Amica is the oldest mutual auto insurer in the United States and has spent more than a century building one of the strongest customer satisfaction reputations in the industry. It combines an AM Best A+ financial strength rating, a B+ CRASH Network grade and top regional JD Power scores, and offers policyholders the option to receive dividends if the company performs well. The main constraints are price (Amica runs above the national average) and availability, as it doesn’t write policies in Hawaii and won’t file SR-22s for DUI-related violations.
- AM Best A+ (Superior) financial strength.
- #1 in New England, J.D. Power 2025 Auto Insurance Satisfaction Study.
- B+ CRASH Network grade.
- Dividend policies offer up to 20% of premiums back.
- Rates above the national average.
- Not available in Hawaii and no SR-22s for DUI violations.
- Not included in J.D. Power’s most recent shopping study.
Amica car insurance: Jerry’s verdict
Amica’s reputation is the product of more than a century of operating as a mutual insurance company, owned by its policyholders rather than external shareholders. It also has a direct-to-consumer model that keeps drivers in contact with the carrier’s own representatives rather than intermediary agents.
Founded in 1907 in Providence, Rhode Island, Amica Mutual Insurance Company is the oldest mutual auto insurer in the United States. It writes policies in 49 states (except Hawaii), has 44 physical locations nationwide and covers more than a million policies across auto, home and life insurance. It holds an AM Best Financial Strength Rating of A+ (Superior), though AM Best revised its outlook to negative in February 2024 in response to balance sheet pressures from inflation and elevated loss costs across the industry. Amica has implemented corrective measures, including rate increases and a focus on profitable markets, and the outlook is now Stable as of early 2026.
A primary case for Amica is the policyholder experience. In JD Power’s 2025 U.S. Auto Insurance Satisfaction Study, Amica ranked #1 in New England with a score of 735, 110 points above the regional average and 94 points above the nearest competitor. It’s earned that top spot in 12 of the past 13 years in the region. Amica’s CRASH Network grade of B+ places it 12th of 91 insurers nationally, one of just 35 carriers to earn a B or higher. Its NAIC complaint volume remains relatively low, and as a mutual company, it offers something few insurers can: a dividend policy that returns 5% to 20% of your annual premium when the company performs well.
Price is where Amica drops in the rankings. Rates run above the national average for most profiles and the gap can be significant, particularly for drivers with poor credit (Amica’s penalties are steeper than most competitors). It also won’t file SR-22s for DUI violations, which limits availability for many high-risk drivers. And while Amica’s regional JD Power performance is exceptional, it’s not included in JD Power’s national auto claims or shopping studies, which prevents a direct apples-to-apples comparison to the largest national carriers.
For drivers who qualify for standard coverage and want a carrier with genuinely strong service credentials, Amica is worth a quote through Jerry. The pricing may or may not be competitive for your specific profile, but it’s at least worth finding out.
Who Amica is best and worst for
A driver with a clean record who prioritizes claims experience and service. Amica’s reputation for claims handling is among the strongest in the industry. Drivers who want confidence that their insurer will perform well beyond the sale have strong third-party data to support Amica.
Someone who wants to bundle auto with home, life, or other insurance. Amica underwrites its own home, renters, condo, life, umbrella and several specialty lines. Bundling discounts can reach 30%, and Amica’s home insurance ratings are equally strong (it ranked #1 in JD Power’s 2025 U.S. Home Insurance Study).
A long-term policyholder interested in dividend returns. Amica’s mutual structure allows policyholders to choose a dividend policy that may return 5% to 20% of annual premiums if the company has a profitable year. This isn’t guaranteed, but it’s a genuine feature unavailable at most competitors.
A driver looking for the lowest possible premium. Amica rates run above the national average, often meaningfully so. Drivers prioritizing cost above other factors will typically find better pricing elsewhere.
A driver in Hawaii, as Amica does not offer auto insurance in this state.
A high-risk driver who needs SR-22 filing for a DUI. Amica will not file SR-22 forms for DUI-related violations. Drivers who need that service should look at non-standard carriers like The General, National General or Assurance America.
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Learn more: Full coverage vs. liability-only insurance
How much does Amica car insurance cost?
Amica runs above the national average for most driver profiles, making it one of the pricier options among well-rated carriers. That said, its discount menu is broad and its dividend policy can meaningfully reduce net costs for long-term policyholders.
The factors that matter most:
- Your driving record is the biggest lever. A clean record gets you Amica’s best rates. At-fault accidents and violations push premiums up, and Amica’s surcharges for impaired driving in particular can be steep.
- Credit score plays a significant role. Amica uses credit-based insurance scoring in most states, and its penalty for poor credit is among the steeper in the industry. Drivers with poor credit can pay substantially more than the already-above-average base rates. (California, Hawaii, and Massachusetts do not permit credit-based pricing.)
- Location matters. Amica’s pricing varies by state and region. It tends to be more competitively priced in New England, where it has the deepest market presence, than in other parts of the country.
- Coverage level determines the floor. Amica’s minimum coverage rates are above the national average, and full coverage adds substantially more. The Platinum Choice Auto package is priced even higher but includes meaningful add-ons like new car replacement and full glass coverage.
- Loyalty and long-term tenure can reduce costs. Amica’s loyalty discount rewards policyholders who have been with any auto insurer for at least two years, with additional savings for longer tenures. The dividend policy can return 5% to 20% of premiums annually for qualifying policyholders.
Key takeaway: To figure out the right coverage for you, start with your comfort level around risk and what your car is worth. Then let Jerry show you what each option costs in real time.
Learn more: Best car insurance companies
Industry ratings of Amica car insurance
Amica’s industry scores are strong across the measures where it participates, with the notable caveat that it is not included in J.D. Power’s national shopping study.
| Rating | Amica’s score |
| NAIC consumer complaint index (2025) | Low (0.35). |
| CRASH Network report card (2026) | B+. |
| JD Power auto insurance shopping study (2025) | N/A |
| JD Power auto insurance claims study (2025) | No. 7 of 20. |
| AM Best (2026) | A+ (Superior). |
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NAIC details
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CRASH Network details
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JD Power details
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AM Best details
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Amica car insurance coverage options
Amica offers the standard suite of coverage, including collision, comprehensive, bodily injury liability, property damage liability, medical payments, personal injury protection (PIP) and uninsured/underinsured motorist coverage. It also has a notably deep optional menu.
Platinum Choice Auto is Amica’s premium coverage package, bundling several add-ons that are optional or unavailable at many competitors:
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New car replacement replaces a totaled new vehicle with a current model year vehicle, rather than just offering the depreciated actual cash value.
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Full glass coverage covers windshield and window damage with no deductible.
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Identity fraud monitoring monitors for identity theft and provides remediation assistance if your information is stolen.
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Enhanced rental car coverage offers rental reimbursement with no daily limit while your vehicle is being repaired.
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Roadside assistance provides towing, flat tire, battery jump-start and fuel delivery services.
Individual add-ons available outside the Platinum package include:
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Accident forgiveness, which prevents your rate from increasing after a qualifying at-fault accident.
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Gap insurance to cover the difference between your car’s actual cash value (ACV) and the remaining loan or lease balance if the vehicle is totaled.
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Rental car reimbursement for standard daily-limit rental coverage, if not opting into a Platinum package.
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Rideshare coverage offers extended coverage for drivers working for rideshare or delivery platforms.
As a mutual company, Amica also offers standard and dividend auto policies. If the company performs profitably in a given year, policyholders with a dividend policy receive a return of 5% to 20% of their annual premium. Dividends are not guaranteed but have been paid in many prior years.
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Coverage Definitions
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Who it pays: The other person, for injuries when you’re at fault in a crash.
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What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.
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How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
Property damage liability (PD)
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Who it pays: The other person, for property you damage in a crash.
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What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
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How it pays: Up to your policy’s limit. For example, $50K.*
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Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.
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Who it pays: You, for damage to your own car.
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What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
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Who it pays: You, for damage to your own car.
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What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
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How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
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Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
Uninsured/underinsured motorist (UM/UIM)
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Who it pays: You and your passengers, for injuries and property damage.
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What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
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How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
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Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
Personal injury protection (PIP)
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Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.
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What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
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How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.
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Do you need it? Required in no-fault states. If available in your state, it’s worth considering.
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Who it pays: You and your passengers, for medical bills.
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What it covers: Medical expenses after an accident, regardless of fault.
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How it pays: No deductible. Pays up to your policy’s limit.
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Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.
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Amica car insurance discounts
Amica offers a notably broad discount menu for a direct-writing carrier.
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Multi-vehicle. Insure two or more vehicles on the same policy — up to 25% off.
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Multi-policy. Bundle auto with home, life or other Amica coverage — up to 30% off.
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Loyalty/continuous insurance. Insured with any auto carrier for at least two years.
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Legacy. Drivers under 30 whose parents have held an Amica auto policy for at least five years.
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Student away at school. Full-time student on the policy attending school away from home without a vehicle.
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Good student. Full-time students aged 15–25 with at least a B average.
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Young driver training. Drivers under 21 who complete an accredited driver training program.
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Accident-free. No claims filed in the past three years.
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StreetSmart enrollment. Discount for enrolling in Amica’s telematics program.
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Anti-theft device. Vehicle equipped with qualifying anti-theft or GPS tracking systems.
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Vehicle safety features. Adaptive headlights, electronic stability control, collision-avoidance systems or airbags.
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Pay in full. Pay the full premium upfront.
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Paperless. Enroll in electronic billing and documents.
Does Amica offer insurance based on driving behavior?
Yes. Amica’s StreetSmart telematics program uses a smartphone app to monitor driving behavior like tracking speed, phone use, hard braking and other factors. Depending on the results, you can lower your premium by up to 20% at renewal for safe driving performance.
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Filing a claim with Amica
Amica offers multiple ways for filing a claim and managing it once filed.
File online, by phone or through the app
Claims can be filed 24/7 online at amica.com, through the Amica mobile app or by calling 1-800-242-6422. Amica’s direct-writer model means you work with Amica’s own claims staff rather than an independent agent or third-party adjuster.
Work with an Amica claims representative
After filing, an Amica claims representative is assigned to your case. Amica states it can issue payment within two business days of receiving all required documentation for straightforward claims. Its direct model and higher-than-average retention rates (one in three customers has been with Amica for over 20 years) suggest a customer service culture that reflects long-term relationship management.
Repair and rental
Amica will provide you with a repair estimate, which you can take to any licensed shop. Platinum Choice policyholders receive enhanced rental coverage with no daily limit. Standard policyholders with rental coverage receive the standard daily reimbursement.
Settlement or payout
For total losses, settlement is based on actual cash value (ACV) unless you have new car replacement coverage through Platinum Choice. Gap insurance, if added, covers any shortfall between ACV and an outstanding loan balance.
Customer reviews of Amica
Only a handful of Jerry customers have reviewed Amica’s auto insurance, though they mostly give this carrier positive feedback.
Is Amica a good insurance company?
Amica is one of the most consistently well-regarded auto insurers in the country, with more than a century of operating as a policyholder-owned mutual company, top regional JD Power scores, a B+ CRASH Network grade and a claims process that earns genuine long-term customer loyalty. For drivers in its footprint who qualify for standard coverage and want confidence in the experience of being a policyholder (and not just the buying process), Amica is a strong option.
That said, rates run above the national average, and the premium difference vs. lower-cost carriers can be substantial, particularly for drivers with poor credit. Whether that difference is worth it is a personal calculation that depends heavily on how much weight you put on claims experience and financial stability.
Be sure to compare Amica through Jerry alongside other top carriers before deciding. The pricing may surprise you in either direction depending on your profile and state.
See coverage options for your car.
How to contact Amica
You can compare Amica against other carriers and get a quote through Jerry. To manage an existing policy, file a claim, or reach customer service, contact Amica directly.
- Claims (24/7): 1-800-280-1466 or amica.com
- Customer service: 1-800-242-6422
- App: Amica mobile app (iOS and Android)
Related guides
FAQ
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What are the pros and cons of Amica car insurance?
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What is Amica’s dividend policy?
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Does Amica file SR-22s?
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Is Amica available in my state?
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Does Amica offer telematics?
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How do I file a claim with Amica?
Drivers who switch with Jerry save an average of $54/mo on car insurance.
Methodology
We looked at over 400,000 actual policies quotes from real Jerry customers during 2024 across 24 different insurance companies. The pricing data included both those with clean driving records as well as those with a violation.
How we rate car insurance companies
Jerry’s team of car insurance expert writers and editors analyze real customer ratings and industry reports to get a holistic view of an insurer’s performance. Our rubric emphasizes the shopping and claims experiences, customer complaints and reviews, repair shops’ evaluations of insurers, policy and quote pricing, and state availability.
We regularly reassess insurers’ star ratings and fact-check these reviews to ensure they’re accurate and up-to-date.
These individual factors roll up into one weighting system as follows:
20% Financial strength.
20% Complaints.
20% Industry ratings.
20% Customer ratings.
20% Cost and discounts.
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
