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Amica Car Insurance

Amica Car Insurance
Overall Satisfaction Rating 4.01/5
  • 5 stars
    163
  • 4 stars
    232
  • 3 stars
    98
  • 2 stars
    13
  • 1 stars
    15
Based on 521 ratings submitted in the last year

This company is not yet authorized. See reviews below to learn more or submit your own review.

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.

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.

PROS
  • Dividend policy options
  • Multiple discounts available
  • Perks include roadside assistance
CONS
  • Limited office locations
  • Can be pricey

Top Amica Car Insurance Reviews We Found

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Rated with 5 stars
Verified Reviewer

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 how good they are...They settle claims promptly and painlessly. I recommend them highly.

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Rated with 5 stars
profile pic of the author
Verified Reviewer

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 driving history they kept our rates the lowest and we know from experience with accidents in the past that they take care...

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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

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How do I know I can trust these reviews about Amica Car Insurance?
How do I know I can trust these reviews about Amica Auto Insurance?
  • 3,055,059 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
  • We use intelligent software that helps us maintain the integrity of reviews.
  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 5 stars
Verified Reviewer
Original review: Aug. 2, 2020

Over my lifetime I've dealt with several auto insurance companies. Most proved to be horrible when you had an accident or serious violation. In my case, Amica far outshone all other companies when I had a serious accident. They paid me for my car and were right there with many unbelievable services.

Amica Car Insurance response

We're sorry to hear about the damage to your car, Walter, but we're glad we could be there for you to make that time a little easier. Thanks for taking the time to write this kind review, and we hope you have a wonderful day!

3 people found this review helpful
Rated with 5 stars
Verified Reviewer
Original review: July 25, 2020

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 how good they are. Claims processing has been trouble free on the few occasions that I have needed them. They settle claims promptly and painlessly. I recommend them highly.

Amica Car Insurance response

We're glad to hear this, Samuel! Customer service is our top priority, so we're thrilled to hear that you feel this way. We hope you have an excellent day!

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    Rated with 5 stars
    profile pic of the author
    Verified Reviewer
    Original review: July 24, 2020

    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 driving history they kept our rates the lowest and we know from experience with accidents in the past that they take care of you when you most need it. We have our sons on this coverage, so believe me, we have checked our options as far as value.

    Amica Car Insurance response

    Thank you for your many years of loyalty, and for taking the time to write this review! We're glad to hear that you've been pleased with your insurance and we hope you have an excellent day!

    5 people found this review helpful
    Rated with 4 stars
    Verified Reviewer
    Original review: July 23, 2020

    When I initially switched to Amica, I saved $700 between car and house insurance. I'm not sure it rates are better than others now, and need to take the time to check. I used State Farm for several years but house insurance was extreme compared to Amica. I used Farmers for probably 25+ years until they became the highest around. They were excellent insurance, but changed. They could not touch other rates.

    Amica Car Insurance response

    Hi Sue. We'd be happy to discuss your policy with you. Please send an email to socialmedia@amica.com with your full name and contact information and we'll have a representative reach out to you directly. Thank you.

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    Rated with 5 stars
    Verified Reviewer
    Original review: June 25, 2020

    I’ve used Amica for decades for home, auto, and umbrella. The customer service is great, everyone is professional and friendly, and issues are solved immediately. Their underwriting is pretty strict, so I’ve heard. However, I think that is a good thing. My friend is with a big company that will insure just about anyone. When claims are made, they are bounced around between reps, deal with rude employees, and subjected to long waiting times to get anything done. I told them to switch to Amica!

    At times they are more expensive but they also don’t continually raise rates every six months. Like anything, you get what you pay for. I don’t mind paying a small bit extra for superior service and coverage. The one time I had a claim, for hail damage on my roof, it was dealt with quickly. No hassles. The company they recommended did great work. All I can say to Amica is - Please don’t change & become one of those big, cheap, inefficient, and indifferent companies.

    Amica Car Insurance response

    Thanks for taking the time to write this kind review, Christie! Customer service is our top priority, so we're thrilled to hear that you feel this way. We hope you have a wonderful day!

    2 people found this review helpful
    Rated with 5 stars
    Verified Reviewer
    Original review: 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.

    Amica Car Insurance response

    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!

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    Rated with 1 star
    Verified Reviewer
    Original review: 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.

    Amica Car Insurance response

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

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: 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.

    Amica Car Insurance response

    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 socialmedia@amica.com with your contact information and we’ll have a representative reach out to you directly. Thank you.

    2 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Aug. 28, 2020

    We've never been more frustrated with a company and their complete lack of response. We've been using Amica for the last 4-5 years (now in the 2nd home we've insured through them) and wow is the customer service lacking!!! Upon moving into our new home in October, we were required to get repair work done in order to make sure our coverage would continue beyond the 1st year. Which we had absolutely no problem doing - and we did have the work done a few months ago. We were asked to submit proof of the work being completed, we which we also did - and in my correspondence I asked that they please confirm 1. That they received our documents and 2. That what we sent was adequate proof of completion - and the repairs were satisfactory to continue coverage.

    Well!... Just sent my 3rd email since July 9th asking for confirmation because we still haven't received any notification or confirmation from them. And this is not the first time we've had issues getting them to respond to emails, return calls, or provide accurate information. When we first received quotes for our policy in this house - one person gave us a quote (for the exact same coverage we are now carrying) that was almost $1,000 less than what we are now paying. When I asked about this discrepancy before signing off on any coverage I was told they have no idea why I was given that number and and "sorry" but it's not accurate.

    Unfortunately by the time we were made aware of this "mistake" on their end, we were within days of closing and had no time to shop around for new rates. Which means we unfortunately got stuck paying a much higher premium and a higher deductible than first quoted. Can't wait for our policy to end so we can switch to a company that is responsive and actually appreciates our years of business.

    Amica Car Insurance response

    Hi Kaitlin. We’re sorry to hear you feel this way, and we’d like to discuss your experience with you directly. Could you please email us at socialmedia@amica.com with you for full name and contact information so we can have a representative get in touch with you? Thank you.

    3 people found this review helpful
    Rated with 5 stars
    profile pic of the author
    Verified Reviewer
    Original review: Aug. 3, 2020

    I have been with Amica for several years. I am a stockholder as all Amica insured are the same. I have an auto policy and a home policy. I am able to call and speak with someone and have my inquiry addressed the first time. I receive dividends. I use those dividends to lower my premium. I am happy with Amica and have no plans to change.

    Amica Car Insurance response

    Thanks for the kind compliment! We're so pleased to hear that you're happy with your insurance. We hope you have an excellent day!

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    Amica Car Insurance Company Information

    Company Name:
    Amica Auto Insurance
    Website:
    brand.amicacoverage.com