Amica Insurance

981 Reviews

Amica is one of the oldest car insurance companies in the U.S., having opened for business over a century ago, in 1907. Coverage from Amica is available in all states, except Hawaii. Here are a few other key things to know about Amica Insurance:

4.2 / 5 rating from WalletHub editors
3.6 / 5 average rating among users. Read reviews.
A+ BBB rating
Offers auto insurance, home insurance, life insurance, condo insurance, renters insurance, flood insurance, small business insurance, and more.

Find Cheap Car Insurance from WalletHub Partners

Amica Insurance Reviews

The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 06/03/2023.

3.6

What's Your Rating?

WalletHub
January 19, 2023 • @WalletHub

editor's review

Amica Insurance Review

Amica is rated 4.2/5 by WalletHub’s editors, based on customer reviews, sample insurance quotes, and ratings from organizations such as J.D. Power. Amica reviews from consumers tend to focus on the company’s solid claims process, but it’s a mixed bag when it comes to customer service. Also, Amica’s NAIC rating is 0.92, which means it has received more complaints than the average car insurance provider. A majority of the complaints reported to the NAIC are about unexpected surcharges and delays in claims payments, as well as unsatisfactory settlements.

Amica Insurance Ratings

Reviews on WalletHub: 3.6/5
J.D. Power: 4.3/5
NAIC: 0.92
BBB: A+
AM Best: A+

Amica Auto Insurance Review Highlights

Rank – Second cheapest quartile among the cheapest major car insurance companies, according to WalletHub’s price comparison.

Top Discounts – Vehicle safety, safe driving, autopay, paid-in-full, and loyalty discounts.

Basic Coverage Options – Bodily injury liability, property damage liability, medical payments, personal injury protection, comprehensive, collision, and uninsured/underinsured motorist.

Supplemental Coverage Options – Roadside assistance, full glass coverage, rental reimbursement, and the Platinum Choice Auto® package, which contains all of these supplemental coverage options plus identity monitoring and better rental coverage.

Free Benefits – Lock replacement, airbag repair, glass repair, wage reimbursement (if you have to appear in court), bail bonds, and depreciation protection.

To help drivers better understand how much Amica car insurance costs, WalletHub’s editors obtained sample Amica auto insurance quotes for a mix of driver profiles varying in age and driving record. You can learn more about these sample quotes in the Methodology section of our full Amica insurance review.

Amica Auto Insurance Quotes

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 insurance companies you’ll find, too. The company ranks in the second quartile among the cheapest major car insurance providers in WalletHub’s cost comparison.

Amica Home Insurance Review Highlights

Amica offers several homeowners insurance policies. It offers coverage for renters and condo owners, too.

A standard homeowners insurance policy from Amica protects your home, garage, and other structures on your property from risks like fire, wind, hail, or lightning. It includes personal liability coverage, in case someone else gets hurt on your property, and loss-of-use coverage, which pays for temporary housing, storage fees, and extra food expenses if you can’t stay in your home while it’s being repaired. Amica homeowners insurance will also protect your belongings, including clothes, furniture, and personal electronics.

There’s supplemental homeowners coverage from Amica, too. Extended home insurance options include valuable items coverage, catastrophic coverage, home business coverage, and dwelling replacement coverage. There’s even an add-on coverage option for identity protection, as well as a flood insurance option for extra coverage.

For condo owners, an insurance policy from Amica covers the things inside your unit that your condo association’s insurance policy might not, like your personal possessions, appliances, and any improvements you make to your condo. For renters, Amica helps replace your belongings in case they’re stolen or damaged, and an enhanced renters insurance policy can cover big-ticket items like jewelry, furs, computers, and other electronics.

All in all, Amica offers homeowners insurance policies that cover all the basics, and then some, without costing a fortune.

Bottom Line: Is Amica a Good Company?

Yes, Amica is a good insurance company, earning a rating of 4.2/5 from WalletHub’s editors. Amica insurance is a winner when it comes to coverage options and quality claims support, and the company is generous with discounts, too. It’s a bit lacking when it comes to customer service, though.

To learn more, read WalletHub’s complete Amica insurance review, or check out some of the reviews from fellow consumers below.

Product: Amica Insurance Car Insurance

Comment

BG Sco
June 2, 2023 • @braderv5

Unreasonably high premium for no reason. I called and asked the Customer Representative to remove the umbrella. They said it would be a 3% increase in my dwelling policy, which was OK because I'm reducing the umbrella policy. I ended up with a $25 monthly increase in the overall policy premium. I moved my business back to my previous carrier, who has been wanting my business back. They saved me over $100 monthly.

Product: Amica Insurance Home Insurance

Comment

Fontenot2000
May 23, 2023 • @Fontenot2000

The insuranced my thirty year roof installed 2011, when I had Amica already, only for twenty years. Also they don't have senior discounts, I have home and auto with them. Never had a claim, they are getting to expensive for me, but I will find a good insurance with senior discount.

Product: Amica Insurance Home Insurance

Comment

terencejupp
March 13, 2023 • @terencejupp

I have been insured by Amica for almost 30 years. Homeowners, auto and liability umbrella. Over time this has been a great company, but something has radically changed over the last 2-3 years. Their coverage rates have gone through the roof and their customer service has deteriorated significantly.

After all of these years with Amica I am now shopping for a new company to move my coverage too. It is really unfortunate what has happened to this once very good company.

Product: Amica Insurance Home Insurance

Comment

shaley75
March 8, 2023 • @shaley75

been with the company for close to 20 years and overall have been pleased until recently. Customer service has deteriorated significantly. Poor training, poor performance, unable to transact customer request for policy changes in an efficient and professional and timely way. It would appear they are understaffed perhaps? Training level of new employees is inadequate? Less quality in service rep staff? Three months into 2023 unable to recognize new vehicle vin numbers for a policy change and must do it manually? Somethings not right, and, let's remind ourselves. This company has NO brick and mortar neighborhood offices. Saving that kind of money with only phone reps, and, there is NO commensurate pass through of that savings to customers. They are NOT the low-cost leader in insurance. Time to move on to someone else.

Product: Amica Insurance Car Insurance

Comment

Pkdallaire
March 5, 2023 • @Pkdallaire

Was insured with AMICA since *1989* Last couple years their pressure for me to increase the coverage of my home has bordered on extortion. When I’m being told to insure my home for MORE than I could ever sell it for something is wrong. Making me sign letters saying “I know I’m underinsured” Premium increases each year of hundreds of $ are the norm. I shopped around and ended up with more coverage elsewhere for same money. I wrote them to ask for cancellation and they never even acknowledged my email. AMICA used to be great. I should know, I worked for them in the early 90s. They had standards. Customer service is poor.

Product: Amica Insurance Home Insurance

Comment

Jeff Beck
January 3, 2023 • @jnbeck350

My homeowners policy was cancelled due to my refusal to accept a "replacement" cost of 150% of what similar homes in the neighborhood have been selling for. And, of course, the "estimate" of interior personal property is a set percentage of the replacement cost of the home, which further inflates the policy premium. They didn't want to listen-even after I pointed out the discrepancy in their wild estimate and the actual selling price of nearby similar homes. And to top it off, I mentioned to the agent that even if the home burns to the ground, the land is still there! An additional cost that is included in a selling price, and a cost that doesn't need to be "replaced"!
And let me tell you about the worn-out answering system that skips and has silent sections!!
Other than that, after having no claims on my home and auto insurance for 12 years, and never being late with premium payments totaling well over $20,000, it's a great company! SURE!!!!!

Product: Amica Insurance Home Insurance

Comment

Doreenbcran
November 14, 2022 • @Doreenbcran

Rip off. 10 month payment plan means total amount divided by ten and paid as such. Not at Amica. 10 month policy means you pay 8 months and 2 months double the amount. I have been ripped off for years. You get a notice of your next bill. If on auto pay they take out double. Just try to get it fixed. Impossible. Their reps are morons and no one cares you have receipts showing every single payment. I even was horribly abused by a man who yelled at me and said all my policies were cancelled. This is illegal. Do not use Amica. Had to file a fraud report with my bank to keep them from going in and taking out any mount they wanted. Crooks and abusers.

Product: Amica Insurance Home Insurance

Comment

jmwommack1
November 8, 2022 • @jmwommack1

The greed by Amica is disgusting. My premium went up by 20% for no reason - we had no claims on a 2010 car. The company profits increased so I can only conclude that the executives bonuses weren’t big enough. Also the customer service is horrible.

Product: Amica Insurance Car Insurance

Comment

Richard Fudge
September 18, 2022 • @fofbob

I have had Amica vehicle insurance for a year and have been very happy with the service and price. I'd like to bundle by also getting homeowners from Amica, but they won't insure my home because I have galvanized piping. Weirdly, no other company has even asked me about the plumbing, but for Amica it's a door slammer. I'm disappointed that they don't even seem interested in making this work.

Product: Amica Insurance Home Insurance

Comment

Review Amica Insurance

Amica Insurance Offers

Business Insurance

Car Insurance

Flood Insurance

Home Insurance

Life Insurance

Motorcycle Insurance

Pet Insurance

Renters Insurance

Umbrella Insurance

Amica Insurance Q&A(51 questions)

Is Amica legit?

Upvotes

Delaney Simchuk, Car Insurance Writer

Yes, Amica is a legitimate insurance company that offers auto, home, and life insurance. According to major insurance rating agencies, Amica is a safe bet financially and has a relatively high customer satisfaction score. Additionally, Amica's rates are very affordable. A minimum coverage car insurance policy with Amica typically costs $523 per year, which is cheaper than the average cost.

Why Amica is Legit

Amica offers coverage in most states.
Amica has been in operation since 1907 and is currently headquartered in Lincoln, Rhode Island.
Amica has an A+ from the Better Business Bureau.
AM Best gave Amica an A+ rating for its financial strength and ability to pay out claims.
The Amica NAIC rating is 0.92, meaning it receives a relatively low volume of customer complaints.
Amica has an average user rating of 3.6/5 on WalletHub.

To learn more, check out WalletHub's complete Amica review.

Note: Rates are an approximation based on a driver with a clean driving record in California. Actual rates will vary.

Is Amica a good insurance company?

Upvotes

WalletHub

Yes, Amica is a good insurance company, offering car, home and life insurance to people in 49 states. Amica has earned A+ ratings from insurance industry watchdogs like the BBB and A.M. Best, and it has an average user rating of 3.5/5 on WalletHub. Amica does have more customer complaints than average, however, according to the National Association of Insurance Commissioners.

Amica Mutual Insurance Company, as it's officially known, is based in Lincoln, Rhode Island, and it has been in operation since 1907. It currently offers a variety of insurance policies for cars, boats and homes, as well as coverage for pets, special events and small businesses. You can save by bundling Amica Insurance policies, too.

Why Amica Insurance Is a Good Company:

Has been in business since 1907
A+ rating with the Better Business Bureau
A+ rating with A.M. Best
Averages 3.5/5 among user ratings on WalletHub

You can get a free Amica Insurance quote online or by contacting an agent at 1-800-242-6422.

To learn more, check out WalletHub's Amica insurance review

What is the Amica phone number?

Upvotes

Delaney Simchuk, Car Insurance Writer

The Amica phone number is (800) 242-6422 for sales and customer service, and customer service representatives are available Monday to Friday, 6 AM - 1 AM and Saturday and Sunday, 7 AM - midnight ET. You can also contact Amica by going to Amica's website and using the chat function, emailing customer service, or mailing a written request.

How to Contact Amica

Call (800) 242-6422 to speak with a customer service representative
Go to Amica's website and use the chat function
Mail your request to Amica at Amica Scan Center / PO Box 6700 / Providence, RI 02940-6700
Visit a Amica agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact Amica. For instance, to file a claim, you can file online or over the phone. However, to cancel your policy with Amica, you will most likely need to call (800) 242-6422.

Amica Phone Numbers

Department	Phone Number
Sales and Customer Service	(800) 242-6422
Roadside Assistance	(866) 286-9968
Claims	(800) 242-6422
Quotes	(800) 242-6422
Account and Technical Help	(833) 915-0019

To learn more, check out WalletHub's full review of Amica.

How much does insurance go up after an accident with Amica?

Upvotes

WalletHub

Amica insurance rates go up by an average of 74% after an accident. Even though an accident will cause Amica to raise your car insurance premium when you renew your policy, the added cost will only be temporary. An accident will usually affect your Amica premium for just 3-5 years.

The exact amount that Amica premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault wrecks. Additionally, premiums increase more for drivers who have had previous accidents or moving violations.

To learn more, check out WalletHub's complete review of Amica car insurance, as well as our guide to how much insurance goes up after an accident.

What rating does Amica Insurance have?

Upvotes

WalletHub

Amica Insurance is rated 3.4 out of 5 by WalletHub's editors, based on factors such as customer reviews and watchdog-group ratings. For example, Amica has a rating of 1.95 from he National Association of Insurance Commissioners (NAIC), meaning it has more customer complaints than the average insurer its size.

Amica Insurance Ratings

WalletHub Editors: 3.4
A.M. Best: A+
J.D. Power: 4.3
NAIC: 1.95
BBB: A+
Average User Rating on WalletHub: 3.6 /5

To learn more, check out WalletHub's complete Amica car insurance review.

Amica Insurance Contact

What type of help do you need?

Visit Website

800-242-6422

100 Amica Way

Lincoln, RI 02865

Local Amica Insurance agents:

Claim This Page Report Abuse

Information on this page is provided 'as is' and solely for informational purposes, not for any other purpose or advice. In addition, this information does not originate from us and thus, we do not guarantee its accuracy.

You can check the profile page of each professional or company to determine whether they are a paying advertiser (indicated by the word "sponsored"). Regardless of advertiser status, none of the listings, reviews, or other information on WalletHub constitutes, in any way, a referral or endorsement by us of the respective financial company or professional, or vice versa. Furthermore, it is important to note that the inclusion of a financial company or professional on WalletHub does not necessarily indicate their involvement with the site or control over the information that we display. Information is displayed first and foremost for the benefit of consumers.

Editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution's responsibility to ensure all posts and questions are answered.