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Amica motorcycle insurance review

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Bundle your insurance needs, including basic motorcycle coverage.

finder.com’s rating: 5.0 / 5.0

★★★★★

  • Get a quote if you already use other Amica insurance products
  • Pick something else if you’re looking for thorough coverage or discounts
  • Many riders can apply for motorcycle coverage

optional

Roadside assistance

Accident forgiveness

Details

States served All 50 states
Roadside assistance Optional
Pay schedule 6 months, monthly
Claims methods online, email, phone
Accident forgiveness No

Pros

  • Bundle your insurance
  • Financially stable company
  • Easy online claims

Cons

  • Lack of website information
  • Few coverage and discount options
  • Coverage not available in every state
  • No online quotes

Expert review

Sarah George

Review by


Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on CarInsurance.com. You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Amica provides basic motorcycle insurance that can be bundled with its other products. It offers standard coverage with several discounts available. However, you can likely find more options with competitors, and Amica may not offer motorcycle coverage in your state.

What motorcycle insurance coverage does Amica offer?

Amica offers standard motorcycle coverage to protect your ride:

  • Bodily injury liability. Get coverage for injuries to other drivers and passengers if you cause an accident.
  • Property damage liability. Pay for the other driver’s vehicle repairs or replacement, if needed.
  • Collision. Protect yourself from paying motorcycle repairs out of pocket after an accident.
  • Comprehensive. Cover non-collision accidents like weather damage, theft, vandalism or falling tree branches.
  • Uninsured and underinsured motorist. Get protection from other drivers who don’t have enough insurance to cover you during an accident

What discounts can I get with Amica?

Amica offers a few discounts you may be eligible for:

  • Anti-lock brakes. Make sure your ride is equipped with ABS brakes for safety to potentially qualify for savings.
  • Anti-theft device. Install an antitheft system to keep thieves away and get a lower premium.
  • Multi-bike. Keep all your bikes on the same policy with Amica.
  • Multi-policy. Bundle your motorcycle insurance with auto, home, condo or renter’s insurance.

Pros and cons of Amica motorcycle insurance

Pros

  • Bundle insurance policies. Amica offers several products that you can bundle on one policy, including auto, home and life insurance. One of its standout features is the company’s auto dividend policies, which pays back some of the premium to the policyholder during specific periods.
  • Financially stable company. The company has an A+ rating with AM Best, meaning it can pay out your claims.
  • Online claims. File your claims conveniently from your online account.
  • Personalized quotes. You’ll receive a customized quote from an Amica representative, but you’ll have to call.

Cons

  • Lack of website information. The company doesn’t offer much information about its motorcycle insurance online. You’ll have to call for more details.
  • Few coverage and discount options. Competitors may offer wider coverage options to fit your needs unless you just need the basics.
  • Coverage not available in every state. While Amica’s auto insurance covers all 50 states, its motorcycle insurance doesn’t. Call an agent to find out if you can get coverage in your area.
  • No online quotes. You’ll have to speak with a representative to get an insurance quote.

How to apply for Amica motorcycle insurance

Amica keeps things personal by providing quotes directly from a representative over the phone:

  1. Phone. To apply for insurance, speak with a representative at 800-242-6422.
  2. Email. Have questions? Feel free to email the company using the contact form on its Contact us page.
  3. Agent. You can also opt to contact the regional or local branch. Enter your ZIP code on the company’s Contact us page, then use the address or phone number listed.

What info do I need to apply?

Make your application process simple by having this information on hand:

  • Your personal information: home address, phone number and date of birth
  • Driver’s or motorcycle license number
  • Motorcycle details: make, model and license plate number
  • Driving history
  • Choice of coverage
  • Payment information

How to make a claim with Amica

To file a claim with Amica, you can report accident details online or by phone.

Alternatives to Amica

If Amica isn’t available in your state, or you simply want to compare more options, you can use our guide to motorcycle insurance to find the policy that best matches your needs.

Name Product Roadside assistance Accident forgiveness Available states
Progressive motorcycle insurance
Optional
Yes (earned after 3 years with no accidents and 4 years of loyalty)
All 50 states
Enjoy some of the widest coverage with the lowest price thanks to add-ons and freebies like replacement cost coverage.
Allstate motorcycle insurance
Included free
Yes
All 50 states
One of the longest lists of coverage options for bikes, plus free perks like equipment coverage for your high-end riding gear.
Esurance motorcycle insurance
Included free
No
43 states
Cover pricey riding gear while snagging bike-specific discounts for motorcycle licensing or safety courses.
Liberty Mutual motorcycle insurance
Optional
No
All 50 states
Enjoy unique perks along with your wide bike coverage, like free accident forgiveness after going claims-free with any insurer.
The General motorcycle insurance
Optional
No
43 states
Avoid riding interruptions with acceptance as a high-risk driver, help with filing an SR-22 and instant access to proof of insurance.
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Frequently asked questions about Amica motorcycle insurance

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