Amica insurance review 2025

Amica car insurance cost

Using proprietary data provided by Quadrant Information Services, Bankrate tracks rate trends to find the cheapest car insurance companies available. According to our research, the average cost of car insurance in 2025 for a full coverage policy is $2,692 per year. A minimum coverage policy is $808 per year. For comparison, Amica car insurance averages $3,869 and $1,242, for full and minimum coverage, respectively. Although you may be paying more or less than the average based on your personal rating factors, this information might be a helpful touchstone when comparing car insurance quotes.

How much is Amica car insurance?

Auto insurance companies use several rating factors to calculate your premium, and your driving history is one of the most significant. However, companies give different weights to each type of incident. For instance, as demonstrated in the tables, you’ll typically pay more for your car insurance if you have an at-fault accident or a speeding ticket.

It’s important to mention that not all carriers will offer a policy to drivers with serious convictions on their record, such as a DUI. For more information on Amica’s DUI rates or if DUIs are accepted, please get in touch with a licensed agent directly.

Amica car insurance quotes by age

In every state except for Hawaii and Massachusetts, your age will affect how much you pay for car insurance. Generally speaking, younger drivers pay the most for car insurance because of their increased risk of car accidents. Not only are young drivers more likely to be involved in an accident, but their accidents tend to be more severe. According to the Insurance Institute for Highway Safety, the fatal crash rate is nearly three times higher for 16- to 19-year-olds than for drivers ages 20 or above.

However, young drivers looking for cheap car insurance may want to know that they could pay less when listed on their parents’ policy instead of purchasing a policy on their own. Each insurance company rates young drivers differently, so getting several free online car insurance quotes can help you find the best rate. The tables below show the average premiums young drivers may expect to pay, broken down by coverage type and how the young driver is covered.

Compare Amica car insurance rates

Car insurance rates vary by state, driver and company. While Amica usually has rates that are above the national average, this might not be the case for all drivers.

Amica customer satisfaction

Bankrate's insurance editorial team uses a few different metrics to measure an insurance company's customer satisfaction, including J.D. Power scores. This third-party rating company issues annual insurance company studies measuring companies' overall customer satisfaction along with claims satisfaction. J.D. Power uses a numerical ranking system by providing a “best of” score on a 1,000-point scale.

We also consider the scores from AM Best, a third-party company that rates insurance companies on their financial stability and creditworthiness. AM Best uses a standard letter system, with grades A through D.

Amica auto claims satisfaction

Amica auto insurance customer complaints

In the event of a claim, it is vital to know that you are with a company stable enough to honor its financial responsibility.

Amica car insurance discounts

Amica offers many discount opportunities that may help you save on your car insurance, including:

• Loyalty discount: Drivers who have been with any car insurer for at least two years may be eligible to earn this discount and may be eligible for further discounts if they have been insured with the same carrier for more years.
• Legacy discount: Drivers under 30 whose parents have had Amica auto insurance for at least five years may be able to earn this discount when they buy their own car insurance.
• Electronic stability control discount: If your car has electronic stability control to help you avoid accidents under wet and icy conditions, you might earn a discount.
• Forward-collision warning discount: Some cars are equipped with a monitoring system that will alert drivers when they’re too close to the vehicle in front of them. If your car has this feature, Amica may give you a discount.
• Homeownership discount: You could get a discount on your auto policy if you’re a homeowner, even if your home is insured elsewhere.
• Autopay discount: Customers who sign up for automatic payments could save on their car insurance premiums. Amica discount amounts and eligibility may vary, depending on where you live. For more information, you may want to request an insurance quote from Amica.

Amica home insurance cost

We compiled and analyzed rate data provided by Quadrant Information Services and found that the average cost of home insurance for $300,000 in dwelling coverage is $2,329 as of May 2025. Amica home insurance, on the other hand, comes in at $1,503. It’s important to mention that your rate may vary depending on the age of your home, claims history and other rating factors. Homeowners can get a quote through Amica's website or contact the insurer directly over the phone.

Compare Amica homeowners insurance rates

Each insurance company uses its own replacement cost calculations and underwriting criteria to determine coverage amounts and set rates. It is common for quotes between carriers to vary.

Amica customer satisfaction

Feeling confident in your choice of home insurer is just as important as your choice of auto carrier. Bankrate's insurance editorial team evaluates third-party rankings from J.D. Power to determine a carrier's customer satisfaction, and scores from AM to evaluate a company's financial stability and creditworthiness.

Amica homeowners claims satisfaction

Amica home insurance customer complaints

Amica home insurance discounts

Amica might not be the cheapest home insurance company, but it does offer discounts that could offset its higher-than-average premiums, including:

• New/remodeled home credit: You may qualify to receive this discount if your home is new or remodeled.
• Claim-free discount: If you have had no claims within the past three years, you may qualify to add this discount to your policy.
• E-discount: If you go paperless and agree to receive your bills and policy documents via email, you could get a discount.
• Automatic detection device discount: You could save on your Amica home insurance if your home has a temperature monitoring system detectors for water or gas leaks.

Pros and cons of Amica life insurance

Life insurance is a complicated product, so comparing quotes to find cheap life insurance might seem tricky. Considering a company’s pros and cons can help.

Amica life insurance riders

Information regarding Amica’s life insurance riders is a little sparse, but the company does list the following on its website:

• Terminal illness rider: This endorsement is included at no additional cost on both term and whole policies and may help you access some of your death benefits if you are diagnosed with a terminal illness.
• Conversion option: As long as you convert by your policy’s deadline, you may turn your term life policy into a whole life policy, no matter your health status, with the conversion option.

For a full list of Amica’s life insurance endorsement options, please contact the company.

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
• Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Bankrate Score

• Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.