Amica Auto Insurance Review 2025

Amica is a mutual insurer, meaning its policyholders own the company. You can invest in a traditional or dividend policy. The dividend policy is more expensive upfront, but it returns a portion of your annual premium (5 to 20 percent) to you. That said, the dividend is not guaranteed, so it depends on your personal risk analysis.

If you’re looking for time-honored, high-quality customer service, get a quote from Amica. Its customer satisfaction ratings are really impressive, and its website seems pretty easy to navigate if you don’t want to talk to a real person for your customer service.

Some of Amica’s best discounts are for bundling, insuring multiple vehicles, and drivers under 30 whose parents have had an Amica auto policy for at least five years. Amica also provides pretty thorough safe driving discounts and more than standard coverage for gig workers like delivery and rideshare drivers.

Amica is available in all states except Hawaii.

Of the major auto insurers, Amica’s rates are the fourth highest, behind Allstate, AAA, and Farmers. The average annual premium for a full coverage policy is $2,371 versus the national average of $2,399. Minimum coverage averages $878 versus a national average of $635.

If you want the absolute cheapest auto insurance possible, you can probably stop here; Amica isn’t for you. That being said, I think the cost may be worth it for the customer service offerings I’ll detail below.

You may qualify for the following car insurance discounts through Amica:

• Loyalty: Save when you’ve been with any auto insurer for two or more years (the longer the relationship, the more you could save).
• Homeownership: This discount applies even if you don’t insure your home with Amica.
• Bundling: Combine your auto, home, umbrella, and life insurance policies to save up to 30 percent.
• Multi-car: Save up to 25 percent when you insure two or more vehicles on your policy.
• Young driver training: Amica offers a discount for drivers under age 21 who complete an accredited driver training program, which helps lower the cost of insurance for teens.
• Good student: Eligible policies insure full-time high school or college students, age 15 to 25, with a B average or higher.
• Student away from school: Eligible policies insure a full-time student who is away at school without a car.
• Legacy discount: If you’re under 30 and your parents have had an auto policy with Amica for at least five years, you might qualify for their loyalty!
• Accident-free: Get a discount when you’ve been claim-free for three years.
• Defensive driver training: Get a discount for taking an approved driver safety course.
• Paid-in-full/autopay/paperless: Get a discount for how you pay if you pay your full premium upfront, enroll in automatic payments, or sign up to receive your bills and policy documents electronically.
• Safe driving: You’ll save when you enroll in Amica’s telematics discount, StreetSmart, which tracks driving behaviors like speeding, hard braking, and phone distraction. Depending on your habits, you can save even more at your next renewal.

Amica also offers discounts if your vehicle has any of the following features or hardware:

• Anti-theft devices
• Electronic stability control
• Passive restraints
• Forward-collision warning
• Adaptive headlights

TL;DR: Amica’s online quote system is quick, easy, and thorough.

After I enter my ZIP code in Amica’s online quote tool, the next page asks whether I’d like to bundle my home or renters insurance. My renters insurance currently lives with Allstate, but who knows — maybe I’ll get a better deal with Amica. So, I check that I’d like to bundle auto and renters insurance.

I appreciate that Amica has a clear disclaimer the information I provide for the quote is secure. Seeing that made me feel better about entering my personal information. I provided my address and hit “Start My Quote.”

The first thing Amica wants to know after that is if I’m already a customer. After that, I fill in my name, address, date of birth, and contact information. Amica asks me a bunch of demographic questions on the following screen, including:

• Gender
• Marital status
• What age I received my driver’s license
• If I am a member of the military
• If I’ve completed a state approved defensive driver or accident prevention course in the last three years

Some of these inform my premium; others relate to the above list of discounts. If you are insuring multiple drivers, you need to answer the questions for each one. Next, I fill in information about my vehicle, including:

• Car year/make/model/body style (can also just enter VIN)
• What year I got the vehicle
• If the vehicle was new or used when I purchased it
• If the vehicle was gifted/leased/purchased
• What I use the vehicle for (personal, commute to work, business)
• Vehicle anti-theft system

As for driving history, there are only three questions in this section. Amica wants to know if I have:

• Had an accident regardless of fault in the last three years
• Had any moving violations in the last three years
• Had any other auto claims besides glass or towing in the last five years

The last two sections have me filling in information about my current insurance policy and information about discounts I might qualify for.

Amica offers all the coverages a state may require, including:

• Bodily injury liability
• Property damage liability
• Medical payments/personal injury protection (PIP)
• Uninsured/underinsured motorist coverage

It also offers the following nice-to-haves if you need extra protection (in my experience, more is more when it comes to auto insurance coverage):

• Collision: Covers accident-related repairs, towing, and vehicle replacement regardless of who is at fault (even if it’s a tree)
• Comprehensive: Covers damage that isn’t a result of a collision with another vehicle or object; for example, fire, hurricane, earthquake, flood, theft, or damage from animals
• Gap or loan/lease coverage: Pays the difference between the current value of your vehicle (accounting for vehicle depreciation) and the remaining amount on your loan or lease in the event of a total loss
• Full glass coverage: Covers repairs or replacements to windshield, windows, and other auto glass, with no deductible
• Roadside assistance: 24/7 coverage for towing, flat tires, jump-starts, gas deliveries, lock-outs, and more
• Rental reimbursement: Pays for transportation costs, including rental cars, ridesharing, and public transportation, if your car is in the shop for a covered loss

Amica has some of the most promising customer satisfaction data I’ve seen in the years I’ve been researching the auto insurance industry. Its NAIC complaint ratio (an index that determines whether a company’s number of complaints is more or less than expected) for private passengers is 0.72, which means Amica receives 28 percent fewer complaints than expected in the market.

The company ranked 13th out of 97 companies on the CRASH Network’s 2025 Insurer Report Card Honor Roll, making it one of just 30 auto insurers to earn an overall grade of B or higher. CRASH Network surveys collision repair shops nationally on their experience with insurers for repairs and customer service. Amica earned a B+, or 886. It also ranked first in the New England region. Below are Amica’s grades by region:

* Ranked first in the region

Amica also received the highest overall customer satisfaction ranking in New England from J.D. Power’s 2024 Auto Insurance Study. Amica previously held the top spot in the region for 10 consecutive years before falling to second place in 2023. I counting this as a win for New Englanders who want to do business with Amica.

Before I take you through Amica’s online claims center, let’s recap the third-party data available on claims satisfaction:

• Amica received an A+ (superior) rating regarding financial stability from AM Best, meaning it has a “superior” ability to meet financial obligations.⁵ A good rating from AM Best is the bare minimum for me; it says the company is solvent and has money in the bank.
• Amica scored 749 (out of 1,000) on the 2024 J.D. Power U.S. Auto Claims Satisfaction Study. The study is based on responses from 9,725 insurance customers who settled a claim within the past nine months. I like that the study has a large sample size and recent criteria; it seems like this is a good indicator of the claims experience overall.

Because I am not an Amica customer, I cannot personally vouch for the claims process from beginning to end; however, here’s what I’ve learned about Amica’s claims process:

• • Amica customers can file a claim online by logging into their account or chatting with live customer service representatives. They are available Monday through Friday, 6:00 a.m. to midnight. ET, and Saturday, 10:00 a.m. to 5:30 p.m. ET.
• Non-Amica customers can report a claim with an Amica customer and upload files related to the claim online as well.
• Amica’s auto claims reporting hotline is 800-242-6422.

In order to file a claim after an accident, you should try to gather the following information:

• Names and addresses of individuals involved
• Accident location
• Make, model, and plate number of cars involved
• Names of witnesses and any injured persons
• A police report (required for certain losses)

Here’s the lowdown on Amica’s mobile app. You can:

• Pay your bills
• Manage claims
• Access your policy and auto insurance card
• Call roadside assistance
• Get a quote
• Contact customer service

Amica scored 4.8 out of 5 stars on the Apple App Store, which is pretty impressive. Reviews say it has an easy-to-navigate interface but could be better optimized for iPad. A lot of the reviews are generally positive about the insurance, which is nice to see. I also like that Amica responds to all of its reviews; that bodes well for customer service overall.

Google Play users report a different experience. Recent reviews say they have had trouble making payments and logging in.

StreetSmart by Amica is the company’s telematics driving performance app. Many companies offer this type of program to reward safe drivers, but they tend to be glitchy. It’s heartening to see a 5-star review on the App Store titled “Hands down the best driving app” that notes the app accounts for real-life driving scenarios and tracks realistic parameters.

At AutoInsurance.com, we evaluate auto insurance companies based on four factors:

• Price (40%): We compare average premiums for full and minimum coverage across a variety of driver profiles, including those with excellent credit, DUIs, accidents, limited experience (such as teens), or low credit scores. We also factor in available discounts. Full coverage averages are calculated with the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims Handling (25%): We assess insurers’ claims processes, focusing on clear communication, accurate damage assessments, and prompt payments or resolutions. Our evaluation draws from sources like the CRASH Network Insurer Report Card, J.D. Power Claims Satisfaction Report, and financial ratings from AM Best and S&P. When available, we also incorporate customer feedback.
• Customer Experience (25%): We look at the customer journey from obtaining quotes and purchasing policies to making changes and accessing documents. We get quotes from providers ourselves, evaluating online and agent interactions, as well as the functionality of their websites and mobile apps. Our research includes data from J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
• Coverage Options (10%): We look at the range of coverage options and add-ons beyond state minimum requirements, such as accident forgiveness, gap coverage, and rideshare coverage.

For more details, visit our ratings and methodology page.