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Amica Insurance review 2022

Updated Nov 15, 2022
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At a glance

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Rating: 4.3 stars out of 5
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Rating: 4.4 stars out of 5

4.4

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Rating: 4.2 stars out of 5

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Policyholders who want the convenience of managing their insurance in one place and are looking for a company with high customer satisfaction ratings may want to consider getting a quote from Amica. However, Amica’s average home insurance premium is much higher than the national average. For people considering a quote from Amica, the company can be reached at www.amica.com or by calling 800-242-6422.

Pros

  • Amica’s average car insurance premiums generally trend lower than the national average
  • Extensive list of car and home insurance discounts

Cons

  • Average home insurance premium is far higher than the national average
  • Limited policy options in some states, including Alaska and Hawaii

Amica Mutual Insurance offers home, auto and life insurance, along with many other insurance products, to help protect different parts of your life. Policyholders who want the convenience of managing their insurance in one place and are looking for a company with high customer satisfaction ratings may want to consider getting a quote from Amica. For people considering a quote from Amica, the company can be reached at www.amica.com or by calling 800-242-6422.

Founded in 1907, Rhode Island-based Amica is the oldest mutual insurer of automobiles in the U.S. In addition to home and life insurance, customers can also purchase other types of personal lines insurance, like condo, renters, umbrella, life, marine, wedding and event insurance. Take a look at Bankrate’s in-depth Amica insurance review to help determine whether this national carrier may be able to suit your needs.

Amica car insurance 

Amica car insurance earned a Bankrate Score of 4.5 out of 5. To find the best car insurance companies, Bankrate’s insurance experts used the Bankrate Score to compare carriers on key metrics, such as average premiums from Quadrant Information Services, policy options and discounts, digital experience and accessibility, as well as third-party ratings for financial strength and customer satisfaction. Amica was also recognized as one of the best car insurance companies for customer service, coming in third in J.D. Power’s 2021 Auto Claims Satisfaction Study.

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Amica offers an array of add-on options for car insurance. After selecting policy limits for standard coverage, like bodily injury and property damage liability, personal injury protection, uninsured / underinsured motorist coverage and collision and comprehensive, drivers can choose to add further protection for themselves, their passengers and their vehicle. This includes roadside assistance, gap insurance, glass coverage, and rental reimbursement. Some drivers may also want accident forgiveness (also called Good Driving Rewards in some states) to help protect against a surcharge in case they’re involved in an at-fault accident.

Amica also has a Platinum Choice Auto package that includes special coverage options. These individual coverage selections can also be added separately. The options include glass repair without a deductible, credit monitoring services, new car replacement coverage and an upgraded Prestige rental coverage with no daily limit. Instead, there’s a $5,000 maximum that gives drivers the flexibility to rent a car similar to the one they own if their vehicle is being repaired due to a covered accident.

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Amica car insurance cost

The average annual cost of Amica car insurance for full coverage is $1,495. That is cheaper than the national average cost of car insurance, which is $1,771 per year. At $444 per year, the average cost of a minimum coverage policy with Amica is also cheaper than the national average, which is $545 per year.

Life events and driving record incidents can cause car insurance rates to increase, but Amica’s average rates for a variety of these scenarios still trend lower than the national average. It’s important to remember that your actual rates may vary, so requesting a quote is the best way to see what your car insurance cost might be.

Amica average annual full coverage premium National average annual full coverage premium
Clean driving history $1,495 $1,771
Speeding ticket conviction $1,820 $2,138
At-fault accident $1,782 $2,521
Adding a 16-year-old driver $3,788 $3,852

Amica car insurance discounts

Saving money on car insurance is important to many drivers. Ask about discounts when getting an Amica insurance quote. Some of the discounts the company may offer include:

Amica car services

Amica offers some special features for its car insurance that other carriers might not offer. This includes free lock replacement if you lose your car keys, no glass repair deductible if replacement isn’t necessary, and free repair if your airbag deploys in an accident. Additionally, if you are within the first year of owning your new vehicle and it is declared a total loss in an accident, Amica may not charge a deduction for depreciation. Amica also provides $1,000 for bail bonds and lost wage coverage if you have to go to court to settle a claim from a covered accident.

Amica home insurance

Amica home insurance earned a Bankrate Score of 4.2 out of 5 and ranked as one of the best home insurance companies for customer service. To determine Amica’s Bankrate Score, Bankrate’s insurance editorial team reviewed many of the same car insurance key metrics but tailored the metrics for home insurance. While Amica home insurance offers robust coverage options and performed well for customer service, earning the top spot in J.D. Power’s 2021 Home Insurance Study, it lost points for having more expensive average premiums compared to other carriers and the national average.

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Amica offers both HO-3 and HO-5 home insurance products. Its Standard Home package is an HO-3 policy type, and is ideal for those who only want basic coverage options with the option to purchase additional coverage. This includes a 30% extended replacement cost for dwelling, personal property replacement coverage, water backup/sump overflow and special computer coverage for electronic devices. Homeowners who want an extensive home insurance policy can choose Amica’s Platinum Choice package, an HO-5 policy type that includes the additional options in its Standard Home package as default, as well as credit card coverage, business property coverage, extended coverage for valuable items, loss assessment plan and increased limits for liability and medical payments coverage.

Amica home insurance cost

Amica’s average home insurance premiums come in higher than the national average. While the average cost of home insurance for $250,000 in dwelling coverage is $1,383 nationally, Amica’s average premium is about $2,851 for the same coverage. Your individual rates may vary, however, as your home’s insurance rating factors, policy choices and claims history all play a role in determining your final premium.

Dwelling coverage limit Amica average annual premium National average annual premium
$150,000 $1,918 $980
$250,000 $2,851 $1,383
$350,000 $4,204 $1,887
$450,000 $5,261 $2,351
$750,000 $8,184 $3,414

Amica home insurance discounts

To save money on your home insurance from Amica, you might be able to take advantage of its wide array of discounts:

Amica home services

Home insurance policyholders with Amica have access to even more services and policy upgrades. For example, those who run their own business out of their home may want to look into Amica’s Home Business coverage, which includes coverage for business equipment, like furniture, electronic equipment and supplies, as well as work-related liability for any visitors or customers that come into their home.

Homeowners who want extra savings could weigh Amica’s dividend home insurance policy against its traditional policy. While the coverage is the same, the dividend policy returns a portion of the paid premium to the policyholder, with average payments ranging from 5-20% of the annual premium. This could lower the overall cost of the home insurance policy but may also be more expensive upfront.

Lastly, Amica’s Contractor Connection is a useful tool for homeowners who want access to licensed contractors for home renovation and remodeling projects. Amica monitors contractors for metrics such as work quality, estimates and timeliness, and requires contractors to back projects with a workmanship warranty for five years.

Amica life insurance

If you are in the market for the best life insurance, Amica may be worth considering. The company offers both term life and whole life insurance, as well as an annual renewable term life policy that can be renewed annually based on an individual’s needs. Whether you are getting married, welcoming a baby or planning for retirement, a life insurance policy from Amica may be a good investment and provide future financial protection for your loved ones.

 

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Amica life insurance endorsements

Both Amica’s term life and whole life policies have a terminal illness rider, which would allow policyholders to access a portion of the policy’s benefits if they were to become permanently ill. An Amica life insurance agent can help provide a full list of life insurance policy endorsements.

Amica life services

Term and whole life insurance aren’t the only financial products Amica offers. Customers can also access annuities, including tax-deferred annuities as well as traditional and Roth IRA annuities. Amica also sells long-term care, disability income, health insurance and second-to-die whole life. This type of policy insures two people, and the benefits are paid after both are deceased. It’s commonly used to cover estate tax liability.

Other Amica perks worth considering

In addition to auto, home and life, Amica offers a variety of other coverages, including:

  • Renters insurance: As a renter, this insurance provides coverage for personal belongings, liability and loss of use coverage.
  • Umbrella insurance: This policy extends the liability coverage of your auto and home insurance for additional protection.
  • RV and trailer insurance: Owning an RV is different from owning a personal car, and this policy is tailored to those specific needs.

Amica corporate sustainability

Amica has a strong commitment to corporate responsibility. It has donated over $1 million to COVID-19 response efforts and $5.2 million to nonprofit organizations through grants and sponsorships. It accepts nominations for donations through its Amica Companies Foundation, which is specifically for nonprofits serving Rhode Island residents.

Amica employees are also encouraged to volunteer with paid time off as well as donation matches from the company. According to Amica, the company has matched 175% of employee donations to qualified organizations.

Not sure if Amica is right for you? Consider these alternatives

When shopping for insurance, researching other companies can be a good way to gauge which option is right for you. If you aren’t sure that Amica is right for you, it may be helpful to consider these alternatives:

  • Allstate: Allstate offers home and auto insurance, as well as an extensive list of financial products for nearly every life event and need.
  • Erie: Erie offers some of the cheapest home insurance rates on average, according to Bankrate’s study of average home insurance premiums.
  • American Family: AmFam also offers unique policy endorsements for home and auto insurance to personalize the policy according to your needs.

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Methodology

Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

Auto

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually.

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

Homeowners

  • Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000
  • Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000
  • Coverage E, Liability: $300,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Score

Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

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