Amica Car Insurance

Amica Car Insurance

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Overall Rating3.7 out of 5
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About Amica Car Insurance

Amica offers auto insurance nationwide, with the exception of Hawaii. The company offers multiple discounts for policyholders, and its coverage includes several perks, such as roadside assistance, rental car reimbursement, glass coverage, lock replacement and more. Its office locations are limited.

Pros & Cons


  • Dividend policy options
  • Multiple discounts available
  • Perks include roadside assistance


  • Limited office locations
  • Can be pricey

Bottom Line

Amica has few offices, but it offers car insurance throughout the U.S. (not in Hawaii). Its discounts and perks include roadside assistance and rental car reimbursement, which can make it an affordable option.

Featured Reviews

Boca Raton, FL

AMICA is a wonderful insurance provider. I have been insured by them for homeowners and auto for over 30 years. Every contact with them leaves me with a positive impression as to ...

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Raleigh, NC

We have moved 12 times in 26 years and re-evaluated our insurance coverage for auto, home and rental home every time. We stayed with Amica the entire time because with a good driv...

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What is Amica car insurance?

Amica sells auto coverage for drivers in all states but Hawaii. In addition to car insurance, Amica offers homeowners, life, marine and personal excess insurance. It also provides several discounts, as well as dividend policy options. Its dividend policies return 5% to 20% of the policy premium. Amica also offers some free services, including lock replacement, air bag replacement and glass repair, and it’s received multiple awards from J.D. Power and Associates.

How does Amica auto insurance work?

Amica insurance provides auto insurance policies at two levels:

  • Amica’s Basic Service plans provide collision and comprehensive coverage, roadside assistance and limited glass and rental car coverage.
  • Amica’s Platinum Choice includes accident forgiveness, which gives policyholders points for clean driving records, multipolicy coverage and client referrals, then directs the points to lower costs in the event of an accident. Platinum Choice also provides full glass repair coverage, identity fraud monitoring and $5,000 toward rental car coverage.

You can choose between dividend and nondividend policies; dividend policies cost more upfront, but because they repay 5% to 20% of the premium, they can be cheaper overall.

Amica auto insurance quotes and rates

Amica doesn’t provide car insurance pricing info on its website. You can request a quote over the phone or online. Many factors affect auto insurance costs, including car type and year, as well as the age, gender and driving history of the driver. Amica offers discounts for those who pay in full, choose electronic statements, enroll in autopay and purchase more than one policy from the company. Contact a customer service representative for more information.

Amica Auto Insurance FAQ

Is Amica car insurance expensive?
Amica car insurance can be pricey, but many drivers qualify for discounts. Rates vary based on the individual.
Where is Amica car insurance available?
Amica offers auto coverage nationwide, except for in Hawaii.
Who owns Amica?
Amica Mutual Insurance Company owns Amica Auto Insurance; because it’s a mutual insurance company, Amica is also owned by its policyholders.
What does Amica mean?
Amica stands for Automobile Mutual Insurance Company of America.

Is Amica car insurance good?

Amica car insurance is a solid choice for drivers, especially those who prioritize coverage perks like roadside assistance and glass repair. Because Amica doesn’t have many in-person offices throughout the country, most policyholders have to interact with customer service representatives online, which might not appeal to everyone.

Amica Car Insurance Reviews

ConsumerAffairs has collected 287 reviews and 1,540 ratings.

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Page 1 Reviews 0 - 10

Reviewed July 10, 2023

After being with Amica for many years, they doubled my home owners. After I dropped, they still demanded more money and sent me to collections. Watch out for them, they won't treat you well. They've gotten greedy and terrible company when they used to be pretty good.

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Response from Amica Car Insurance

We’re sorry to hear you feel this way, Todd. If you’d like to discuss your concerns about billing further with us, please give us a call at 800-242-6422 so a representative can speak with you directly. Thank you.


Reviewed May 23, 2023

When I started with Amica in 2011 I was a happy customer. I will admit that I always got great service with Amica and the staff was helpful. Over the years my car and home insurance ballooned to over $1000 a month. I was able to save over $500 a month by going with another carrier. So if you are with Amica, you should shop around. We did have a roof claim, but my insurance was already at this level when that happened.

Beyond cost, here are some other annoyances with Amica: My daughter slid off the road on an icy night and we called Amica for help through their auto club. They claimed that since this was a minor accident they would not send a tow truck. When else would you need an auto club but with a breakdown or accident? After talking with other insurance agents, Amica had me underinsured me on my home by $200k. However was charging more than double the competition.

I upgraded my motorcycle to the same type but with more features, and asked Amica to insure the new bike. They declined saying they didn't insure that type any longer. I also found out that they were charging me 3X what most carriers charge for the type of motorcycle I had previously. So Amica doesn't appear to be the awesome carrier they used to be. If you are currently using them, I highly recommend you get a bid from the many name brand carriers that are out there. You will probably save significant money.

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Response from Amica Car Insurance

We’re sorry to hear you feel this way, Brian, and we’d like to discuss your concerns with you. If you’re interested, please email us at with your full name and phone number so we can have a representative contact you. Thank you.

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    Reviewed March 30, 2023

    Had Amica for 35 years. Then had my first automobile accident that was the other party's fault. The other party didn’t have great coverage so after hiring an attorney I had to sue my insurance company. Despite having $1 million dollar policy, a head injury, diagnosed with a traumatic brain injury, post concussion, PTSD, constant migraines plus episodes to name only a few of the injuries. My mother died from the same injuries a few months later. After 5 years and still making no progress toward a settlement we decided to settle. I received $30,000 and my Mom’s estate received $10,000.

    When I called Amica to ask a question the representative was so rude and unkind. In all the 35 years I had them they never treated me that way. But after the accident, it was night and day. We changed our insurance and despite the great reviews it showed us that things are great until you get into an accident then forget, they will throw you under the bus. We could have gone to court and dragged this out another 5 more years but we wanted to move on with our life.

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    Response from Amica Car Insurance

    Hello. We’re so sorry to hear about the passing of your mother. We appreciate the feedback you shared about your experience with Amica, and we’d like the opportunity to get in touch with you to discuss your concerns directly. If you’re interested, please send us an email at with your full name and claim number so we can have a representative reach out to you. Thank you.

    Reviewed Jan. 15, 2023

    I’ve been with Amica for 5 or 6 years now. Up to now I’ve been very happy with them. I just traded cars and when I called to switch over the policy I was informed that the cost to insure the new car was less expensive than the policy for the old one. I asked if I could increase my coverage by decreasing my deductible to $100. In doing so my monthly rate would still be a little cheaper. I wanted $100 deductible for both Comprehensive and Collision and I was assured that what I got. I didn’t take the time to read over the new policy so I didn’t notice that they only set my Collision deductible to $100 and left the Comprehensive at $250. Fast forward 4 weeks and while on a trip to FL in the car a tractor trailer threw a rock and broke my windshield. I wasn’t really happy about it but I felt a little better knowing that I was covered.

    I made the claim for Safelite and was then informed that I’d have to pay $250 out of pocket deductible for the repair. Ugh, I was blind sided by that and when I called Amica they basically told me too bad, so sad. To make matters worse Safelite used an Aftermarket windshield. It does not have the Honda brand etched into the glass. They also didn’t install the trim pieces correctly and the right side wiper arm was installed at the wrong angle. I had to spend about 30 minutes reinstalling things correctly. I just don’t like that a new car that I haven’t even made the first payment on now has an aftermarket windshield. I know it’s just glass but it looks different and now the car feels substandard and used. Way to go Amica!

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    Response from Amica Car Insurance

    Hi Jay. We’re sorry to hear this, and we’d like to discuss your concerns with you. Please send an email to with your name, contact information and claim number and we’ll have a representative reach out to you directly. Thank you.

    Customer ServiceClaims HandlingCoverageStaff

    Reviewed Sept. 20, 2022

    I purchased a house last year and decided to go with Amica for both home and auto because of its stellar reviews on various sites, especially those about its customer service. I am extremely frustrated that they have not lived up to these reviews. My family and I were rear-ended in standstill traffic on the Bruckner Expressway by a large rental truck in July. My handler, Megan Whitlatch notified me that claims with commercial companies typically take months to settle.

    Without going into too many details, I'll say this: my correspondence with Megan is only through messaging since she does not answer her phone nor does she return calls (which is fine, since I'm ok with messaging), but her responses are very generic and scripted. She will not answer a question directly. In short, she notified me 2 months later that the other party did not have insurance, thus Amica now has to "go after" the driver and it was not "looking good" for our case.

    Insurance is not my area of expertise, but something did not add up. I decided to do my own research and found out in less than 30 minutes, that the other carrier did indeed have insurance! I called Amica back and spoke with a supervisor, Margaret **, who initially was a bit patronizing and insisted Amica did their best to connect with the other party, but was unsuccessful and are still "waiting". Her tone changed when I told her that I have a copy of the Certificate of Liability Insurance, which I got in less than 30 minutes of making a few phone calls. Additionally, she had the audacity to ask if I got the handler's name!

    I understand things take time and that there's a process, but I executed something in less than 30 minutes that took them 2 months to complete and still failed.

    Amica hasn't lived up to their half of our contract and left me worried that I have to pick up portions of an accident that wasn't my fault. Thankfully, none of us were injured, but I feel unprotected and that they are only going to assist me when it's in their best interests. I could only imagine what would of happened if we had to be rushed to the hospital and what bills we would have incurred. I would never go with them again and would recommend everyone else to stay clear of them regardless of what you view online! They haven't lived up to their reputation.

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    Response from Amica Car Insurance

    Hi. We understand that a representative has reached out to you to discuss your concerns with you. If there’s any other way we can assist you, please let us know. Thank you.

    Customer ServiceStaff

    Reviewed Nov. 19, 2021

    Great customer service. Answer any questions 24/7. My husband has had to report claims. They got right on it and took care of repairs fast and no problems. We are happy with them and we get a 10% discount after taking driver's online test.

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    Response from Amica Car Insurance

    Customer service is our top priority, so we're so glad to hear that you feel this way, Sally! Thanks so much for your kind review!

    Customer ServicePriceStaff

    Reviewed Oct. 1, 2021

    This company’s business practices are beyond reprehensible and criminal. My husband, having been a loyal customer, for much over a decade, with both cars and home insured by Amica, called to understand what it might cost in the future, if he were to insure his teenage boy, once he gets a license. We knew the child may be insured through either one of the parents, and we didn’t decide at this point in time how we would want to proceed. The customer rep, without prior notice, proceeded to ask some information about the child, then quoted 3000 dollars for the yearly insurance. He then proceeded to tell us that once the child gets a license, he will be automatically added to the insurance policy, without prior consent from the policy owner. We explain that we explicitly prohibit him from adding the child to the policy, since there will be other ways we are looking at insuring him.

    The clerk proceeded to tell us that there was nothing we could do about this, and that we will be charged and the child will automatically be put on the existing policy - since the clerk was able to get a hold of identification information for the child, from us. Of course my husband lost it. And the clerk simply hang up. Needless to say, they are now losing our business, and hopefully additional business in the future. I don’t know in what world, an organization is legally able to force someone to pay 3000 dollars for services they refuse to buy from them, while also stripping them of any human dignity, by telling them there’s nothing they could do about it. The call was recorded. This has got to make a great case for litigation.

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    Response from Amica Car Insurance

    Hi Doris. This is not the experience we want you to have, and we’d like to discuss this with you. We’ll have a representative reach out to you directly. Thank you.

    Reviewed Dec. 5, 2020

    They are responsive, helpful with guidance, gracious, Responsive, competent, but relatively expensive. They are rated in the top reviews and work to protect their reputation.

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    Response from Amica Car Insurance

    Thanks for your kind words, Lawrence! We're so glad to hear that you're pleased with your insurance. Thanks for taking the time to write this review and we hope you have an excellent day!

    Reviewed Nov. 26, 2020

    Talk about an abusive relationship! Amica was silent when I asked questions regarding an injury claim, then they persistently harassed me to settle for an unreasonably low amount before providing all bills and records or confirmed treatment was complete. When I tried to figure out why they were forcing a settlement of my ongoing claim, their lawyer made allegations they were admittedly unwilling to substantiate—it was embarrassingly evident they hadn’t even reviewed my claim. After pinpointing their fallacy, Amica wouldn’t even so much as apologize. They just went silent again.

    I later made a complaint with the Department of Insurance months later when their harassment picked up again. They responded with a false narrative, citing correspondence that was never received, and conveniently ignored written correspondence actually received. They also told the Department of Insurance that my first-party claim was a third-party claim, just so they could skirt their legal obligation I was calling them out on. Meanwhile, they had pressed on attempting to force a settlement behind my back through the Courts with a conflicted arbitrator, all while misleading me as to the date that arbitration needed to be complete forcing me to lawyer up.

    In a separate claim after I was rear ended, I had my car sit at an “Amica preferred shop” for nearly two weeks. In that time, they couldn’t even so much as provide a quote or assess the damage. My Amica adjuster argued it wasn’t a shop of theirs and couldn’t put a work order in, when it was clearly listed on Amica’s website, and the shop confirmed they’re contracted with Amica. Luckily I had a nice loaner, though not at Amica’s expense.

    Like most others have reported, after nearly a decade with them, I saw unusually high rate increases. They’re using their increased rates to pay corrupt corporate attorneys to diminish payouts and charming marketing to reel in more unsuspecting victims. What a scam show, especially with that new commercial of theirs claiming they exceed their customer’s standards. I was diagnosed with a concussion by multiple medical professionals and Amica stated there was no medical evidence of a concussion. I must’ve hit my head harder than I thought to continue trusting Amica with my insurance needs as long as I did! I encourage you to take your business elsewhere, as I did.

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    Response from Amica Car Insurance

    Hi Brian. We’d like to discuss your concerns with you. Please send an email to with your contact information and claim number and we’ll have someone reach out to you directly. Thank you.

    Reviewed Nov. 17, 2020

    11/16/2020 was when I made a call to Amica Insurance and ask for a quote for my home and auto. The guy who answers the phone seems to be agitated right from the get-go. I proceeded to ask questions so I can compare my current insurance. He started to belittle me with nasty answers and angry replies. I asked why was he been so rude to me when I just wanted information. He prompts hangs up. I call back and ask the next customer service rep to transfer me to a supervisor and he stated that they are busy and that they will call me back within a couple of minutes. to this time I have not heard from them. I would never do business with these people who tread potential customers horribly. we make companies successful when we the customers are happy, I will spread the word about how bad customer service is with this company.

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    Response from Amica Car Insurance

    We’re sorry to hear this, Gus, and this is not the experience that we want you to have. We’d like to discuss your experience with you. Please send an email to with your contact information and we’ll have a representative reach out to you directly. Thank you.

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    Amica Car Insurance Company Information

    Company Name:
    Amica Auto Insurance