Amica Auto Insurance Review

Amica auto insurance offers policies consumers can customize to meet their coverage needs.

J.D. Power Rating
AM Best Rating
Standard & Poor’s
5 / 5.0
SimpleScore Amica 5
Discounts 5
Coverage Options 5
Customer Satisfaction 5
Support 5
Accessibility 5

Once you apply for a quote online or begin working with an agent, you can choose among several coverage limits, deductibles, and add-ons that fit with your lifestyle and help you sleep better at night. Amica promises savings of up to 25% when you insure more than one vehicle under the same policy or up to 15% when you insure your home and your car. Amica also offers free insurance quotes online, which makes shopping around for auto insurance a breeze.

If you’re in the market for a new auto insurance policy, it’s smart to consider Amica and all they have to offer. Keep reading to learn more about this company, how its rated by third party rating agencies and its own customers, and how to sign up.

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    In this article

      Amica Auto Insurance Review: Key Takeaways

      • Save up to 25% when you insure more than one vehicle.
      • Save up to 15% when you combine Amica auto insurance with a homeowner’s insurance policy.
      • A+ (Superior) rating for financial strength and claims payment ability from A.M. Best Company.
      • 95% retention rate among homeowner’s and auto insurance customers.
      • Get a free, no obligation quote online.
      • Multiple discounts available.

      Amica Auto Insurance: Why You Should Consider It

      One factor Amica Mutual has working in its favor is its breadth of experience in the auto insurance industry. Amica is the oldest mutual insurer of automobiles in the country, and they’ve been offering coverage in this niche for more than 100 years.

      Amica auto insurance offers free quotes online as well as plenty of opportunities to customize your car insurance to meet your needs. You can pay for additional collision coverage, for example, as well as add-on coverage that will kick in if your car is stolen or vandalized.

      As you package together your ideal auto insurance policy, you also get to choose bodily injury limits you’re comfortable with (i.e. $250,000/$500,000, etc.) and a deductible that makes sense for your budget. Amica auto insurance policies can also include the following features:

      • Uninsured/underinsured motorist coverage: comes into play if you’re in an accident with an uninsured or underinsured motorist.
      • Full glass coverage: can replace your windshield or any other broken glass.
      • Medical payments: can cover medical bills in the event you or other passengers are injured in your vehicle.
      • Rental reimbursement: can reimburse you if you need to pay for a rental car while your own insured vehicle is being repairs.
      • Towing and labor costs: can cover towing and labor costs related to your insured vehicle.

      Generally speaking, Amica auto insurance offers three main base plans to choose from — basic, standard, and recommended. Where Amica’s basic plans have the lowest coverage levels, their recommended auto insurance plans come with higher coverage limits and more perks. As you shop for a new car insurance policy from Amica Auto Insurance, make sure to consider all the additional coverage you may want as well as the coverage limits you’ll need to feel secure.

      How to Get a Quote from Amica Auto Insurance

      One big benefit of shopping for car insurance with Amica is the fact they offer free quotes online. You can provide very basic information through their online application and get access to an auto insurance quote in a matter of minutes.

      Information you’ll need to provide to receive a free quote includes:

      • Your name
      • Address
      • Auto type
      • Age you received your driver’s license
      • Moving violations in the last three years, if any
      • Housing status
      • Current auto insurance status
      • Add-on coverage you prefer
      • Preferred coverage limits
      • Discounts you may qualify for

      Once you provide this information, Amica will give you a free, no obligation car insurance quote. Within your quote, you’ll have the ability to choose and adjust coverage limits, your deductible, and more.

      Amica Auto Insurance Discounts

      Like many other insurance companies, Amica offers several discounts you can qualify for. These include:

      • Multi-policy discount: You can qualify for a discount up to 15% if you bundle an auto insurance policy with a homeowner’s insurance or life insurance policy.
      • Multi-car policy: Save up to 25% on auto insurance when you insure more than one car.
      • Loyalty discount: Qualify for additional discounts if you’ve been with your previous insurance company for more than two years.
      • Driver’s training discount: Auto insurance customers under the age of 21 can qualify for discounts after completing a driver’s training course.
      • Good student discount: Student drivers can qualify for lower rates if they have a B average or better in school.
      • Upfront payment discount: Pay less overall for your auto insurance policy when you pay for six months of premiums at once.
      • Claim-free discount: Save even more when you haven’t had any claims (other than glass or towing) within the last three years. To qualify for this discount, at least one driver on the policy needs to have a minimum of 39 months of driving experience.

      Compare Affordable Auto Insurance Rates

      Save money on auto coverage with our simple comparison tool.

      Matching you with providers.
      We found results in
      Click at least 2-3 companies to find the very best rate.

        Powered by (NPN: 8781838)

        How We Rate Amica Auto Insurance

        At The Simple Dollar, we aim to provide a general overview of each insurer’s products and services through a standard rating process. We reviewed the most recent claims satisfaction and overall customer satisfaction studies from J.D. Power, customer reviews from Consumer Affairs and other sources, and financial solvency reports from A.M. Best. After a thorough research and discovery period, here’s how Amica Auto Insurance stacks up:

        Amica Auto Insurance at a Glance
        Overall Rating
        Claims Satisfaction🌕🌕🌕🌕🌕
        Coverage Options🌕🌕🌕🌕🌑
        Financial Solvency🌕🌕🌕🌕🌕
        Customer Satisfaction🌕🌕🌕🌕🌕



        The SimpleScore makes it easy to compare products and services featured here on The Simple Dollar in a transparent, open and honest way. We rate these products and services using five factors and average them to calculate a single SimpleScore. For auto insurance, we compare:

        • Discounts
        • Coverage options
        • Support
        • Customer satisfaction
        • Accessibility

        You can read more about each factor and the details of each score in our auto insurance methodology. Use our ratings and editorial recommendations as you shop for the best auto insurance that fits your coverage needs.

        Car insurance rates: We used insurance rates from Quadrant Information Services. This includes analyzing thousands of rates from all 50 states that were publicly sourced from 2019 insurer filings. Rates are based on a 30-year-old male or female that had a clean driving record. Full Coverage premiums assumed a $500 collision and comprehensive deductible, and we looked at those who had both good and poor credit. These rates should be used to inform your car insurance shopping process, but your own quote may differ.

        Why do some brands have different SimpleScores on different pages?

        To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
        However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.


        We looked at the number of discounts each company offers — more discounts mean a higher score.

        Coverage Options

        We awarded higher scores to the companies that have the most coverage options.


        We awarded higher scores to lenders with the most channels for customer support.

        Customer Satisfaction

        We leveraged the J.D. Power 2019 Auto Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)


        We looked at the level of accessibility of each company –– the more resources they have the higher their score.

        Holly Johnson

        Contributing Writer

        Holly Johnson is a frugality expert and award-winning writer who is obsessed with personal finance and getting the most out of life. A lifelong resident of Indiana, she enjoys gardening, reading, and traveling the world with her husband and two children. In addition to The Simple Dollar, Holly writes for well-known publications such as U.S. News & World Report Travel, PolicyGenius, Travel Pulse, and Frugal Travel Guy. Holly also owns Club Thrifty.