Amica Auto Insurance Review for 2024

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Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Laura D. Adams

Insurance & Finance Analyst

Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...

Insurance & Finance Analyst

UPDATED: Jun 20, 2022

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Amica was founded all the way back in 1907, which currently gives this company the regal distinction of “oldest mutual automobile insurer in the US”. They have a long history in the state of Rhode Island and their corporate office is still located there to this day. The Amica family of insurance providers includes subsidiaries which manage Life, Property, and Casualty Insurance. They are one of the highest-ranked companies in the automotive insurance industry when it comes to financial strength and customer service.

Amica Insurance Review

Amica is not afraid to take pride in their record for high rankings, as the chart below demonstrates. The top credit rating agencies, including A.M. Best, give Amica an A++ (or “superior”) rating. They also have many positive reports of customer service excellence from agencies like JD Power and the BBB.

Ratings Agency Rating
AM Best Financial Strength (Jan. 2016) A++
JD Power & Associates Overall Rating (2013) 4 / 5 (Above Average)
Complaint Ratio per Vehicle (NJ, 2012) 0 / 43,710 (Excellent)
NAIC Complaint Index (2012) 0.42 (Better than Average)
Better Business Bureau (2016) A+

Amica Insurance Discounts

Many automotive insurance companies like to keep their specific discount rates to themselves. Some of this has to do with the fact that rates will vary across state lines. Other companies may not wish to mislead customers by advertising one rate and then offering a different one once the official policy is drafted. Amica isn’t advertising specific discount numbers on their website right now, but from past data, we can get an estimate of the types and amounts of discounts you may expect from them:

Type of Discount Max Percentage Discount*
Airbag Discount 19-29%
Anti-Theft Devices 5-20%
Anti-Lock Brakes 5%
Drivers Training 5%
Low Annual Mileage Driven 10%
Good Student 5-10%
Mature Drivers Course 5%
Multi-Car 17%
Multi-Policy Credit 5%
Passive Restraint 19-29%

(*Data provided by the California Department of Insurance 2013 Automobile Premium Survey)

Amica Auto Insurance Options

As a fully comprehensive auto coverage company, you can get the bare minimum you need to stay legal, or you can opt to add things like Collision or Comprehensive to your policy. Of course, if you want the most thorough coverage, you can enjoy the following additional benefits with Amica’s Platinum Choice plan:

  • Good Driver Rewards
  • Prestige Rental Coverage
  • Full Glass Coverage
  • Identity Fraud Monitoring

But even if you settle for a more modest policy, you can still enjoy the following benefits which may be difficult to find from other insurers:

  • No depreciation deduction for a brand new vehicle totaled within your first year of ownership
  • No Deductible for lock replacement services
  • No deductible for glass repair services (excludes glass replacement)
  • No Deductible for repairing or replacing a deployed air bag
  • Loss earnings reimbursement for court appearances
  • $1,000 bail bonds
  • Dividend policies which may result in significant discounts toward your premium

Comparing Amica Insurance Quotes

Amica, like all insurance companies, does their best to offer competitive quotes while still turning enough of a profit to keep their business going strong. Below, you can find estimates for average monthly premiums paid by different demographics of Amica customers:

Average Amica Car Insurance QuotesLegend: Amica Average Rate Married CoupleSenior CoupleSingle 35-Year-OldCollege Student 153045607590105120135150165180$180$112$125$168

Married Couple
Senior Couple
Single 35-Year-Old
College Student






From the chart above, it looks as though there are some pretty significant discounts that couples and families might be eligible for when compared to single drivers or married drivers who don’t bundle their policy. The most expensive rates were for younger drivers of college age. This probably has something to do with the fact that your risk of getting into an accident remains high usually until the age of 25 or so. For auto insurance providers, that’s usually the key age at which accidents – and monthly premiums for adult drivers – begin to decrease.

Pros and Cons of Amica Insurance

Pros Cons
Good auto insurance coverage at an affordable premium (for most drivers) Some policyholders complain about premium increases
Positive reviews about Amica’s claims settlement process Some customer complaints about policies getting canceled without sufficient notice by Amica

It seems like Amica has a lot to offer drivers who are looking for good customer service, a financially strong company, and additional coverage benefits not offered by other providers. However, based on the data we’ve gathered, it appears as though Amica does the best business for motorists who are in the “preferred-risk” group (homeowners, drivers with good credit, people with clean driving records, etc.). Outside of this preferred class of customer, business negotiations with Amica may become difficult if their resources are already being directed to preferred clients.

The best way to know whether Amica – or any other automotive insurance company, for that matter – can give you the coverage you need is to compare rates online. Go ahead and enter your zip code below, and we’ll help you find the best deal.

Corporate Headquarters
100 Amica Way
Lincoln, RI 02865-1167

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