Amica Insurance Review
Amica is rated 3.4/5 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 1.95, 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: 3.7/5
- J.D. Power: 4.2/5
- NAIC: 1.95
- BBB: A+
- A.M. 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
$224 / month
$129 / month
$59 / month
45-Year-Old with a Speeding Ticket
$72 / month
45-Year-Old with a DUI
$191 / month
$54 / month
$68 / 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 3.4/5 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.