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Amica car insurance review Oct 2020

Last updated:  

Get discounts, good driver rewards and other perks from this customer favorite.

TrustPilot Reviews: 3.2 / 5.0 (6 reviews)'s rating: 4.5 / 5


  • Get a quote if you want amazing customer service and discounts.
  • Pick something else if your Amica quote is too expensive.


Roadside assistance

New car protection

Accident forgiveness


States served Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming
Roadside assistance Optional
Accident forgiveness Yes
New car protection Yes
Pay schedule 6 months, monthly
Claims methods online, email, phone
Rideshare coverage No
SR-22 support Yes


  • Pays dividends
  • Discounts for safe driving, bundling and more
  • Roadside assistance
  • Available in 49 states


  • Limited coverage area
  • Can be expensive
Anti-theft device discount Yes
Bundling discount Yes, up to 15%
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount No
Safety device discount Yes
Special employment discount No
Usage-based discount No

Expert review

Jing Jun Ma

Review by

Jing Jun Ma is an innovations expert at Finder. With a decade of experience in digital marketing and programming, Jing is a tech and data guy. He wrangles data to make it useful for consumers facing a decision.

Expert review

Amica might not be a household name everywhere in the US, but its customer service, great perks and dividend policy option make this provider worth considering. If you’re looking for comprehensive auto insurance coverage and are willing to pay for it, Amica might be the right choice for you.

Amica doesn’t have a lot of downsides. You won’t be able to get coverage in Hawaii, and while its customer satisfaction scores top the charts, there is the odd review with complaints. And sometimes that stellar service doesn’t come cheap, with some customers seeing rates slightly higher than the big national companies. That shouldn’t dissuade you from getting a quote, though, if you value great customer support.

Why choose Amica?

Amica scored 4.5 out of 5 stars in the finder rating scale, making it one of the highest rated car insurance providers. Amica has top scores in customer satisfaction, coverage options, discounts and financial stability.

The perks, great customer service, and competitive discounts make this provider best for those looking for comprehensive coverage at reasonable rates.

Best of 2020
Finder experts pick Amica as a 2020 best brand for car insurance.

How to apply for Amica car insurance

You can get a quote for Amica auto insurance either online or by phone. However, you’ll need to speak with an agent to purchase a policy. To get started:


  1. Visit Amica’s home page, then look for the Get a quote section near the top
  2. Select your state and auto insurance from the drop-downs, then click Go
  3. Answer the preliminary questions then proceed to the next page
  4. Enter your personal information and email, then click Start my quote
  5. Enter your vehicle information, then proceed to the next step
  6. Enter driver information for anyone you plan to ensure
  7. Confirm all info, then click Get your quote
  8. If you’re satisfied with your quote, call 855-862-3026 to purchase coverage

Phone. To apply for auto insurance by phone, reach an agent at 800-242-6422.

What info do I need to apply?

  • Personal information including first and last name, date of birth, gender
  • Address including ZIP code
  • Social Security number
  • Drivers license
  • Vehicle information and registration
  • Financial information
  • Quote reference number, if you filled out an online quote

How to find a local Amica agent near me

To speak to a local Amica agent, search for the closest office location near you through the agent locator:

  1. Go to Amica’s contact page and scroll to the bottom.
  2. Enter your location and tap Search.
  3. See locations near you on the map or in the list window.
  4. You can see the address in the window. Or click View location details for the office phone number.
  5. Call the number or visit the office in person.

What discounts can I get with Amica?

Amica maintains a handful of discounts to lower your premiums. Discounts and eligibility can vary by state.

  • Antitheft. Get a discount if your vehicle has an approved antitheft device installed
  • Autopay. Sign up for automatic payments for quick savings.
  • Claims free. Go without a claim for at least three years to get a discount.
  • Defensive driver. Adult drivers who complete an approved driving course can get discounted rates.
  • Good student. Rates drop for full-time students under 25 with good grades.
  • Homeowner. If you own your home, you can qualify for a discount — even if you don’t insure it through Amica.
  • Legacy. Qualify for a discount if you’re under age 30 and your parents have kept Amica auto insurance for at least 5 years.
  • Loyalty. If you’ve kept continuous insurance with another company, you’ll save when switching to Amica.
  • Multicar. Insure more than one car with Amica to save on your policies.
  • Multipolicy. Save up to 30% by combining auto with home, condo, renter, life or umbrella insurance.
  • Paid in full. Save when you pay your entire premium at once before the due date.
  • Paperless. Sign up for electronic bills and policy documents to save more money.
  • Safe vehicle. You may get discounts for adaptive headlights, electronic stability control, airbags, collision warnings or passive restraint seatbelts.
  • Student away. If your child leaves the car at home when they go to college, you could get a discount.

What car insurance coverage does Amica offer?

  • Collision. Provides coverage against damage to your vehicle from at-fault accidents.
  • Comprehensive. Coverage for your vehicle on and off the road including collisions, weather damage, theft, vandalism, and more.
  • Glass. You can choose who repairs or replaces your windshield, or Amica will help you find one. Plus, you won’t pay a deductible on repairs or replacement.
  • Liability. Covers you when you are legally responsible for an accident.
  • Medical. Get coverage for you and your passengers for injuries caused by an accident.
  • Rental. Rental car reimbursement covers a replacement vehicle if your car is not drivable or in the shop.
  • SR-22 insurance. If you’ve had a major driving infraction and need an SR-22, Amica can help.
  • Uninsured and underinsured motorist. Both property damage and bodily injury coverage is available in case the driver who causes the accident isn’t properly insured.

What extra benefits and add-ons does Amica offer?

Besides the standard comprehensive coverage and great customer service, Amica offers a number of perks and special programs to benefit customers:

  • Car dealer network. A program and dealer network to help you get better prices when purchasing a new or used vehicle.
  • Disappearing deductible. Earn Advantage Points with Amica Platinum Choice Auto and reduce your deductible or remove it altogether.
  • Lifetime repair warranty. Amica has a network of over 1,200 certified repair shops with a lifetime warranty on claims-related repairs. And if your repairs aren’t covered, Amica can refer you to a repair shop.
  • Lock and key replacements. No deductible for lock replacement when your keys are lost or stolen.
  • Lost earnings. Full reimbursement for lost earnings if you attend court due to a claim at Amica’s request.
  • New car replacement cost. Depreciation is not factored in when a new vehicle is declared a total loss within the first year of ownership.
  • Platinum package. Extend your coverage with optional rewards, identity-theft protection, full glass coverage, rental car coverage up to $5,000 and more.
  • Roadside assistance. Coverage for roadside assistance if you break down and need a tow or repair.

    How does Amica bundling work?

    Amica offers many insurance options for bundling discounts up to 30% off your premium. Many companies only bunlde auto with home or renters insurance.

    • Umbrella
    • Annuities
    • Pet
    • Wedding or event
    • Small business

    Amica car insurance reviews and complaints

    Amica holds solid customer support scores with an A+ rating by the Better Business Bureau as of October 2020. However, about 75 customers have filed complaints with the BBB, citing poor customer service and that the company evades liability for collisions.

    Other comparison sites like ValuePenguin and Policygenius praise Amica for its high customer support rankings, excellent claims process and wide list of coverage and discounts.

    Keep in mind that customers often rate a product or service when they want to rant. You might not have the same experience if you choose this company. In contrast to the negative reviews, Amica holds a number of customer satisfaction awards from J.D. Power.

    Amica Mutual Insurance user reviews

    3.2 / 5.0 (6 reviews)
    • I WAS a 20 year customer of Amica.... until this week. For all those years,...
      read full review
    • I heard that this is the best Insurance company. I believe so. Not the cheapest...
      read full review
    • It's not that bad, I see where they coming from as far as an investigation...
      read full review
    • Prices are fair and they are always available when I call. No need to wait...
      read full review
    • Excellent products and service. Best customer service of any insurance firm (and after 70 years...
      read full review
    • Great insurance. Awesome rates. When you need them they are there for you. Long term...
      read full review

    Pros and cons of Amica car insurance


    • Stack up the discounts. Pay lower premiums for safe driving, bundling services, multiple cars, being a good student and more. Amica offers quite a long list of discounts compared to other insurers.
    • 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.
    • Wide coverage and perks. Between a broad range of coverage, perks, and customer service, you can feel confident that you’re properly covered.
    • Customer service. Amica took home the award for best customer satisfaction in the New England region from the J.D. Power 2019 Auto Insurance Study — its seventh win in a row.


    • Mixed online reviews. You’ll find a smattering of negative reviews online about its customer service and coverage.
    • Not available in Hawaii. Amica doesn’t offer policies in this state.
    • Not always the cheapest. While competitive on pricing, expect to pay slightly higher premiums than with companies like Progressive or Geico, especially if you opt for the Platinum Choice Auto program.

    Alternatives to Amica

    See how Amica’s coverage and customer service fares alongside competitors. Tick the Compare box to see up to four companies’ features side by side.

    Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
    All 50 states
    Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
    AZ, CA, IL, LA, OH, TX, UT and WI
    Get instant online support and score a low rate thanks to online data that sets premiums automatically.
    All 50 states
    Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
    The AARP Auto Insurance Program from The Hartford
    All 50 states & DC
    Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
    All 50 states
    Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
    All states except AK, DE, HI, MT, NH, VT, WY
    Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

    Compare up to 4 providers

    Amica office locations

    Amica has regional offices in the US to serve your needs if an office is close to you. Its locations include:

    StateOffice location
    Arizona2075 W. Pinnacle Peak Road, Suite 110

    Phoenix, AZ 85027-1219

    California3200 Park Center Drive, Suite 650

    Costa Mesa, CA 92626-7215

    California1650 Corporate Circle, Suite 110

    Petaluma, CA 94954-6963

    Colorado10375 Park Meadows Drive, Suite 650

    Lone Tree, CO 80124-6865

    Connecticut101 East River Drive, Fifth Floor East

    Hartford, CT 06108

    Florida11486 Corporate Boulevard, Suite 160

    Orlando, FL 32817-8350

    Florida3109 W. Dr. Martin Luther King Jr. Blvd., Suite 550

    Tampa, FL 33607-6240

    Georgia2180 Satellite Boulevard, Suite 350

    Duluth, GA 30097-4939

    Illinois2300 Cabot Drive, Suite 200

    Lisle, IL 60532-4618

    Indiana14390 Clay Terrace Boulevard, Suite 209

    Carmel, IN 46032-3676

    Maryland6711 Columbia Gateway Drive, Suite 410

    Columbia, MD 21046-2555

    Massachusetts596 Paramount Drive

    Raynham, MA 02767-5172

    Massachusetts1 Research Drive, Suite 401B

    Westborough, MA 01581-3958

    New Hampshire5 Chenell Drive

    Concord, NH 03301-8540

    New JerseyOne Maynard Drive, Suite 1104

    Park Ridge, NJ 07656-1878

    New York1 Park Place, Suite 303

    Albany, NY 12205-2687

    New York370 Woodcliff Drive, Suite 100

    Fairport, NY 14450

    Nevada – National sales center2475 Village View Drive, Suite 200

    Henderson, NV 89074

    North Carolina8537 Six Forks Road, Suite 100

    Raleigh, NC 27615-6545

    Ohio9277 Centre Pointe Drive, Suite 230

    West Chester, OH 45069-4844

    Oregon5005 Meadows Road, Suite 350

    Lake Oswego, OR 97035-4287

    Pennsylvania2 Walnut Grove, Suite 230

    Horsham, PA 19044-7704

    Rhode Island – Sales center10 Amica Center Boulevard

    Lincoln, RI 02865-1167

    Rhode Island – Corporate office100 Amica Way

    Lincoln, RI 02865-1156

    South Carolina5 Independence Pointe, Suite 110

    Greenville, SC 29615-4538

    Texas7500 Rialto Boulevard, Building II, Suite 200

    Austin, TX 78735-8552

    Texas3001 Dallas Parkway, Suite 400

    Frisco, TX 75034-8637

    Texas2150 Town Square Pl, #600

    Sugar Land, TX 77479-1465

    Washington12410 East Mirabeau Parkway, Suite 500

    Spokane Valley, WA 99216-2293

    Virginia4701 Cox Road, Suite 230

    Glen Allen, VA 23060-6802

    Frequently asked questions about Amica car insurance

    Car insurance ratings

    ★★★★★ — Excellent

    ★★★★★ — Good

    ★★★★★ — Average

    ★★★★★ — Subpar

    ★★★★★ — Poor

    We analyze the best car insurance providers and rate them one to five stars based on factors that are most important to you.

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