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finder.com's rating: 4 / 5
★★★★★
Bottom line: Amica stands out for its customer experience as well as its variety of coverage and discounts that boost its value. But that service sometimes comes with a higher cost.
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 |
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Roadside assistance | Optional |
Accident forgiveness | Yes |
New car protection | Yes |
Pay schedule | 6 months, monthly |
Claims methods | online, email, phone |
Rideshare coverage | Yes |
SR-22 support | Yes |
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 |
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This article was reviewed by Andrew Flueckiger, a member of the Finder Editorial Review Board and certified insurance counselor and licensed insurance agent in five states.
Amica might not be a household name everywhere in the US, but its customer service, built-in perks like free airbag or key replacement and dividend policy option make this insurer 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 are a few complaints abount unresponsive reps. 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.
finder.com's rating: 4 / 5
★★★★★
Category | Our rating | Why we gave this score |
---|---|---|
Coverage | ★★★★★ 4/5 | Amica goes beyond coverage offered by many companies, including options for accident forgiveness, roadside assistance and more. |
Discounts | ★★★★★ 3.5/5 | This company offers one of the highest discounts for bundling policies or insuring multiple cars. However, it doesn’t offer a few common rewards like a discount for tracking your driving through telematics. |
Customer service | ★★★★★ 4/5 | It gets high J.D. Power and Better Business Bureau scores, but average ratings from customers on Trustpilot. |
Financial strength | ★★★★★ 4.5/5 | Amica receives an A+ financial rating from AM Best, which shows that it has strong finances to pay for car insurance claims. |
We pulled full-coverage car insurance rates using Amica’s online quote tool for good drivers living in California with a clean driving record.
Age | Premiums |
---|---|
18 | $318 |
21 | $241 |
30 | $173 |
40 | $163 |
50 | $157 |
We pulled rates for good drivers between 18 and 50 years old with a clean driving record living in California. California is one of seven states that doesn’t use gender to determine car insurance costs. We chose full coverage car insurance with liability limits that exceed the California state minimum requirements, which include:
Your rates may be different based on details like your ZIP code, age, job and annual mileage.
Get a quote for Amica auto insurance by phone at 800-242-6422. Or, get a quote online, but you’ll need to speak with an agent to purchase a policy. To get started:
Amica maintains a handful of discounts to lower your premiums. Discounts and eligibility can vary by state.
Besides the standard comprehensive coverage and great customer service, Amica offers a number of built-in perks and special programs to benefit customers:
Amica holds solid customer support scores with an A+ rating by the Better Business Bureau as of April 2022. Only 87 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 multiple customer satisfaction awards from J.D. Power.
Finder’s car insurance experts rate Amica above average for its stellar customer service and financial ratings across many rating and review sites as well as its long list of coverage.
However, you won’t find savings for using telematics to track your driving, a common discount with other major companies. And Amica isn’t known for having bottom-dollar rates, which led to our experts rating Amica about average for pricing.
AM Best financial rating | A+ |
BBB-accredited | No |
BBB rating | A+ |
Trustpilot score | 4.6/5 out of 904 customer reviews |
Customer reviews verified as of | April 2022 |
See how Amica’s coverage and customer service fares alongside competitors. When you find a company that you’re interested in, select Get quotes to see your customized policy.
Amica offers a basic lineup of auto insurance coverage, but it includes perks that you won’t see with other insurance companies.
To speak to a local Amica agent, search for the closest office location near you through the agent locator:
Amica offers many insurance options for bundling discounts up to 30% off your premium. Many companies only bundle auto with home or renters insurance.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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