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Amica insurance review 2024

Updated Mar 14, 2024
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

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BEST AUTO INSURANCE COMPANY OVERALL (TIE)

4.6
Rating: 4.6 stars out of 5
Bankrate Score
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Auto

Rating: 4.6 stars out of 5

4.6

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Cost & ratings

Rating: 4.5 stars out of 5

4.5

Coverage

Rating: 5 stars out of 5

5.0

Support

Rating: 4.2 stars out of 5

4.2

Home

Rating: 4.6 stars out of 5

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Cost & ratings

Rating: 4.3 stars out of 5

4.3

Coverage

Rating: 5 stars out of 5

5.0

Support

Rating: 4.5 stars out of 5

4.5

About Bankrate Score

Policyholders who value excellent customer service and robust coverage options, but don’t mind paying more for homeowners insurance, might consider Amica as their company of choice.

Who Amica may be good for: Amica may be a good choice for customers seeking quality customer service; the company's broad range of insurance products may appeal to those who wish to keep all their insurance policies under one roof.

 

Who Amica may not be good for: Amica is not a good fit for drivers or homeowners in Hawaii, where Amica does not write either type of policy.

Amica car insurance

Amica car insurance earned a Bankrate Score of 4.6 out of 5.0 and tied for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. Based on our assessment, Amica could be an excellent choice for drivers looking for comprehensive coverage options. In addition to the standard coverage types you would expect to find with any carrier, Amica also offers 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.

Drivers who want robust protection may find Amica’s Platinum Choice Auto package especially appealing. Here, you’ll find glass repair or replacement without a deductible, credit monitoring services, new car replacement coverage and rental coverage with no daily limit in one package. Amica car insurance policies are highly customizable as the company allows shoppers to add these options à la carte if they don’t want to buy the Platinum Choice Auto package as a whole.

Amica car insurance is available in every state except for Hawaii. Drivers interested in getting a quote from Amica can visit its website at amica.com. Note that online car insurance quotes are unavailable in Louisiana. Residents of this state must call to speak with an agent.

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BEST AUTO INSURANCE COMPANY OVERALL (TIE)

Why Amica won

Amica was tied with Geico for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. The company earned the top ranking in both the J.D. Power 2023 U.S. Auto Claims Satisfaction Study and the 2023 U.S. Insurance Digital Experience Study in the category of service. This suggests that Amica places a high priority on its relationships with customers and works hard to ensure that claims are managed efficiently. In addition, the company’s average rates for car insurance are below the national averages, and auto policies are available in every state except Hawaii.

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Pros and cons of Amica car insurance

When you’re looking for the best car insurance company to meet your needs, it can be helpful to make a list of pros and cons. Every driver needs something different in their auto insurance, and creating a visual may help you find the company that stands apart from the rest.

Pros
  • Car insurance rates align closely with the national average costs

  • Company will pay replacement cost value if your new vehicle is declared a total loss within the first 180 to 365 days of ownership

  • Robust coverage options offered

Cons
  • No online car insurance quotes available in Louisiana, and no coverage offered in Hawaii

  • No ridesharing coverage available

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 April 2024 for a full coverage policy is $2,314 per year. A minimum coverage policy is $644 per year. For comparison, Amica car insurance averages $2,664 and $674, 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.

Amica car insurance rates by driving history

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 full coverage premium National full coverage premium
Clean driving history $2,664 $2,314
Speeding ticket conviction $3,281 $2,802
At-fault accident $3,165 $3,283
DUI conviction $7,520 $4,408

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.

Average cost of car insurance for drivers on their parents’ policy
Amica full coverage premium National full coverage premium
Age 16 $5,402 $4,874
Age 17 $5,045 $4,541
Age 18 $4,887 $4,258
Age 19 $4,394 $3,732
Age 20 $4,275 $3,535
Average cost of car insurance for drivers on their own policy 
Amica full coverage premium National full coverage premium
Age 18 $7,625 $6,488
Age 25 $3,136 $2,854
Age 30 $2,751 $2,448
Age 40 $2,664 $2,314
Age 60 $2,522 $2,097

Amica car insurance discounts

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

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.
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.
If your car has electronic stability control to help you avoid accidents under wet and icy conditions, you might earn a 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.
You could get a discount on your auto policy if you’re a homeowner, even if your home is insured elsewhere.
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

Amica home insurance earned a Bankrate Score of 4.6 out of 5 and ranked as one of the best home insurance companies for its robust coverage options. 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. Amica home insurance offers robust coverage options and performed well in customer service, earning the second place spot in the J.D. Power 2023 U.S. Home Insurance Study. However, the company lost points in its Bankrate Score for having more expensive average premiums than other carriers and the national average.

Amica offers both HO-3 and HO-5 home insurance products. Its Standard Choice package is an HO-3 policy type and may be ideal for those who only want basic coverage options with the option to purchase additional coverage. Additional coverage options include a 30 percent extended replacement cost for dwelling, personal property replacement coverage, water backup/sump overflow and special computer coverage for electronic devices.

Homeowners interested in 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 Choice 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.

Pros and cons of Amica home insurance

When you compare home insurance quotes, you might find it helpful to consider the perks and drawbacks of each company. This information might streamline the shopping experience and help you find a carrier that meets your personalized needs.

Pros
  • Policies are highly customizable

  • Ranked well for overall customer and claims satisfaction, per J.D. Power

  • A+ (Superior) AM Best financial strength rating

Cons
  • Not available in all states

  • Unable to make policy changes on the Amica mobile app

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 $2,151 in April 2024. Amica home insurance, on the other hand, comes in at $1,863. 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.

Dwelling coverage limit Amica average premium National average premium
$150K dwelling $1,147 $1,274
$250K dwelling $1,863 $2,151
$350K dwelling $2,056 $2,450
$450K dwelling $2,455 $3,046
$750K dwelling $3,656 $4,824

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:

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

Amica life insurance

If you are in the market for the best life insurance, Amica may be worth considering. The company offers term life and whole life insurance. Whether you are getting married, welcoming a baby or planning for retirement, a life insurance policy from Amica may provide future financial protection for your loved ones. For a life insurance quote, you can get a quote online and submit a same-day application without the need to contact an agent.

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.

Pros
  • Cost of living provision on eligible term life policies may help your coverage keep up with inflation

  • Specialty products such as long-term care, disability income and second-to-die whole life available

Cons
  • No guaranteed acceptance life insurance policies offered

  • Life insurance product availability, features and riders may vary depending on your state

  • Amica life insurance is not rated by J.D. Power

Amica life insurance endorsements

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

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.
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.

Compare Amica with other insurers

Amica insurance review may have left you wondering if this company will be a good fit. If this is the case, you might want to consider requesting quotes from the carriers below:

Badge 1 Featured

Amica

Amica
Rating: 4.6 stars out of 5
4.6
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Cost & ratings

Rating: 4.4 stars out of 5
4.4

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 4.4 stars out of 5
4.4

Allstate

Allstate
Rating: 4.1 stars out of 5
4.1
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Cost & ratings

Rating: 3.8 stars out of 5
3.8

Coverage

Rating: 4.5 stars out of 5
4.5

Support

Rating: 4 stars out of 5
4.0

Erie

Erie
Rating: 4.2 stars out of 5
4.2
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Cost & ratings

Rating: 4.6 stars out of 5
4.6

Coverage

Rating: 3.9 stars out of 5
3.9

Support

Rating: 3.8 stars out of 5
3.8
OVERVIEW
Info
Allstate offers home, auto and term life insurance, as well as an extensive list of financial products for nearly every life event and need. Additionally, there are many ways to handle your insurance needs with Allstate, whether it be over the phone, online or in person at a local agency.
Erie might be a good place to start if you’re interested in saving on home insurance costs. Like Amica, this company also scores high for customer and claims satisfaction, according to J.D. Power.
STANDOUT FEATURES
Info
Dollar Reload
Multiple reward options
Online Reviews
Strong mobile and online tools
Auto Car Guides
Teen driving training program
Debt
Erie Rate Lock to stabilize rates
Badge 1
Auto policies include pet insurance
Dollar Coin
Roadside assistance and rental reimbursement
AVG FULL COV. AUTO RATE
Info
$2,971 $1,694
JD POWER AUTO SCORE
Info
889/1000 893/1000
AVG HOME RATE
Info
$2,326 $1,633
JD POWER HOME SCORE
Info
809/1000 856/1000
AM BEST RATING
Info
A+(Superior) A+(Superior)

Is Amica Insurance a good insurance company?

Here at Bankrate, we understand how important it is to research insurance companies before making the switch. That’s why our insurance editorial team (which includes licensed insurance agents) does the leg work for you by conducting exhaustive company reviews. Our goal is to give you the information you need to decide what company will provide you with the financial protection that makes the most sense for your circumstances.

Based on our research, Amica could be a good choice for many individuals. If you are looking for a company that places a high value on taking care of its policyholders, you may want to note that Amica earns a high ranking for customer satisfaction with J.D. Power for both auto and home insurance. Partly because of this factor, the company also was named a 2024 Bankrate Awards winner for Best Overall Auto Insurance Company (tie with Geico) and Best for Customer Experience (also for auto insurance).

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. In the event of a claim, it is vital to know that you are with a company stable enough to honor its financial responsibility. AM Best uses a standard letter system, with grades A through D.

Amica secured the top spot on J.D. Power’s U.S. Insurance Digital Experience Study for customer service but fell below average in terms of its shopping experience. However, Amica maintained its longstanding Superior rating with AM Best.

Study or Rating agency Amica Industry average
2023 J.D. Power Digital Experience Study - Service 735 702/1,000
2023 J.D. Power Digital Experience Study - Shopping 516 521/1,000
AM Best rating A+ (Superior) N/A

When it comes to auto customer satisfaction, Amica shines. After all, this is one of the reasons it tied for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. Although Amica was only included in the New England region of the J.D. Power 2023 U.S. Auto Insurance Study, it earned one of the top spots. It was also the number one insurance company for claims satisfaction in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.

J.D. Power Auto Claims Satisfaction Study

Amica customer complaints

Seeing how many customer complaints a company has can give you insight into how other customers perceive a company's service and product. We analyze data from the National Association of Insurance Commissioners (NAIC) Complaint Index. Here, the NAIC keeps track of how many complaints it gets regarding insurance companies and compares it to the overall average. To understand this data, the average (or baseline) amount of complaints equates to an NAIC Complaint Index score of 1.0. A company with a higher score than 1.0 gets more complaints on average, and a score lower than 1.0 indicates fewer complaints.

Amica is known for its customer service, so it is no surprise that it has lower-than-average customer complaints. In 2020, it did receive slightly higher complaints than average but has vastly improved its numbers over the past two years.

As far as homeowners complaints go, Amica scores incredibly well, with reports well below average. With scores consistently below the 1.0 average, it indicates that policyholders may be happy with Amica's service on a regular basis.

Other Amica tools and benefits

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

  • Renters insurance: As a renter, this insurance provides coverage for personal belongings, liability and loss of use coverage.
  • Umbrella insurance: This policy provides additional liability coverage or extends the limits of your underlying policies, like your auto and home insurance policies, for additional financial protection.
  • RV and trailer insurance: Owning an RV is different from owning a personal car, and this policy is tailored to those specific needs.
  • Flood insurance: A standard homeowners policy does not cover floods. You may want to consider purchasing an NFIP flood policy through Amica for extra financial protection.
  • Home business coverage: Those who run their own business out of their home can find coverage for business equipment, like furniture, electronic equipment and supplies, as well as work-related liability for visitors or customers that come into their home.
  • Dividend home insurance policy: While the coverage is the same as Amica’s standard home policy, the dividend policy may return a portion of the paid premium to the policyholder, with average returns ranging from 5 to 20 percent of the annual premium. This could lower the overall cost of the home insurance policy, but returns are not guaranteed; the dividend policy is unavailable in all states and may be more expensive upfront.
  • Contractor Connection: 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.

Frequently asked questions about Amica Insurance

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Methodology

Auto

Bankrate utilizes Quadrant Information Services to analyze April 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following coverage limits:

  • $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 base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (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.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

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, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

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

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Like our previous Bankrate Scores, 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. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
Written by
Shannon Martin
Writer, Insurance

Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

Edited by Editor II, Insurance