Amica car insurance review February 2018 |

Amica car insurance review February 2018

Amica Car InsuranceDividends, discounts, roadside assistance and other perks of Amica car insurance

There’s lots to consider when choosing a car insurance company. A good place to start is with a plan that fits your budget and meets your state’s requirements. If you’re considering insuring your car through Amica, consider its options and benefits to help you with your decision.

What is Amica?

Headquartered in Lincoln, Rhode Island, Amica is the oldest mutual insurer of automobiles in the US. A mutual insurance company is solely owned by its policyholders, not investors or stockholders. This means that any profits the company generates are retained within the company or passed on to its policyholders.

Amica’s fair prices and loyalty to its policyholders make it a great contender for your insurance needs.

With 44 offices across the country and only 3,400 employees, it isn’t one of the largest insurance providers — but what it lacks in size it makes up for in customer service. Amica gets kudos from industry experts and received an A+ this year from A.M. Best Company — the nation’s authority on insurance company financial stability.

What car insurance coverages does Amica offer?

  • Coverage for your car. Choose from different levels of coverage, including collision — damages caused by a car accident, and comprehensive — damages caused by something other than a collision, like theft, vandalism, fire, etc.
  • Coverage for you and your passengers. Get coverage for injuries caused by an accident.
  • Liability coverage. Covers you when you are legally responsible for an accident.
  • Platinum Choice Auto. Amica offers a tiered option with identity fraud monitoring, good-driver rewards, total glass replacement and coverage up to $5,000 in rental car costs.
  • Towing and labor. Coverage for roadside assistance if you break down and need a tow or repair.
  • Rental coverage. You’ll want rental car reimbursement if your car is not drivable or in the shop.
  • Glass coverage. You can choose who repairs or replaces your windshield, or Amica will help you find one.

Does Amica offer other types of insurance?

Amica offers a whole suite of insurance policies to meet your insurance needs, including life, motorcycle and more.

  • Home insurance. Get coverage for your home with homeowners, renters and condo insurance.
  • Life insurance. Amica offers both term life (a specific period of time) and whole life (your entire life) insurance. Use its online calculator to determine just how much life insurance you need.
  • Retirement products. Choose from a variety of retirement products, including traditional IRA, Roth IRA and annuities.
  • Marine insurance. Coverage for all things water including boats and yachts and even towing if your boat breaks down.
  • Motorcycle insurance. Get protection for you and your motorcycle.
  • Umbrella insurance. Umbrella insurance gives you extra protection beyond what your policy already covers.
  • Small business insurance. Amica partners with Hiscox Insurance to offer small business insurance, including general liability, professional liability and business owner insurance.
  • Wedding and event insurance. This type of insurance will cover you for all types of situations that might arise on your big day, like no-show vendors and extreme weather cancellations.

Pros and cons


  • Pays dividends. As a mutual insurance company, Amica offers a dividend to its policyholders at the end of each term — generally between 5% to 20% of your annual premium. Chose to get a check, direct bank deposit or pay towards your premium.
  • Discounts. Pay less for safe driving, bundling services, multiple cars or being a good student.
  • Roadside assistance. If you find yourself stranded on the side of the road, Amica will dispatch help.


  • Mixed online reviews. You will find a smattering of negative reviews online about its customer service and coverage.
  • Limited coverage area. Amica doesn’t offer coverage in Hawaii.

What do customers say about Amica?

Amica has been accredited by the Better Business Bureau (BBB) since 1957 and received an A+ rating. However, of the 50+ customer reviews on the site, 75% of them are negative, with customers complaining of poor customer service and that the company evades liability for collisions.

A note about customer reviews: Don’t use customer reviews as your sole decider. Customers often only rate a product or service when they want to rant, and this might not be your experience with the company if you choose this provider.

Bottom line

Amica might not be a household name, but its customer service and dividends policies make this provider worth considering. Compare Amica’s policy options with other car insurance providers to find the best option for you.

Frequently asked questions about Amica

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