall. An A+ rating from the Better Business Bureau also supports Amica’s good reputation overall, but it doesn’t have a 24/7 customer support line like some of its competitors, so it didn’t get the highest score possible in this category.
Amica’s Financial Stability
Category Rating: 100% (3 out of 3)
- AM Best: A+
When it comes to financial strength, Amica has an A+ (superior) rating from AM Best, one of the nation’s leading credit rating agencies for the insurance industry.
Amica Claims
Category Rating: 100% (15 out of 15)
Amica lets customers file a claim online or over the phone 24/7 (800-242-6422), so it got the highest score possible in this category, per WalletHub’s grading criteria.
Learn more about Amica's claims process.
Amica’s Types of Insurance
Category Rating: 100% (5 out of 5)
- Auto insurance
- Homeowners insurance
- Umbrella insurance
- Condo insurance
- Renters insurance
- Marine insurance
- Motorcycle insurance
- Wedding and Event insurance
- Small Business insurance
- Retirement insurance
- Flood insurance
- Pet insurance
- RV and Trailer insurance
- Life insurance
Since Amica offers a wide variety of insurance options, the company scored well in this category. There are also generous discounts for bundling policies.
As an auto insurer, Amica offers all the basic car insurance coverage options: property damage liability, bodily injury liability, medical payments, personal injury protection, uninsured/underinsured motorist, collision, and comprehensive. It also offers several supplemental and specialty insurance options.
Supplemental Amica Car Insurance Coverage Options:
- Roadside Assistance: Covers the cost of towing, jump-starts, flat-tire repairs, fuel delivery, and locksmith services.
- Full Glass Coverage: Covers the cost of glass repair/replacement services, helping you avoid a deductible payment.
- Rental Reimbursement: Covers the cost of a rental car after an accident (up to $20 per day, $600 total). Coverage limits vary based on a customer’s policy and location.
- Platinum Choice Auto®: Delivers extra protections and benefits, including accident forgiveness, full glass coverage, identity monitoring, and prestige rental coverage (up to $5,000 toward a rental if your car is being repaired due to a covered loss).
Amica also offers free protections and benefits for its customers. The availability of these extra perks varies by location.
Free Amica Car Insurance Protections & Benefits:
- Lock Replacement: Offers free lock replacement services for lost keys.
- Glass Repair: Provides free repair services for damaged glass, but it does not cover replacements.
- Air Bag Repair: Fixes a deployed air bag for free.
- Wage Reimbursement & Bail Bonds: Provides reimbursement of lost wages if you have to appear in court, along with $1,000 for bail bonds.
- Depreciation Protection: Protects a new vehicle from depreciation if it is completely totaled in an accident within the first year of ownership. Not available in all states.
While Amica does not offer special ridesharing or commercial auto insurance coverage, the company does offer insurance policies for boats and motorcycles.
Amica Discounts
Category Rating: 100% (5 out of 5)
- Multi-vehicle discount
- Multi-line discount
- Loyalty discount
- Homeownership discount
- Young driver training discount
- Good student discount
- Student away at school discount
- Rewarding your parent's loyalty discount
- Accident-free discount
- Defensive driver training discount
- Anti-theft discount
- Electronic stability control discount
- Passive restraint discount
- Forward-collision warning discount
- Adaptive headlights discount
- Paid in full discount
- AutoPay discount
- Paperless discount
With more than 15 discounts available, Amica scored well in this category. Just remember that not all discounts are available in all states, and the rates can vary by location.
With that being said, Amica’s “dividend” policies can be confusing. Being a mutual insurance company, Amica can return a certain percentage of customers’ annual premium payments in the form of dividends. The dividend payments average 5% to 20% of your annual premium, depending on the year. However, such payments are not guaranteed, and this policy option is not available in all states, like Amica’s discounts.
Amica Transparency
Category Rating: 100% (5 out of 5)
You can find key information on the Amica website quickly and easily, so it got the top score in this category.
Bottom Line
Amica is a solid, affordable insurance company, and it earned good scores from WalletHub for the number of discounts it offers, its claims handling process, and the types of insurance options available. In addition to auto insurance policies, Amica offers standard homeowners insurance, business insurance and life insurance options. There are even coverage packages available for pets, special occasions and retirement planning. Amica’s straightforward website also makes for an easy insurance shopping experience. However, the company could make improvements when it comes to customer service. All in all, WalletHub’s editors give Amica insurance a rating of 3.4/5.
Amica Auto Insurance vs. Competitors
| Insurer | Amica | Allstate | Geico | State Farm |
|---|---|---|---|---|
| Average Premium* | $1,448 per year | $1,859 per year | $732 per year | $1,956 per year |
| Number of Car Insurance Discounts | 18 | 12 | 17 | 16 |
| Offers Home Insurance | Yes | Yes | Yes | Yes |
| Complaints Score (lower is best) | 0.92 | 2.70 | 1.23 | 1.18 |
| Editor’s Rating | 4.2 | 2.9 | 4.4 | 4.1 |
*Complaints Score represents the company's overall NAIC rating. Car insurance-specific rating may differ.
*Average annual premiums are based on a variety of driver profiles. Individuals premiums may differ, but these rates illustrate how costs from these insurers typically compare. Learn more about how these rates were calculated in the methodology section below.
For more car insurance research, check out WalletHub’s Cheap Car Insurance Study. And if you have experience with Amica auto insurance that you think might help other consumers, you can also write an Amica insurance review.
Video: Amica Insurance Review
Methodology
In order to provide fair, helpful reviews of insurance companies such as Amica that can lead consumers to the best insurance coverage for their needs, WalletHub rates each insurance company in seven major categories: Cost, Insurance Types, Customer Service & Reviews, Discounts, Claims, Financial Stability and Transparency. Below, you can find an overview of what each section in our scoring rubric entails.
- The “Cost” section includes information about how expensive the insurance policies are. Amica’s average premiums and quartile rankings are based on data from New Jersey, one of the largest states Amica operates in. Rate information is provided by Quadrant Information Services. Individual rates will be different.
- The “Insurance Types” section examines what types of insurance policies the company offers.
- The “Customer Service & Reviews” section measures the insurance company’s reputation as well user reviews and information from watchdog organizations.
- The “Discounts” section examines how many and what types of discounts the company offers. It also takes into consideration whether or not there are discounts for bundling policies.
- The “Claims” section examines the ways in which customers can make claims with the policy. It considers whether or not customers can make claims by phone or online, as well as whether or not the company has a 24/7 support line.
- The “Financial Stability” section considers the company’s status with credit rating agencies A.M. Best, S&P and Moody’s.
- The “Transparency” section measures how clearly the insurer discloses key information on its website.
The final score takes these seven categories into account and reflects how close an insurance company is to WalletHub’s definition of a 5-star insurer. For more information, please read WalletHub’s full insurance company methodology.
