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Last updated: January 6, 2025
Amica Car Insurance Pricing 2025
Reliable auto coverage from the oldest mutual insurer in America.
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Amica Insurance is an insurance company that offers auto, home, and life insurance in all states — except for Hawaii. Its headquarters are in Lincoln, Rhode Island, where it has served since 1907. On this page, we review the average pricing of Amica auto insurance, how you can get your best rate, and details about the company that may impact your auto insurance purchase decision.
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Car Insurance Rates
Amica is in the middle pricing tier among comparable auto insurance carriers. Its average annual full coverage premium is $2,371, and its average annual minimum coverage premium is $878.
Amica’s rates for full coverage are on par with the national average, and slightly higher than the national average for minimum coverage. Amica caters to customers who plan to purchase full coverage and are seeking high levels of customer service.
| Category | Amica | National average |
|---|---|---|
| Full coverage | $2,371 | $2,399 |
| Minimum coverage | $878 | $635 |
Keep in mind that many factors go into pricing and your rate may be higher or lower because of the driver’s age, driving history, car type, and location.
Discounts
| Discount | Qualifications | Average discount |
|---|---|---|
| Loyalty | When you are a customer for at least 2 years, you are eligible for savings. | Undisclosed |
| Homeownership | If you own a home (even if Amica doesn’t insure it), you may get a discount. | Undisclosed |
| Bundling | This is a discount that is applied when you have either auto, condo, renters, life, or umbrella policies with Amica. | Up to 30% |
| Multi-car | This discount applies when you have 2 or more vehicles insured with Amica. | Up to 25% |
| Young driver training | Drivers under the age of 21 who complete an accredited driver training program get this discount. | Undisclosed |
| Good student | Students ages 15-25 can receive discounts when they are full-time students with B averages or higher. | Undisclosed |
| Student away at school | This discount applies when families have a full-time student away at school without a car. | Undisclosed |
| Rewarding your parent’s loyalty (Legacy) | Drivers under 30 years of age who have parents that have been with Amica for at least 5 years get this discount. | Undisclosed |
| Accident-free | Drivers who are claim-free for at least 3 years get this discount. | Undisclosed |
| Defensive driver training | Take an approved driver safety course to be eligible for this discount. | Undisclosed |
| StreetSmart safe driving | Those who opt into the StreetSmart app can save on their premiums when they demonstrate safe driving habits. | Up to 20% |
| Anti-theft | You can get a discount by having a car alarm or GPS tracking system. | Undisclosed |
| Electronic stability control | When electronic stability controls are installed into vehicles to help reduce skidding on icy or wet roads, Amica offers a discount. | Undisclosed |
| Passive restraints | Cars equipped with airbags or other passive restraints are eligible for a discount. | Undisclosed |
| Forward-collision warning | These early warning systems provide you with more savings. | Undisclosed |
| Adaptive headlights | Cars with headlights designed to operate more safely in low-light conditions get more savings. | Undisclosed |
| Paid in full | When you pay your policy in full, rather than in installments, you get a discount. | Undisclosed |
| Autopay | Save money when you have your policy set up on autopay. | Undisclosed |
| Paperless | This discount applies when you choose electronic billing and notices. | Undisclosed |
KEY TAKEAWAY:
Take advantage of Amica’s plentiful discounts and stack them for the most savings. With Amica’s Direct to Consumer sales (more on this below), you can go down the list with an Amica representative to get as many discounts as you’re eligible for.
Favorite Features
Amica Mobile App
The Amica mobile app allows you to control your policy from your smartphone directly. It gives you immediate access to insurance cards, policy details, and payment options. Best of all, the app allows you to start a claim directly from the accident scene. It is available in both the Apple Store and the Google Play store.1
Excellent Customer Service
Since 2012, Amica has been the highest-ranking insurer in New England based on the J.D. Power and Associates Customer Satisfaction Survey. In 2024, Amica received the highest score of 709 — 45 points higher than the next company, State Farm. Generally, customers give positive feedback on the service agents and representatives.2
Robust Customer Service
Amica has claims service available via phone 24/7. It also offers live chat during the below time frames.
| Type of support | Hours of support |
|---|---|
| Live chat | Weekdays 6 a.m. – midnight EST
Weekends 7 a.m. – midnight EST |
| Phone | Weekdays 6 a.m. – 1 a.m. EST
Weekends 7 a.m. – midnight EST |
Direct-to-Consumer Sales
Amica is committed to providing excellent service for a competitive price, which is why the company removes the expensive structure of hiring agents located in field offices. When you purchase an Amica policy, you’ll work directly with an Amica representative at its call center.
Bundling Options
We like that Amica offers home and life insurance alongside its auto insurance offerings, and provides bundling discounts. Bundling makes it easy to get the insurance you need for a price that you can afford all while keeping your policies together.
What States Is Amica Available?
Amica serves all 50 states (and Washington D.C.) except for Hawaii.
Cancellation Policy
Policyholders can cancel their insurance at any time with Amica. Cancellations that occur during the policy’s term may incur a $25 cancellation fee.
| How to cancel Amica | Contact information | Processing time (in business days) |
|---|---|---|
| Phone | 800-242-6422 | 1 |
| Fax | 888-999-8531 | 1-2 |
| maip@amica.com | 1-2 | |
| Amica Mutual Insurance Company
P.O. Box 9128 Providence, RI 02940-9128 |
5-7 |
TIP:
When you cancel a policy midterm, Amica will return your unearned premiums to you.
Company Background
Amica is proud to be the oldest mutual car insurance company in the United States. The company started in Providence, Rhode Island, in 1907, and offered auto, fire, and theft insurance. The first branch office opened in Boston in 1941.
Amica started selling homeowners insurance in 1956 and life insurance later in 1969. It maintained its headquarters in Providence until 1994, when it moved to Lincoln, Rhode Island.
Amica Contact Information
| Contact method | Customer service | Quote | Claims |
|---|---|---|---|
| maip@amica.com | N/A | N/A | |
| Phone | 800-242-6422 | 800-242-6422 | 888-244-6163 |
Conclusion
If you’re looking for a dependable auto insurance company, Amica checks all the boxes. Our site is full of FAQs and other carrier information that may be helpful as you shop for your next auto insurance policy, along with these FAQs specifically for Amica.
Frequently Asked Questions
Who owns Amica?
Amica is a mutual insurance company, which means it’s owned collectively by its policyholders.
How good is Amica?
Amica is a highly-rated insurance company known for excellent customer satisfaction and claims handling. It ranked 12th out of 88 insurers on the CRASH Network’s 2024 Insurer Report Card, earning a B+ grade, and placed 2nd in J.D. Power’s 2024 Claims Satisfaction Survey with a score of 746, well above the study average of 697. These rankings reflect Amica’s strong reputation for quality service and reliability.
Why is Amica moving to a six-month policy?
Amica has transitioned from twelve-month to six-month policy terms in most states. This change allows Amica to adapt more quickly to market conditions and ensure fair, up-to-date pricing for its customers.
The switch offers added flexibility. It also makes it easier for customers to qualify for Amica’s paid-in-full discount, helping them save money. However, a potential downside is that rates may fluctuate or increase more frequently with shorter policy terms.
Does Amica’s car insurance cover you while traveling in Canada?
Your Amica car insurance covers you while driving in Canada under the same policy as you select while driving in the United States.
Staff Writer
Kimberlee Leonard is a writer at AutoInsurance.com as well as a former State Farm agent licensed in the state of California. For six years, she helped people and businesses protect themselves and their assets. Kimberlee has also written about insurance for Fit Small Business in more than 100 articles. Since then, she has edited for the finance website Investopedia and outlets like Business.com, Forbes, and Seeking Alpha. Kimberlee is also the founder of Centsible Money, a website that answers insurance and other finance-related questions.
Citations
Amica Mobile App. Amica. (2022).
https://www.amica.com/en/about-us/amica-mobile.htmlTrust Emerges as Top Driver of Customer Satisfaction with Auto Insurance as Prices Continue to Surge, J.D. Power Finds. J.D. Power. (2024, Jun 11).
https://www.jdpower.com/business/press-releases/2024-us-auto-insurance-study
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