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Amica is a mutual insurance company, meaning it's owned by policyholders. Because it's a mutual company, some Amica policies offer dividends. Dividends are annual returns of what you've paid and are based on the performance of the company. Amica says average payments are 5% to 20% of your annual premiums, although dividend money can't be guaranteed.
Amica's largest business is auto insurance, which makes up about 58% of its premiums, according to S&P Global Market Intelligence. It also sells insurance for homes, renters, motorcycles and boats. Life insurance is also available.
Amica Mutual Insurance Co. is based in Lincoln, Rhode Island.
In this review:
Auto insurance satisfaction ratings
Auto insurance policy features
Website & app ratings
Auto insurance complaints
Auto insurance discounts
Home insurance satisfaction ratings
Amica contact information
Amica auto insurance customer satisfaction ratings
We asked current customers of Amica to rate the company on several measures. Here's how they scored the company.
Overall satisfaction: 4 stars
Price satisfaction: 3.5 stars
Customer service satisfaction: 4 stars
Would you choose Amica again?
As another measure of satisfaction, we asked current Amica auto insurance customers if they would choose the company again.
In our survey, the highest percentage of people who would choose the same company again are customers of USAA, Mercury Insurance and Amica.
Amica car insurance price comparison
We analyzed premiums reported by EverQuote users with good driving records to see how prices compare between Amica and other insurers. Here's how it compares with the four cheapest insurers in our analysis.
|Insurance company||Average annual premium|
|Shelter Insurance Co.||$1,453|
Does Amica have what you want?
Do you want special features in a car insurance policy? Here's a look at what Amica offers as add-ons or as separate policies:
- Accident forgiveness insurance? Yes, if you earn Amica Advantage Points.
- New car replacement? No.
- Gap insurance? Yes.
- Non-owner insurance? Yes.
- Rideshare insurance for Uber, Lyft and other drivers? Yes.
- Usage-based insurance? No.
- Pay-per-mile insurance, with rates based on mileage? Yes, FlexMile.
- SR-22 filings? Yes.
More Amica car insurance options
For those looking to save on a package of auto insurance features, Amica offers "Platinum Choice Auto." Features of the package vary by state but can include:
- Advantage Points that will lower or eliminate costs after an accident. You can use points to lower a surcharge for an accident or lower or a deductible amount.
- Full glass coverage.
- Identity fraud monitoring.
- Better rental car coverage if you need a rental after a car accident, with a higher total limit.
Website & app
We asked Amica's customers if they had used the company's website or app and, if they had, asked if they were satisfied with the experience.
Complaints about Amica auto insurance
Complaints about Amica car insurance are below the industry median.
Each state's insurance department handles complaints against insurers that operate in the state. The National Association of Insurance Commissioners collects complaint data and produces a complaint ratio. The number is meant to show the number of complaints relative to a company's size of business.
Amica auto insurance discounts
We reviewed state insurance filings to find the details of Amica car insurance discounts. Note that discount details and availability can vary by state.
A discount for customer who own a home, even if it's not insured with Amica.
Claim free discount
For not having claims in the last three years and at least one driver on the policy with at least 39 months of driving experience.
Defensive driver training
For customers who complete an approved accident-prevention class. The minimum age for the discount varies by state.
For drivers age 25 or under who are full-time high school or college students and who have a B average or better, or are in the upper 20% of their class, or who meet other academic criteria to qualify for the discount.
Student away at school
For customers who have a child away at school full-time and without a car.
For customers under age 30 who are on their own and whose parents had Amica car insurance for at least five consecutive years.
Can include a car alarm, hood lock, disabling device, vehicle-recovery system or tracking system.
Such as air bags.
Electronic stability control
Forward collision warning systems
A discount for car insurance customers who also buy a homeowners, life and/or umbrella policy.
For insuring more than one vehicle with Amica.
Paid in full
For paying the whole bill for the policy period upfront.
A discount based on how long you've been with Amica.
For paying your bill with automatic deductions.
For agreeing to receive bills and policy documents electronically.
Amica insurance surcharges
Auto insurance companies typically raise rates if you've got tickets or accidents on your driving record.
Amica will look back three years at a driving record, looking for moving violation convictions and accidents. These will be assigned points and can affect your rate:
- Violations are assigned points depending on their severity. The worst violations for points are DUIs, refusing to take a chemical test (such as a breathalyzer), driving with a suspended license, failing to stop after an accident, highway racing and others.
- Accidents that will count against you are accidents that result in bodily injury or death, or accidents that caused property damage above a certain amount, such as $1,500.
Insurers must disclose their surcharges in state filings. Here are surcharges we found in our review of Amica's insurance filings. These might vary by state.
- Financial responsibility filing surcharge for those needing a proof of insurance filing, such as an SR-22.
- Inexperienced operator surcharge for drivers licensed two years or less.
Amica satisfaction ratings for homeowners insuranceWe asked current Amica home insurance customers to rate the company on several measures. Here are their scores.
Overall satisfaction: 4 stars
Price satisfaction: 4 stars
Customer service satisfaction: 4 stars
Would you choose Amica homeowners insurance again?
We also asked current Amica home insurance customers if they would choose the company again. Most said yes.
In our survey, the highest percent of people who would choose the same company again are customers of Chubb (87%).
Companies within Amica Mutual Group
- Amica Mutual Insurance Co.
- Amica Life Insurance Co.
- Amica Property and Casualty Insurance Co.
- Amica Texas Insurance Co.
Amica Insurance contact information
100 Amica Way
Lincoln, RI 02865
Claims service: 800-242-6422
For star ratings and whether customers would choose the company again, EverQuote commissioned a survey of 150 current customers of Amica in January 2019. The survey was not open to the public on EverQuote.com.
For premium comparisons, we analyzed premiums reported by EverQuote users from Jan. 1, 2017, to Dec. 31, 2018. Users had liability limits of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist limits of 100/300 ($100,000 per person, $300,000 per accident). Rates are for a single driver with one vehicle and no accidents or violations. Your own rates will be different.
Updated March 15, 2019