Amica Auto Insurance: User Reviews and Quotes (2025)

Amica is a national insurer that offers car insurance along with numerous other insurance products, like home and life insurance. The company is known for award-winning customer service and consistently ranks No. 1 for customer satisfaction by J.D. Power in the New England region. Amica’s discount options also include a dividend policy, which returns a portion of your premium.

In this review, we take a closer look at Amica car insurance, including coverage options, discounts, and how the company compares to other insurers.

Amica auto insurance at a glance

What Amica car insurance covers

Amica offers the state minimum liability auto insurance and many other common coverages — including medical payments, personal injury protection, uninsured/underinsured motorist, and comprehensive and collision policies — for drivers who want more protection.

Some of its other auto coverage options include:2

• Auto loan/lease coverage: This optional coverage pays the difference between the value of your car and your loan or lease balance if you total your car in a covered accident.

• Full glass coverage: This add-on covers the cost to repair or replace your vehicle’s glass without a deductible.

• Roadside assistance: This covers the cost of towing, changing a flat tire, jump-starting a battery, or other assistance, 24 hours a day, seven days a week.

• Rental reimbursement: This covers your transportation costs while you repair your car after a covered accident.

Amica car insurance costs by state 

Car insurance costs and requirements vary significantly depending on the state where you live and insure your vehicle.

It’s important to compare quotes from several different companies before selecting an auto policy. That way, you can ensure you’re getting the best coverage for your money. The following table shows some examples of Amica’s average monthly rates in different U.S. states.

Amica car insurance rates by driving history

Your driving record will heavily influence your car insurance rates. Insurance companies consider factors such as the number of years of driving experience you have and any past accidents, claims, or tickets when assessing how much you should pay for auto coverage. You may be eligible for cheaper rates if you have a clean driving record.

Amica car insurance cost by age

The cost of car insurance for drivers varies significantly based on your age. In general, drivers younger than 25 pay higher premiums due to a lack of driving experience and a statistically higher risk of having an accident.3

How to get an Amica car insurance quote

Here’s how you can get a quote through Amica:

1. Visit Amica.com and select “Get a Quote” from the drop-down menu at the top of the page.

2. Enter your ZIP code. If Amica offers coverage in your area, the insurer will then ask you to select the type of policy or policies you want quotes for.

3. You’ll then need to provide information about yourself, such as your name, address, date of birth, marital status (if applicable), occupation, and driver’s license number(s) for all drivers in your household who the policy will cover.

4. Next, you’ll provide details about the vehicle(s) you want to insure, such as the make, model year, and vehicle identification number (VIN).

5. Then, you’ll have the opportunity to answer questions about discounts that you may qualify for, such as loyalty, safe driver, and student discounts.

6. Finally, Amica will give you a quote, which you can customize by changing limits, qualifying for discounts, or adding optional coverages.

Amica car insurance discounts

Like many other insurers, Amica offers various discounts to help customers reduce the cost of their auto coverage, including:4

• Loyalty: Amica offers discounts for customers who have been with their existing auto insurance company for at least two years. Customers younger than 30 whose parents have had an auto policy with Amica for at least five years may also qualify for a legacy discount.

• Bundling: You can save if you bundle your auto insurance with homeowners, condo, renters, life, or umbrella policies. Amica also offers a discount to policyholders who insure multiple cars on the same policy.

• Young driver training: Drivers younger than 21 may qualify for a discount if they complete an approved driver training program.

• Students: You may be eligible for a discount if your child is a full-time student living away from home without a car. Full-time high school and college students with good grades may also qualify for a good student discount.

• Good driver: Drivers who have been claim-free for the past three years may qualify for a discount. You can also get a discount for taking an approved driver safety course.

• Safety/anti-theft devices: You may qualify for discounts if your car has certain safety features, such as airbags, adaptive headlights, car alarms, CPS tracking systems, electronic stability control, and collision avoidance features.

• Pay in full: You’re eligible for a discount if you pay your entire policy premium up front rather than in monthly installments. You can save more by enrolling in paperless billing and signing up to have your payment electronically drafted from your account.

Amica bundling options

Many insurance companies offer bundling discounts to incentivize customers to purchase multiple policies from them. This helps increase customer loyalty and generate more revenue for the company.

Amica offers bundling discounts for people who bundle their auto insurance with homeowners, condo, renters, life, flood, boat, motorcycle, small-business, and umbrella policies. You can save up to 30% when you purchase your auto policy plus one or more other policies from Amica, according to the company’s website.

Amica reviews and ratings

Customer reviews and third-party ratings can be extremely helpful when making a decision about your car insurance. Amica fares pretty well overall regarding customer reviews and ratings, though it has a few weak spots.

Amica customer reviews

Amica has a 4.4/5 rating on Trustpilot, with many reviewers praising the company’s customer service.7 But a common complaint is the lack of do-it-yourself options via the Amica website and mobile app for customers who prefer to handle basic policy changes themselves.

While you can use the website to get a quote and the app to access your insurance, pay bills, report and track claims, and view policy information, you’ll need to contact a customer service representative to purchase a policy or make changes to your vehicle, drivers, or coverages.

Amica ratings

Here’s a look at Amica car insurance ratings from third-party rating services. AM Best ratings focus on the financial strength of companies — in insurance, it’s a determination of how confident AM Best is that the insurer can pay out claims.

The BBB, J.D. Power, and the National Association of Insurance Commissioners (NAIC) focus more on customer and consumer feelings toward the insurance company, considering things like satisfaction and complaints.

• AM Best: A+ (Superior)

• J.D. Power: 735/1,000 

• Better Business Bureau: A+

• NAIC Complaint Index: 0.57 (Fewer complaints than average)

Amica vs. other insurance companies

The car insurance market is highly saturated with a large number of companies vying to provide the best coverage and services at competitive prices. With so many options, making the best choice when selecting car insurance can be overwhelming.

Here’s how Amica stacks up against some of the top insurers in the country.

Amica vs. Allstate

Allstate offers many of the same coverage options as Amica. It also has discounts for people who bundle their auto insurance with their home, condo, or renters policy.

Amica’s bundling discount is slightly more attractive, however. Bundling can reduce your premiums by up to 30%, according to the Amica website. One thing to consider is that Allstate offers auto policies to drivers in Hawaii, while Amica doesn’t.

Amica vs. Farmers

Farmers offers many types of policies, including auto, homeowners, life, and small-business insurance. Customers can also customize their policy to include additional protections, like roadside assistance and rental car reimbursement.

Farmers might be a better option if you prefer to purchase your policy online from start to finish because it allows you to buy policies online.

Amica vs. State Farm

State Farm offers a wide range of policies for auto, home, life, and business. It has similar auto insurance discounts as Amica, such as good driver and bundling discounts.

But State Farm might be a better option than Amica if you prefer to work with a local agent. The company provides coverage via a network of independent contractor agents across the country, and there’s a good chance you can find a local agent in your community to provide one-on-one service.

How to file an auto insurance claim with Amica

An auto insurance claim is a request for payment from an insurance company after an incident or loss related to your car. You may need to file a claim after an accident, theft, or damage due to something like hail or vandalism.

If you need to file an auto insurance claim with Amica, here’s what you should do:

1. Gather the information you need to report the claim, including the incident number (if the police were called) and information on any other drivers or vehicles involved.

2. Report the claim to Amica as soon as possible. You can call its customer service line at 1 (800) 242-6422 and report the claim online or via the mobile app.

3. Submit any required documentation for claim processing, such as photos and repair estimates.

Amica will then review your claim and determine if it’s covered by your policy. If approved, Amica will pay out the amount of coverage specified in your policy minus any applicable deductible.

Amica insurance FAQs