Amica Auto Insurance coverage Evaluation 2025

Established in 1907, Amica is the oldest mutual auto insurance coverage firm. Except for auto insurance coverage, it gives owners, renters, life, and small enterprise insurance coverage. Amica is a little more costly than the competitors, however clients usually gravitate in the direction of the corporate for its stellar fame and complete choices.

Enterprise Insider in contrast Amica automobile insurance coverage to the best car insurance companies and located it to be a superior possibility on account of its excessive rankings and plenty of low cost and protection choices to customise your coverage.

Amica Auto Insurance coverage Professionals and Cons

Amica Auto Insurance coverage Professionals

• Extremely rated claims course of
• Affords rideshare and hole insurance coverage
• Extensive choice of reductions
• Strong secure drivers program via cellular app

Amica Auto Insurance coverage Cons

• Increased than common price
• Solely works with captive brokers

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Examine Amica Auto Insurance coverage

Amica Auto Insurance coverage Overview

Amica is a prime automobile insurance coverage alternative, particularly for households. It gives tons of reductions and protection choices, together with for folks of younger drivers. It additionally has good rankings for claims satisfaction and buyer satisfaction by JD Energy and excessive marks for monetary energy. However it has blended buyer opinions with earlier customers noting excessive worth will increase.

On prime of that, it’s dearer than different automobile insurance coverage firms within the trade. However you may usually decrease your price by making the most of their complete low cost listing. You too can rise up to twenty% off your coverage and earn rewards via Amica’s telematics program: SmartSmart.

Amica Auto Insurance coverage Plans and Protection

Amica gives commonplace automobile insurance coverage coverages together with:

• Legal responsibility insurance coverage: A liability-only policy gives the state minimal insurance coverage, which incorporates protection for property damages or bodily accidents you’re accountable for throughout an accident.
• Complete insurance coverage: This protection is one a part of a full-coverage policy. It pays for damages to your automobile attributable to hitting an animal, extreme climate, theft, and vandalism.
• Collision insurance: This protection is the opposite a part of a full-coverage coverage. It pays for automobile damages in case you hit one other automobile or object (tree, fence, gentle pole, and many others.) no matter fault.
• Personal injury protection: PIP insurance coverage pays for medical bills and misplaced wages in case you or your passengers maintain accidents in an accident. It can additionally cowl misplaced revenue on account of accidents sustained in a automobile accident.
• Medical funds: Medpay covers you and your passengers’ medical payments from a automobile accident.
• Uninsured/underinsured motorist: UM/UIM insurance coverage pays on your bodily accidents and property injury attributable to drivers who don’t have insurance coverage or don’t have sufficient insurance coverage.

Further Cowl Choices (Riders) Supplied by Amica Auto Insurance coverage

You’ll additionally discover a beneficiant listing of optionally available coverages to extend your safety. Improve your Amica coverage by including:

• Gap insurance: In case your automobile is totaled, hole insurance coverage covers the present worth of your automobile, minus the quantity you owe in your auto mortgage or lease.
• Full glass protection: This protection waives the deductible on repairs or replacements of the glass elements of your automobile (windshield, home windows, and many others).
• Roadside assistance: In case your automobile breaks down on the highway, roadside help pays for emergency companies (towing, battery jumpstarting, gas supply), and many others.) to get you again on the highway.
• Rental automobile reimbursement: In case your automobile is within the store for repairs, or cannot be pushed after an accident, rental automobile protection pays for the price of a rental automobile.
• Rideshare and delivery service insurance: When you drive for a rideshare firm (Uber, Lyft, and many others.) or supply service (Doordash, Grubhub, Postmates ), Amica gives protection to guard you throughout sure elements of the job when your organization’s insurance coverage is not energetic, like while you’re energetic on the app however do not at present have a buyer.

Amica additionally gives a premier package deal known as Platinum Alternative® Auto, which bundles full glass, identification fraud monitoring, and elevated limits on rental automobile protection.

In Arizona and Connecticut, drivers also can entry accident forgiveness advantages. Amica has plans to broaden this program to different states.

Amica Auto Insurance coverage Price

Automobile insurance coverage firms primarily calculate premiums by assessing your threat. Auto insurers take a look at a number of elements to find out your insurance coverage threat, together with age, location, driving historical past, automobile kind, and coverages. The extra “dangerous” you’re to insure, the upper your premiums will doubtless be.

Amica’s charges are increased than the trade common for a liability-only and a full-coverage coverage. Have a look beneath for this firm’s prices based mostly on completely different coverage sorts.

Supply: Policygenius

Amica Auto Insurance coverage Reductions

Amica has a strong listing of reductions. It gives financial savings for scholar drivers, vehicles with security and safety features, and coverage customization. Listed here are the reductions you’ll discover with the corporate:

• Loyalty: Get a reduction by having protection with any auto insurance coverage for at the least 2 years.
• Multi-car: Save as much as 25% by shopping for insurance coverage for 2 or extra vehicles.
• Homeownership: When you’re a home-owner, chances are you’ll qualify for a reduction off your premium.
• Bundling: Save as much as 30% by bundling your auto insurance coverage with an Amica residence, umbrella, or life insurance coverage coverage
• Younger driver coaching: Drivers beneath 21 years previous can lower your expenses by finishing an authorised driver coaching program.
• Good scholar: College students ages 15 to 25 with a “B” grade point-average or increased qualify for the nice scholar low cost.
• Pupil-away-at faculty: When you’re a full-time scholar dwelling in school and not using a automobile, chances are you’ll qualify for financial savings.
• Mother or father loyalty: When you’re youthful than 30 and your guardian owned an Amica coverage for at the least 5 years, chances are you’ll be eligible for this low cost.
• Accident-free: When you stay claims-free for the previous 3 years, you may rating discounted charges.
• Defensive driver coaching: Drivers who full an authorised driver security course, might qualify for this low cost.
• Telematics program: Amica’s secure driving program, StreetSmart, gives as much as 20% off your premiums for good driving habits. You too can earn rewards to make use of at in style retailers.
• Anti-theft: Get a reduction for having safety gadgets like automobile alarms and GPS monitoring techniques.
• Security options: Save in your coverage in case your automobile has security options like passive restraints, digital stability management, forward-collision warning, and adaptive headlights.
• Paid in full: Earn a reduction by paying your total coverage premium upfront.
• Auto pay: Enroll in computerized funds to obtain a reduction in your coverage.
• Paperless: Get a reduction while you signal as much as obtain coverage paperwork and billing statements electronically.

The right way to Buy and Handle an Amica Auto Insurance coverage Coverage

Candidates can get a quote and buy a coverage on-line at Amica.com or by calling 800-242-6422 to talk to an agent. Holding the next info (for you and any drivers) readily available can simplify the method:

• Private info (Title, handle, date of start, gender, and many others.)
• VIN or automobile’s yr, make, and mannequin
• Protection standing
• Car use, mileage, and possession standing
• Parked location
• Driving historical past
• Desired begin date

You may handle your account by way of your Amica on-line account or cellular app and full duties reminiscent of:

• Paying your invoice
• Accessing your ID card
• Viewing coverage paperwork
• Beginning a declare
• Requesting roadside help
• Updating your info

The right way to File a Declare with Amica Auto Insurance coverage

Amica policyholders can begin a declare via its on-line kind, by calling 800-242-6422, or via the cellular app. Remember that you might have to pay a deductible to obtain your settlement for repairs.

Amica recommends having the next info earlier than beginning the method.

• Names and addresses of these concerned, together with witnesses and anybody injured
• Location of the accident
• Your license plate quantity and automobile make/mannequin/yr

Submitting images and movies of the damages and a replica of the police report (if relevant) also can show you how to together with your declare.

Word: Investigating a declare can take 30 days or longer, relying in your state legislation and its complexity. Don’t hesitate to follow-up all through the method to make sure you obtain your cost in a well timed method.

Amica Auto Insurance coverage Buyer Evaluations and Rankings

Amica obtained blended buyer rankings. Some policyholders praised the corporate for its reliability and customer support. Others have expressed frustration with steep worth will increase, even for purchasers with no earlier claims and clear driving information.

Have a look beneath for Amica’s buyer opinions from varied websites.

• Higher Enterprise Bureau (BBB): 1.4 out of 5 stars
• Trustpilot: 4.4 out of 5 stars
• Client Affairs: 3.6 out of 5 stars
• Wallethub: 3.0 out of 5 stars

Amica’s cellular app additionally obtained a 3.2 out of 5 on Google Play and a 4.8 out of 5 stars on the App Retailer.

Our expertise utilizing Amica’s on-line chat operate was constructive general, with quick wait occasions and educated brokers that have been capable of reply our questions.

Beneath, you’ll discover Amica’s rankings from third-party companies. The corporate stands out for its low quantity of complaints from the NAIC and superior monetary rankings with AM Finest. It additionally ranks extremely for claims satisfaction and buyer satisfaction within the New England area from JD Energy.

Amica Auto Insurance coverage Alternate options

Amica vs. Allstate

Allstate is a family identify, rating 4th for largest automobile insurance coverage firm based mostly on market share. Whereas it might outshine Amica in reputation, it scores decrease than Amica in worth, buyer and claims satisfaction, and reductions.

In distinction, Allstate policyholders have entry to distinctive coverages like traditional or collectible automobile insurance coverage, automobile insurance coverage for journey to Mexico, and pay-per-mile insurance coverage. Amica doesn’t provide these add-ons. See the desk beneath for Allstate automobile insurance coverage options in comparison with Amica.

Learn our Allstate car insurance review.

Amica vs. American Household

When you’re a budget-savvy shopper on the lookout for the most cost effective protection, American Household might enchantment to you. Amica would be the better option for customers who worth high quality customer support, and a wide array of coverages and low cost choices.

Learn our American Family car insurance review.

Why You Ought to Belief Us: What Went into Our Amica Auto Insurance coverage Evaluation

To make sure you’re getting probably the most correct and unbiased info, Enterprise Insider used the next elements to charge Amica:

• Coverages: Most automobile insurance coverage firms provide the usual coverages like complete, collision, and legal responsibility protection, however every policyholder could have distinctive wants. So, along with fundamental coverages, we take a look at the range and forms of further protection provided and the way it compares to the competitors.
• Costs: To evaluate affordability, we assessed whether or not an organization’s worth is decrease than the nationwide common for liability-only and full-coverage coverage. After all, worth isn’t every thing. So, if premiums are a bit dearer than the common, we additionally consider whether or not its advantages are price its pricing.
• Customer support: We used third-party rankings like these from JD Energy and the NAIC grievance index to find out how an organization ranks with regards to customer support. Evaluation websites just like the BBB and Trustpilot additionally provide insights into previous clients’ expertise with an organization, which may help us predict what your expertise might appear to be. For instance, Amica has the second highest JD Energy ranking for claims satisfaction out of 21 suppliers.
• Monetary Stability: Monetary well being signifies an insurer’s longevity and skill to fulfill its monetary obligations, like paying claims, and its means to resist financial downturns. A+ (Superior) is the best grade an organization can get; D (Poor) is the bottom.

Learn extra about how Business Insider rates auto insurance.

FAQs

Alani Asis is a private finance knowledgeable with expertise masking insurance coverage, retirement, and credit score. Her work has been revealed in AARP, CNN Underscored, Forbes, Fortune, PolicyGenius, and U.S. Information & World Report.ExpertiseAlani has reviewed life insurance coverage and pet insurance coverage firms and has written quite a few explainers on journey insurance coverage, credit score, debt, and residential insurance coverage.She is enthusiastic about demystifying the complexities of insurance coverage and different private finance matters in order that readers have the knowledge they should make the most effective cash choices.ExperienceAlani’s areas of private finance experience embody:

• Automobile insurance coverage
• Life insurance coverage
• Dwelling insurance coverage
• Journey insurance coverage
• Pet insurance coverage
• Credit score
• Bank cards
• Retirement planning

Training Alani is a graduate of the College of Hawaii at Manoa, the place she earned a level in political science and historical past.

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