For over 100 years, Amica has been serving policyholders with dependable auto, home, and life insurance. Well known for its high customer service satisfaction, the company consistently attracts great reviews, with an average of 4.5 out of 5 stars in the EverQuote survey.
But is it the right choice for you? To help you make an informed decision, this post goes over Amica insurance reviews, including reputation, coverage options, pricing, and real customer experiences.
How Does Amica Stand Out in 2025?
Amica receives high praise from its customers, with 71% of auto and home policyholders saying they would buy from the company again. Its overall complaint level is also well below the industry average. So what sets the Amica insurance company apart?
Longevity and Trust
Founded in 1907, Amica is the oldest mutual car insurance company in the U.S. The insurer offers life, home, small business, and flood insurance in all U.S. states except Hawaii. For over a century, Amica has built a strong reputation that gives policyholders confidence in its ability to deliver consistent support over time.
Mutual Company Status
As a mutual insurer, Amica is owned by its customers, not shareholders. As such, it has more customer-focused service and potential dividend payouts on eligible policies — an approach rarely found in most large commercial insurers.
Customer-First Approach
The positive Amica insurance company reviews stem from its responsive, high-touch approach instead of aggressive marketing. If you’re a homeowner looking to bundle policies, a retiree seeking reliable coverage, or a safe driver looking for long-term value, you’ll appreciate Amica’s unique discounts for each.
Coverage Options: Standard and Add-Ons
When comparing the best car insurance companies, your initial step is to consider if an insurer offers what you want. Here’s an overview of insurance coverage options and add-ons you’ll get from Amica.
| Coverage Options | Availability |
|---|---|
| Liability Insurance | ✅Yes, you get standard bodily injury and property damage liability coverage required in most states. |
| Collision Insurance | ✅Yes, it covers damage to your car from collisions, regardless of fault. |
| Comprehensive Coverage | ✅Yes, it covers non-collision events like theft, vandalism, bad weather, and fire. |
| Gap Insurance | ✅Yes, if your car is totaled, you’ll be paid the difference between its value and what you still owe on a car loan or lease |
| Roadside Assistance | ✅Yes, available as an optional add-on for help with towing, flat tires, dead battery jump-starts, and lockouts. |
| New Car Replacement Insurance | ✅Yes, available through the Platinum Choice Auto® package, which includes full vehicle replacement coverage. |
| Glass Repair | ✅Yes, optional full glass coverage is available with no deductible in some states. |
| Non-Owner Car Insurance | ❌No, Amica does not currently offer coverage for drivers who don’t own a car. |
| Full Replacement Coverage | ✅Only with the Platinum Choice Auto package. It replaces your vehicle without factoring in depreciation. |
| Rideshare insurance | ⚠️Limited availability, depending on your state. It provides extra coverage for Uber and Lyft drivers. |
| Pay-Per-Mile Insurance | ✅Yes, through the FlexMile option, where rates are based on safe driving. |
| Usage-Based Insurance | ✅Yes, through Amica’s Safe Driving program. You may earn discounts based on your safe driving habits. |
| Accident Forgiveness | ✅Yes, available through the Advantage Points program, which you earn over time. It helps you avoid a rate increase after your first at-fault accident. |
| SR-22 Filings | ✅Yes, for drivers who are required to show proof of auto insurance to their state |
Pricing and Discounts: Is Amica Affordable?
While Amica auto insurance reviews are exceptional, the company's premiums are generally higher than the national average. If you have a good driving record, you can expect to pay $3,869 for Amica’s full coverage auto insurance compared to the national average of $2,543. The rate varies based on factors such as driving history, credit score, and location.
Despite premiums being higher than average, Amica offers extensive discounts and customer service that may justify the cost for many drivers:
- Bundling Discounts: You can save up to 30% on insurance premiums when you bundle auto insurance with life, home, and umbrella policies.
- Multi-Car Discount: If you insure two or more vehicles with Amica, you’ll qualify for a 25% discount.
- Loyalty Discount: Holding an Amica car insurance policy for over two years qualifies you for a loyalty discount.
- Homeownership Discount: Own a home? You may be eligible for a discount, even if your home isn't insured with Amica.
Check the company's discount page to see all the criteria for which you might qualify.
Claims Process and Customer Service Experience
Amica offers round-the-clock claim assistance via phone, online, and a mobile app. Given that the company ranked highest in overall auto claim satisfaction in J.D. Power studies in both 2022 and 2023, you can expect a smooth, responsive experience backed by strong customer service.
Digital Tools and Online Experience
Amica has invested in user-friendly digital platforms to enhance customer experience. You can manage your policies, pay bills, and access documents online. Alternatively, you can download the Amica app to file claims or complete many insurance-related processes.
Customer Sentiment: What People Say Online
Amica car insurance reviews highlight the efficient claims process and reliable customer support. In fact, the company has received strong customer satisfaction ratings across various sources.
In the U.S. News’ 2025 review, Amica earned a 4.8 out of 5 rating for home insurance. J.D. Power ranked it second in the 2024 Auto Claims Satisfaction Study.
Is Amica the Right Fit for You? Pros and Cons Recap
Every person needs something different from their insurers. Weighing the pros and cons can help you gauge if an insurance company will serve your needs.
| Pros | Cons |
|---|---|
| High customer satisfaction | Higher-than-average premiums |
| Comprehensive coverage options | Unavailable in Hawaii |
| User-friendly digital tools and accessible features | |
| Empathetic, policyholder-first model |
Compare Rates From Top Insurers Today
Amica is well-regarded for its customer service and comprehensive coverage options. However, its rates can vary significantly, depending on your location and driving history.
To make sure you’re getting the best value for money, compare Amica’s rates with other coverage options. Get a free quote today with EverQuote to see how Amica stacks up against other leading providers.