Our Take
Amica sells standard and dividend auto policies to drivers in most states, with many bundling options. This insurer receives high ratings from customers but drivers with certain violations may not be able to purchase coverage.
Pros:
- High customer satisfaction ratings.
- Plenty of options to bundle auto policies with other insurance products.
- Robust mobile app.
- Offers dividend policies.
Cons:
- Not available in Hawaii.
- Doesn’t offer SR-22s for DUI violations.
Amica car insurance review
Jerry did not give Amica a star rating due to a lack of available data. Each year, Jerry revises its rating system and may rate this insurer in the future.
Founded in 1907 and based in Rhode Island, Amica Mutual Insurance Company is the oldest mutual automotive insurer in the United States. The company boasts a second-place ranking in J.D. Power’s 2024 Auto Insurance Claims Satisfaction Study. It also earns high marks from Jerry customers and a superior financial strength rating from AM Best.
Amica customers can customize their auto insurance policies with optional coverages like rideshare insurance, roadside assistance and glass coverage. The company offers a wide range of products beyond auto insurance, as well, including home, life, boat, small business and even wedding insurance in every state, except Hawaii.
As a mutual insurance company, Amica is owned by its policyholders. This allows Amica to offer dividend policies in many states, which may refund up to 20% of a customer’s premium each year if certain conditions are met.
Who is Amica best for?
Amica is best for drivers with a clean driving history who want coverage from a well-established insurer with an excellent reputation for strong customer service. It’s also a great fit for those looking to bundle their auto coverage with other types of insurance, like life or home insurance.
Drivers deemed “high-risk” may have trouble getting coverage, as the company won’t file SR-22s for certain violations, like DUIs.
How much does Amica car insurance cost?
Amica has a reputation for having higher car insurance costs compared to the national average. Your premium is determined by a number of factors, including your age, location, the type and age of vehicle you drive, your driving record, other drivers on your policy, and the amount of coverage you want.
Amica car insurance discounts
Amica offers a multitude of ways to save. While availability varies by state, you could get a discount if you:
- Have been insured by any auto insurer for at least two years.
- Insure multiple cars.
- Own a home.
- Bundle auto coverage with home, renters, umbrella or life insurance.
- Are under 21 and completing a qualifying driver training program.
- Take a defensive driving course.
- Insure a full-time student ages 15 to 25, with a B average or higher.
- Insure a full-time student who’s away at school without a car.
- Are under 30 with parents who’ve had an Amica auto policy for at least five years.
- Stay claim-free for at least three years.
- Install Amica’s StreetSmart mobile app and let it track your driving behavior.
- Insure a vehicle with qualifying safety features.
Does Amica offer insurance based on driving behavior?
Yes, Amica’s telematics program, StreetSmart, tracks driving behavior and rewards safe driving. You’ll get an immediate discount of up to 10% just for registering in the app, and could earn more savings if you avoid driving behaviors like hard braking, speeding and phone use. You may also earn rewards that can be redeemed for charity donations or gift cards to stores like Amazon, Starbucks or Target. StreetSmart may not be available in every state Amica sells auto policies in.
Amica car insurance coverage options
Amica offers standard auto insurance coverages like collision and comprehensive, medical expenses, personal injury protection, uninsured/underinsured motorist and liability insurance.
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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 also offers optional coverages, depending on your state, including:
- Rental car reimbursement, which pays for a rental vehicle or transportation costs if your car is in the shop for a covered accident.
- Roadside assistance, which provides services if you get a dead battery, flat tire, run out of gas or need a tow.
- Auto glass coverage, which pays for windshield or other glass damage. This coverage may have a deductible.
- Rideshare insurance, which offers more extensive auto coverage if you work for a rideshare or delivery app like Uber, Lyft or DoorDash.
- Gap insurance, which pays the difference between what you owe on a loan or lease and what your vehicle is worth, if it’s totaled.
Industry ratings of Amica car insurance
Amica holds many strong industry ratings across various agencies, including a top-tier J.D. Power auto insurance claims score and low NAIC complaint index.
| Rating | Amica’s score |
| NAIC consumer complaint index | Moderately low. |
| CRASH Network report card | B+. |
| J.D. Power auto insurance claims study | No. 2 of 21. |
| AM Best | A+. |
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NAIC
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CRASH Network
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J.D. Power
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AM Best
Amica auto insurance customer reviews
Dozens of Jerry customers who have used and reviewed Amica’s auto insurance have rated the company well.
How to contact Amica
There are multiple ways to contact Amica to get a quote, ask policy questions or file a claim. Amica offers online, phone, live chat and in-person customer service options.
Get a quote: You can get a quote online, by calling 800-242-6422 or in person. You can use Amica’s website to locate an agent near you.
Customer service: You can reach customer service via live chat, by calling 800-242-6422, visiting a local office or through the website’s contact form. Representatives are available over the phone Monday through Friday from 6 a.m. to 1 a.m. EST and Saturday and Sunday from 7 a.m. to midnight EST. Live chat is available Monday through Friday from 6 a.m. to midnight EST or Saturday and Sunday from 7 a.m. to midnight EST.
File a claim: Claims can be filed online, through the Amica mobile app or over the phone by calling 800-242-6422.
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.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
