4.5 / 5

  • Competitive rates.
  • Highly-rated customer service.
  • Extra benefits at no charge: lock replacement, airbag repair, etc.
  • Easy-to-navigate website
  • Complaints about premium increases.
  • Confusing “dividend” auto policy option.
  • No ridesharing or commercial coverage.

Amica Review Summary: Amica car insurance is a solid, budget-friendly choice for drivers who want quality coverage options, a variety of discounts, and reliable customer service. Amica’s straightforward yet informative website also makes for a fast and easy car insurance shopping experience.

Buying car insurance with Amica may be stress-free, but the insurer’s auto “dividend” policy can cause confusion for those who are not familiar with this type of insurance product. Because Amica is a mutual insurance company, they are able to return a 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.

In the sections below, you can learn more about Amica’s coverage options, the extra benefits they throw in for free, and how they compare with their better-known competitors like GEICO and Progressive.

Amica Auto Insurance Reviews & Ratings

  • WalletHub: 3.8/5 (51 user reviews).
  • Better Business Bureau: A+ rating (accredited)
  • J.D. Power: 4/5
  • National Association of Insurance Commissioners (NAIC): The number of complaints for Amica was less than the national median for the auto insurance industry in 2018.

Amica Insurance has consistently been a top performer in the auto insurance industry, receiving top marks in the areas of customer service, customer retention, and overall satisfaction. Many of the complaints posted online shows that customers are largely unhappy with Amica’s premium increases year after year. In terms of financial strength, an important indicator of claims-paying ability, the auto insurer has maintained an A+ (superior) rating from A.M. Best.

Fun Fact: Established in 1907, Amica Insurance is the oldest mutual insurance company offering auto insurance policies in the United States.

Amica Car Insurance Coverage Options

Amica offers common car insurance coverage options that include property damage liability, bodily injury liability, medical payments, personal injury protection, uninsured/underinsured motorist, collision, and comprehensive. Amica also distinguishes itself from competitors by offering several protections and benefits for free.

Free Amica Car Insurance Protections & Benefits:

  • Lock Replacement: Offers free lock replacement for lost keys.
  • Glass Repair: Provides free repair for damaged glass (does not cover replacements).
  • Air Bag Repair: Fixes a deployed air bag for free.
  • Wage Reimbursement & Bail Bonds: Provides reimbursement of any lost wages if you have to appear in court and provides $1,000 for bail bonds.
  • Depreciation Protection: Protects your new vehicle from depreciation if it is completely totaled in an accident within the first year of ownership. This benefit is not available in all states.

Drivers can also upgrade their policies with enhanced coverage options.

Supplemental Amica Car Insurance 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 or replacement, helping you avoid a deductible payment.
  • Rental Reimbursement: Covers the cost of a rental car after an accident (typically $20 per day, up to $600 total). Coverage limits vary by policy and by state. Additional coverage options are available for purchase.
  • Platinum Choice Auto®: Delivers a package of protections and benefits, including accident forgiveness, full glass coverage, identity fraud monitoring, and prestige rental coverage. These “platinum” options can also be added individually to your auto policy.

Amica Insurance does not provide ridesharing or commercial auto coverage. However, Amica does offer insurance policies for boats and motorcycles.

Sample Amica Auto Insurance Quotes

WalletHub’s editors obtained sample Amica car insurance quotes for a total of six driver profiles, which are fairly representative of drivers across the U.S. Premiums may vary by state, however, as well as the level of car insurance coverage you decide to purchase.

Sample Age Clean Driving Record Poor Driving Record
21 $298 / month $367 / month
30 $192 / month $257 / month
42 $173 / month $242 / month

Learn more about how we obtained these sample quotes in the Methodology section at the end of this review.

Amica Insurance Discounts

  • Loyalty: Discount when you have been with an auto insurer for at least two years prior to switching to Amica.
  • Multi-line: Up to 15% discount when you have multiple insurance lines with Amica.
  • Claim-free: Discount for remaining claim-free for 3 years.
  • Multiple auto: Up to 25% discount when you have 2 or more vehicles insured with Amica.
  • Homeownership: Discount for simply being a homeowner.
  • Legacy: Discount for individuals under the age of 30 whose parents have had an auto policy with Amica for 5 consecutive years.
  • Paid in full: Discount for paying your entire policy premium up front when you get the first bill.
  • AutoPay: Discount when you set up autopay for your premium payments.
  • E-discount: Discount when you opt to receive policy documents and bills electronically.
  • Vehicle safety: Discount for having certain safety features onboard, including: anti-theft, electronic stability, passive restraint, forward-collision warning, adaptive headlight.
  • Safe driving: Discount for completing a defensive driving course.
  • Young driver: Discount for young drivers who have completed an approved driver training program.
  • Good student: Discount when your high school or college student maintains a B or better average and are between the ages of 15 and 25 years old.
  • Away at school: Save when your children are away at school without a vehicle.

Please note that not all discounts are available in all states. Discount rates can also vary by state.

Amica Auto Insurance vs. Popular Alternatives

Insurer Nationwide GEICO State Farm Allstate
Average Annual Premium $2,989 $3,925 $3,546 $3,422
Customer Satisfaction* 4/5 3/5 3/5 3/5
WalletHub Ranking (total of 46 companies) 9th 26st 21th 17th
Complaints Score (lower is best) (lower is best) 0.70 0.59 0.84 0.70

*Source: 2018 J.D. Power Insurance Shopping Study


In order to determine Amica auto insurance’s ranking in the industry, WalletHub’s editors reviewed the policies offered by the largest, most popular car insurance companies in the United States. We evaluated the relative strengths and weaknesses of each company, along with the types of drivers each is best positioned to serve.
More specifically, WalletHub’s Amica car insurance rating is based on a combination of factors, which research has shown to be particularly important for car insurance shoppers.

  • Customer reviews
  • Watchdog ratings
  • Coverage options
  • Coverage limits
  • Cost
  • Transparency
  • Claims process
  • Customer service

To help gauge the level of customer satisfaction at Amica and other companies, WalletHub calculates a complaints score for each insurer. This score is the ratio of each insurer’s share of all U.S. car insurance complaints over the insurer’s share of annual premiums for private passenger auto policies. Put another way, the complaints score reflects the number of complaints adjusted to the size of the auto insurer. The adjustment is necessary, as larger companies generally receive more complaints.

Assumptions for Nationwide Car Insurance Quotes:

Gender: Male
Marital Status: Single
State: California
Car: Honda Accord
Comprehensive Deductible: $250
Collision Deductible: $500
Collision Deductible Waiver Add-on: Included

Coverage Type Coverage Limit
Bodily Injury $100,000/person $300,000/accident
Property Damage $50,000
Medical Payments $5,000
Uninsured/Underinsured Motorist (Bodily Injury) $30,000/person $60,000/accident

To calculate and compare the cost of Amica auto insurance, WalletHub collected quotes from all major auto insurers for at least 30 cities in California. We also obtained quotes for a variety of driver profiles from the state regulator’s database, including profiles with different ages and driving records. A good driving record assumes no accidents. A poor record assumes at least one at-fault accident or one traffic violation. By receiving quotes for multiple driver profiles, WalletHub ensured a diverse sample. California was chosen given that it is the most populous state in the U.S. (12% of total population), and it lands in the middle of the price rankings in WalletHub’s 2019 Cheap Car Insurance Study.

For more research, check out WalletHub’s 2019 Cheap Car Insurance Study. If you have experience with Amica auto insurance that you think might help other drivers, you can also write an Amica car insurance review.

Was this article helpful?

Awesome! Thanks for your feedback.

Thank you for your feedback.