Amica Car Insurance Reviews

My Amica experience: they suck! Here's why: First of all, they send you too much mail; you will see below why/how this becomes a problem. And their customer service is horrible... I was a relatively new Amica customer, and was set up w/ auto-pay of my premium on my credit card. Everything went fine, for a while. Someone got hold of my credit card number, so my credit card company had to close the account and sent me a new card. I called Amica and provided them with the new account details. The day before my payment was due, Amica ran a 'test' charge for $1 (as some companies do), to verify everything was in order. It was. The day my payment was due, they said they attempted the charge and it was not approved. They sent a notice by snail mail. Should I have seen it? Probably, but by this time I had started ignoring their mail because it was excessive and mostly meaningless.

I have never written a review for a company of which I am not a customer yet. But I want to share my experience in case you are shopping for a car insurance company that provides excellent claim services. My car (an old BMW) parked in the garage of a shopping mall was hit by a teenage driver who is a customer of Amica. First of all, Amica assigned a dedicated claim service representative (Megan). That's a big plus to me! Have you ever experienced talking to different customer service representatives and had to repeatedly tell your stories? Not the case here. Megan has always been responsive and resolved several issues professionally during the repair process that lasted almost 30 days. For example, when a used part could not be found within a reasonable time frame, Megan immediately approved a new part. I am with another insurance company right now. Will I consider Amica when I renew my insurance? Yes!

One of their insured struck my wife’s vehicle while driving way too fast through a parking lot. My wife was backing out in the opposite direction of the Amica driver who was traveling forward. The Amica driver could clearly see my wife’s car but since they were driving way too fast they were unable to stop in time. It is obvious to me and to all those I have spoken to regarding the incident who was at fault, yet Amica is denying liability so I am out a $500 deductible. I am the sole provider for my family and $500 is a substantial amount of money for us to have to pay out of pocket. It seems to me that Amica is just your typical insurer who denies legitimate claims and is more concerned about their bottom line than they are about doing the right thing.

Amica has been a long standing Insurance company who always did right by their policyholders... until they branched out from their home state in particular, into Maine. Maine Amica’s employees lack the integrity and professionalism that it has in other states. It may be the lack of social skills and social interaction and social inadequacy that makes them insensitive and pushy and bullying here in Maine but that’s no excuse for bad treatment and disrespect of its policy holders, those policy holders are paying their salaries, I do believe Maine Amica needs to be educated in common courtesy and reminded of who they work for. Disappointing to watch a once honorable company go downhill simply because of the mentality or lack of, of the employees in one state.

I would give zero stars if I could. Let's sum up my experience by saying I made a claim on my auto policy. It has been 2 months and the claim is still open. The representatives are very unresponsive, just the worst customer service ever. I am not someone who writes reviews, I usually just go away - but this company is downright wrong.

Be aware!!!! This Insurance company is awful. The customer service awful. Their driver hit me, they want my insurance to pay. They’re sooo rude. I got in the wreck 3 months ago and still haven’t got any help from them so I wouldn’t want insurance with them at all.

It baffles me how reps get nasty or haughty. This happened to me on 10/19/2019. Called to change insurance (my decision) and got this awful rep.; told me several blatant lies: It was 4:00 and there were no supervisors there to document a "letter of experience" - it wasn't even 4 o'clock yet. She would submit request and someone hopefully, would get to it on the next business day. A 'letter of experience" take time.

After a great decade with Amica, things got really bad this. For years I have had good home and auto insurance, good customer care, and good rates. In December 2018 they doubled the rates, so I went shopping elsewhere for home insurance. It was hard to leave, but I had no choice. Then in the summer of 2019, my car insurance payment lapsed because the card on line had expired, so they canceled the car insurance without talking to me. So I went to the new home insurance company for auto. In November 2019 I received letters from a debt collector for the auto insurance payments!! Wow. What a change in relationship! Amica isn’t the company it was 10 years. ago.

I was run off a busy interstate road during heavy rush hour traffic. I have paid my monthly premiums on time for over 30 years. When I called for roadside assistance (another service I pay for) I was informed I should have called 911. In asking for assistance I was transferred to a claims adjuster. Mind you, I’m sitting in a left hand lane, flat tire and an undetermined amount of possible under carriage damage. The claims adjuster verifies pertinent info but proceeds to update my profile info while I’m in total distress in a left hand lane on a busy highway. I need help!! I’m not sitting comfortably at my kitchen table updating my profile!

I came to Amica looking for car insurance. I've had a checkered recent driving history with 3 accident claims in the past 3 years, but I filled all of that information in during the process and they still gave me an amazing quote, far better than any other insurer so far. I just had to call the number to purchase what I thought was an amazing deal.

Clark Howard recommended Amica so I tried them a few times over the past 15 years. First year it would be OK and then you get hit with ridiculous price increases. Just to give a background, I have had Auto insurance for 22 years (with various providers) and not a single claim. Had Home insurance for 15 years (with various providers) and not a single claim. Rental property insurance for 3 years and not a single claim. Last year my Primary Home insurance with Amica is $1900 and when it came to renewal time, it jumped to $3k plus (about 52% increase). Same with the rental property (30% increase). No justification, nothing. We are doing it so we can.

During the process of getting a quote from an agent, he asked me if I had any firearms in my house. I replied "What does that have to do with anything?". He said, "We need to determine if you are a responsible gun owner". Who who they to determine if I am a responsible gun owner? That is none of their business and quite frankly, very offensive. That ended the conversation. Makes you wonder what their agenda is.

In seeking new auto and home policies, I was required to give a list of my firearms. No American should answer this question, perhaps esp those who are unarmed. Must be another of those "woke," virtue-signaling companies. I'd rather pay a little extra for insurance protection than deal with this type of company.

We have been Amica customers for 17 years. I called recently to drop my 23 year old daughter from our policy and they refused until I proved she doesn't live with us. She hasn't lived with us for 5 years and hasn't owned a vehicle in over a year. I was told I had to prove a negative by providing proof of her being insured with another company and provide proof of her residence in another state. I provided both and was told it is under review. When I called again to ask what they needed to review and why they conveniently got disconnected. I'm done.

Amica is a good company but I left them because of a huge rate increase in my homeowners and auto policy. After I left I kept receiving bills for my auto policy and called many times to try to get them to address the mistake. So after I received a letter from the NCDOT saying that my insurance had lapsed, and I was required to turn in our auto license tags. After threatening Amica in going public with this issue, I finally got the attention of a rep who helped me get the issue resolved. I have Erie Insurance now and will probably never go back to Amica.

AMICA is a little known strictly an online insurance company. "Consumer Reports "consistently rates AMICA number one or number two in the Country. I've been a client for over ten years and have founds their rates extremely competitive, their Customer Service beyond reproach, and their various coverages extensive. One caution though, when I first applied they were very careful to see if I qualified for their policies. In other words, they maintain such good rates and outstanding service by carefully selecting who they will or will not insure.

I have switched car insurance and now I've been with Amica the longest. Love everything. The rates, customer service. I receive good advice through my email. I provided them holiday cards reminders. Roadside service is great. The other offers I do not need yet.

Canceled 8/21/19 after 10 years loyalty that was never, ever reciprocated to me. Money grubbing ** with snot nosed CSR's who have no earthly clue about the needs of hard working individuals and their insurance needs. GOOD RIDDANCE!!!

I received a mailer on how Amica can save me on auto insurance (as much as 50%). I go online to get a quote. I enter all my personal information for both me and my wife. Then I enter all the car information for my two cars. Then I hit 'Get my Quote' and receive error message that they cannot give me a quote online and that I have to call them to get my quote.

I have been a long term Amica customer (8+ years) and have enjoyed excellent customer service when needing towing or roadside assistance. However, I am finding it difficult to get a firm price on a renewal premium. I was recently quoted a monthly price of approximately $133/month by an account rep for Amica. However, on-line there is a quote of $740. Is that a 6 month rate or a 12 month rate? Also, there are a number of discounts that I have not received on my policy. I don't have confidence in Amica's pricing on their insurance and while I still believe it to be an excellent company, I am retired and currently living on a very tiny fixed income. Therefore, I am looking around for cheaper quotes from other insurance companies. I would like to discuss how I can get a better rate on my insurance because the price is out of control.

Amica made a mistake by providing a lower quote than intended for what I asked for. I only agreed to the lower quote which I thought was fair. The next day I check my premium and it's an extra $100 more than discussed. I called several times to correct the issue and even the original representative admitted it was incorrect and should not be up there but every time I asked it to be corrected no one would. Their exact words were "The quote is the quote and you'll have to pay it". They refused to honor the mistake they made in the original lower quote and claimed they would review the call which proved twice the original rep admitting it should be removed. They never responded to me so I decided to take my business elsewhere. Amica has horrible customer service and they just want their money. Cheaper isn't always better. Their top ranking as an insurance company excludes customer service.

We cancelled our Amica Auto and Renters insurance due to our premium going through the roof and was told by the customer service agent that no money would be taken out of our bank account for a premium payment because we cancelled. We are an auto payment plan. The long and short of it was the customer service agent did not know what she was talking about because, sure enough, Amica withdrew the full amount of premiums for policies we no longer had. We had to call numerous times to discover that they were sending us refunds on the policies after the fact of the withdrawals. This is no way to do ethical business. Amica could have billed us for the balance of policies and been up front. Up to the point of cancellation, we had been with Amica for a good number of years and now, quite frankly we would never go back based on the lousy customer service we received trying to cancel our policies.

An agent provided an initial quote but failed to reply to any voice or email communication following the quote. Multiple online requests for a follow-up also received no reply. We went with a local State Farm agent who was not only timely in responding but provided a significantly less expensive quote.

Received an advertisement in my email from Amica stating "Switch to Amica and you could save an average of $596!" And seeing how I was in the market for a cheaper insurance I gave it a try. Oh my God, I could not believe the quote they came up with. It was $2,697 for 6 months, with a $1000 deductible, that is $5,394 a year on a 2008 Ford Edge that is paid for. I was so blown I had to speak with an online representative to express my feelings. I have been with GEICO for 11 years, my payments are $505 for 6 months with a $250 deductible, that is $1,010 a year. I needed them to explain to me how they came up with that number. Needless to say, they couldn't. All I can say is buyer beware, especially after reading these reviews.

I have been a member of Amica for 10+ years and have been more than happy with the support that I have always received. This evening however I had an urgent change which I needed to make and when I contacted Amica I was completely blown off. I was advised that their systems were down for maintenance so they were unable to access accounts. I have never heard of such a thing at any business anywhere, especially not an underwriting type business where customers have an expectation of high availability. My customer service interaction this evening (via chat) was so bad that I have to say it seriously damaged my trust in this company. I even asked about filing a complaint and she blew me off (Told me to call back tomorrow!).

I have had this insurance for over 8 years, had only one claim for a minor fender-bender over 5 years ago. Recently, I started to use the road side assistance offered by this insurance company, mind you, I always had this as part of the package but never took advantage of it. All of a sudden I get a letter in the mail that my policy is being dropped, not because I have any accident claims, but because I used the road side assistance 5 times in 3 years. So helping to open your car door or jump your battery is apparently a big crime with them, even though we have 5 cars in our policy and we have not even had a minor fender-bender in the last 4 years! I think it is a Fraudulent company, if they can take payments for our 2 homes and 5 cars for 8 years and turn around and drop me for using your road side assistant without prior warning!!!

When leasing a new vehicle, I called to add the vehicle to my policy and was told my insurance premiums would be less because of the newer safety features on the vehicle. A month later I received my billing statement and discovered that the premiums went up by $300. I called and was told they were less for that car but apparently there was just a general renewal rate hike. We’ve been customers for since 2003 and have our home and umbrella policies with Amica. No claims, ever. So disappointed. Time to shop around!

I have had Amica for almost a year. I thought they were doing good. I paid my monthly premium and was never late not that matters any way. I had a very bad home invasion where everything in my home was taken of value. The insurance adjuster who came was very nice but asked a lot of questions like for example how I paid for any of my belongings I had and the stuff that was stolen. I don’t know why though because I know what I had and I paid for my stuff. Anyway as the claim process goes I had to speak to a claims specialist. I have never done such before. The person I spoke to name Tamara was beyond rude right from the beginning. Not to mention I’m still very shaken about what happened to me and my home.

I’ve been with Amica before for years and was really happy to be on board with them again. The policy offerings are pretty solid and I have a good friend in the insurance industry who had a not at fault accident with them years ago and they went above and beyond for her to make it stress free by taking control of the claim and increasing her rental allowance. I don’t shop insurance on price first, its claims handling first then the most competitively priced in that same category second. I carry $500k CSL which is higher than average and was planning on purchasing an Umbrella. Things were good until recently when I traded in my Volvo for a newer Audi that was purchased for $22k, not an expensive car.

I started insuring with Amica in 1980 and accepted their consistently higher prices in return for what was definitely better service and courteous, personal service. But Amica seems to be slipping - for example they treated me like a completely new customer when moving from one state to another, requiring a credit report - even though I pay by bank transfer. They failed to collect premiums on one of our rental properties, with a mailed threat of policy termination rather than a phone call; they put the wrong address on forms for landlords policies; and new matters have gone without a response, requiring a call to re-state the original request, among others.

I recently quoted insurance w/ Amica. They found one accident where my insurance company found I was not at fault. A comprehensive claim from an accident with a deer. They told me that due to these two, I was higher risk. The rates they quoted higher and limited property damage coverage and medical as well. I don't see much to like about this insurance company. Their dollar limit for a "chargeable" accident is only $500 vs Nationwide @ $1800 whether it's your fault or not. I was looking at moving my cars and house over. I can't imagine the hassle if I actually had a claim. No thank you!

It is sad that them problem I called about will require I call annually to correct.

A car (insured by Amica Mutual) hit my car as they did not stop at the stop sign. It was the other driver's fault. I contacted Amica mutual and opened a claim. They came in and estimated the car as total loss. It took few weeks and then offered a very low amount (1980$ for a total loss of a Camry 2005). I talked over the phone to discuss the amount they are offering and the agent advised me to collect proof of all the work I have done in the past 12 months and to do a survey of all the similar cars in the market. I spent over 6 hours to prepare all the documents. The survey of nearby cars took a long time as I had to put together a description of each car I find along with the price and a link to the page. The lowest price I found in the market was 5000$ (out of 11 surveyed cars- which is all I could find).

If I could give them no stars, I would! I got into a car accident back in December of 2018 and the claim is STILL open! Not only was this accident not my fault according to the other driver's CONFESSION and the fact that it was written in black and white on the police report but Amica went from being on my side to being totally against me. I was told they were going to go after the other driver's insurance and get a refund for the money paid out to fix the damage on my car. A week later they totally switched side and went in favor of the man who was swerving in and out of lanes and rammed into the front of my car. I was totally liable even though I was in the lane I was supposed to be and he couldn't decide where the heck he wanted to go. They even told me that even if the guy was intoxicated that I would've still been liable. GOOD COMPANY RIGHT?? He probably was drunk and they still won't let me appeal it.

Ugh. Terrible follow-up. Still trying to figure out what’s going on with a claim from 4 months ago. Premiums are astronomical. I don’t get it. I’m dumb for sticking it out as long as I have. I wish they were as good as they wish they were.

Horrible. Don't believe the "we're #1 in customer service" hype. After spending hours on the phone, working through false statements by their agents (like a false claim I'd get a 3 year auto policy tenure credit, when another agent later said I won't), I was ready to give them the business. Then, at the very last minute before my house closing, they claimed I had pets (I don't) and wouldn't issue the policy. I almost lost my new home. I tried to offer a sworn affidavit that I don't have pets, or some other way to resolve it, but they wouldn't budge. It probably started off with some innocent lost in translation problem, but their bone-headedness afterwards was inexcusable, particularly for a company that thinks so highly of themselves regarding service. I will encourage everyone I can to avoid Amica.

I had read on several sites that Amica was considered top rated for homeowners or renters insurance. I called to get a quote. The person on the phone, Tracy (she refused to give me her last name for obvious reasons after you read this), was beyond unfriendly and the entire time acted like I was putting her out for asking for a quote. Then to top it off, she started asking the most insane questions that no other renter’s insurance company has ever asked me in my 43 years. Incessant questions about the property and what’s on the property.

I first came to Amica due to recommendations from Clark Howard's website. They offered a VERY attractive annual premium on my auto and the sales lady said I would receive a 20% dividend at the end of the year - more on this later. Anyways, life was good until the term renewal came along. Just like another reviewer here, Mike, I had the same exact experience. Also the dividend was NOT 20% and was only 10%. HALF of what I was promised.

I have been a customer of Amica for over 40 years; first auto insurance when I was 16 on my father's policy (who is also very satisfied lifelong customer). Then after college (I’m a Registered Nurse) I purchased my own policy... First for auto and in 1992 home and auto bundle. The company has always been excellent in every area; customer service, premiums are very reasonable, never felt as though I was being mistreated when filing a claim (in fact just as friendly and considerate when I had to file a claim as when I’m making a payment). I can’t understand all the negative reviews. My house was damaged by fire and heavy soot. Where most companies would have tried to pay to remove soot Amica realized it would have been a terrible house to live in and have been VERY generous in their damage estimates.

My wife is now 5 hours into the event and it is not nearly over. She had a blowout and it took two hours for the truck to come. Amica said they would have it towed to Pep Boys who would fix it. The tow truck took her to Pep Boys which was CLOSED...not open as Amica said. The truck left her there and my wife has been on the phone for quite a while. The third person at Amica, a supervisor, is trying to find someplace open (at midnight now) and will have it towed there. If not they will tow it to someplace that will be open tomorrow and pay for a hotel tonight. (Which we do appreciate as otherwise she would have to sleep in the car at the repair shop until 7:00 am.)