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.
Overall Satisfaction Rating
- 5 stars
- 4 stars
- 3 stars
- 2 stars
- 1 stars
- Dividend policy options
- Multiple discounts available
- Perks include roadside assistance
- Limited office locations
- Can be pricey
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.
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We were loyal customers of Amica for 15 years with our home and auto. We had a house fire and were treated as if we never paid a dime to them. They sent 2 reps to our house to harass us, argued about the value of items in the home for six months. In the end, they refused to pay to replace the roof -- "they said the burned parts could be replaced." It is a metal roof. Overall, they made a very challenging situation so much worse. This was the first and only home claim we had ever made on the house. A year ago we changed insurance companies and left Amica. They recently re-instated our home policy without notifying us, and now we are awaiting a refund on the funds they drew from our account on this reinstatement. I'd say go elsewhere.
Hi Kelley. We’d like to look into this and discuss your concerns with you. We’ve passed your review along and will have a representative reach out directly. Thank you.
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.
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!
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.
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!
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.
Hi Sue. We'd be happy to discuss your policy with you. Please send an email to email@example.com with your full name and contact information and we'll have a representative reach out to you directly. Thank you.
They harassed me to switch to their policy claiming they were cheaper than Geico, etc.... I finally gave them a call and was in for an experience. Nasty is an understatement. They wanted random documents proving all sorts of BS claiming that it was a "State Requirement". Somehow the 3 other insurance companies didn't know about this "State Requirement". When we finally got the quote, they were about 30% more expensive than my current insurance. I'm glad their reviews here are terrible. People should know and keep away. Be aware, it may look good, but when you need them you will be in serious trouble.
Hi Avrohom. We’d like to discuss your quote with you. Please send an email to firstname.lastname@example.org with your contact information and we’ll have someone reach out to you directly. Thank you.
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.
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!
I submitted a water damage claim and all estimates to Amica last fall. They deemed the issue mold and said they would only cover $10,000. While every contractor has said it was caused by wind driven rain. I have removed windows, fixed water damage and am virtually complete. I am out $64,000. My attorney is involved and we have sent the same estimates 1/2 dozen times. Still no resolve. After being with Amica for 30 years. This is not the same company, their rates have sky rocketed and service is horrible. Had no choice but to fix the house. They could care less.
I been getting 2 to 3 emails per day from this company. I was told to send an email to their customer service and they would stop the emails and nothing. I’ve sent them 2 to 3 emails asking to please stop the annoying emails and nothing. The emails come in a way that I can’t unsubscribe or blocked them. I can’t stand it and therefore I’m writing this review. I will never use them for car insurance and I’ll tell people and family not to use them as well.
Hi Fred. Per your request, we've removed you from our mailing list. You will no longer receive emails from us. Thank you.
I trusted great Web reviews and switched to AMICA last year for lower rates. Well, their application process was quite a gauntlet--lots of fuss and bother about details and verification. Now less than a year later, I get renewal notices that my auto insurance is being raised over 10%! And my home insurance nearly 20%!! Because of "market changes" in Maryland! Well, they're no longer even competitive in Maryland, let alone a bargain. And lucky for me Maryland requires a separate disclosure of rate hikes, because I would not have spotted it, having trouble even finding their Declarations pages buried in the wads of paperwork they sent.
As for their reputedly great service, when I called to double-check on these rate hikes, the smug kid on the phone responds to my complaint, "It's nothing personal." Well, it's personal to me. I feel fooled by a false reputation and disgruntled having to start all over looking for competitive rates in my "Maryland market"--which, by the way, I found on my first phone inquiry. AMICA is in business to serve itself, not you, seems to me.
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I never realized how overpriced Amica is. I just leased a new car and my policy went up again, so I decided it was time to look into new policies. I am now saving $70 a month by switching. After I called to cancel my policy I was told I would be getting a refund check for my policies up until the day I cancelled, and that billing would stop immediately. Three days later I was charged from them again, and they are refusing to refund the money. When I spoke to them they claimed I still owed them money for my policy, even though I no longer have coverage. One person I spoke to was shocked that I had set up a payment with Autopay directly from my bank, stating she didnt know Amica offered that service. I am so glad I cancelled, I wish I had done it sooner. Now, I just hope they return my stolen money.
I have been with Amica 5 years and Amica has never paid out on a claim. On this year's premium, 2020, they have increased my premium 36%, the highest that the insurance regulators for Colorado will allow. When I asked why they did this, I was told, "We can do whatever we want."
Hi Candace. We understand that you’ve had ongoing discussions with the manager of our Denver office regarding your concerns. If you have any outstanding questions or worries, we encourage you to contact them directly so they may be able to assist you. Thank you.
I've been a customer of Amica for almost 40 years, during which time I've purchased auto, homeowners and liability insurance and never once have been late with a payment. Last month the Amica invoice was delayed in getting to me because of a change to my address, and my payment arrived a few days beyond the due date. Immediately thereafter I received a terse, threatening and uncompromising letter stating that my insurance was scheduled to be cancelled. I would have expected that after 40 years without missing a payment they might have instead sent me a reminder that my payment was late, rather than a cancellation notice. It was very insulting and crude on their part, so I've reached out to a local agent who informs me that he can provide even better coverage at an annual savings of $900. Needless to say I'm switching. My recommendation is that you steer clear of Amica, they are over priced and uncaring towards their customers.
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Insured with them since 2007. After changing policy terms from 12 to 6 months, they're now able to increase rates exponentially and more frequently. Reason? Claims have gone up in Texas and they have to adjust for their losses. I've never had a claim and not so much as a traffic violation. Nice one Amica. You'll soon be history with me. Why only good reviews elsewhere? Because they're likely not legit.
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Amica is my insurance company (they won't be once this is over with) and I was rear-ended while completely stopped at a red light, by an uninsured driver. This was 3 WEEKS AGO. No one from Amica has come to look at my car because they are dealing with the uninsured driver's previous insurance company, who has been trying to contact the driver to "confirm" whether or not they had insurance. Of course they are avoiding their calls, but that is besides the point.
Amica should be taking care of THEIR CUSTOMER, BOTTOM LINE. I pay for uninsured motorist property damage coverage. They need to take care of their customer then deal with the other insurance company if the driver ended up having insurance. I don't know how on earth this company has so many great reviews. I thought Amica was supposed to have great customer service, but this has just been awful. I have been without a car for 3 weeks now (car is not drivable) and Amica has done NOTHING AT ALL besides make me wait. AWFUL EXPERIENCE, WOULD NOT RECOMMEND AMICA TO ANYONE.
Hi Ashley. We’d like to discuss your concerns with you. Please send an email to firstname.lastname@example.org with your contact information and claim number and we’ll have a representative reach out to you directly. Thank you.
Just so you know - the 1 star rating is way too high! I was in an accident with one of Amica's customer. The customer admitted fault and was written at fault on the police report. After filling out the mountain of paperwork for the claim for the damages to my car (almost 2 months), the claims rep (who was not very timely in answering or returning calls) is now telling me it was both our fault and they are not paying to fix my car. WHAT?! SHE BACKED INTO THE SIDE OF MY CAR! I am so ticked off right now. Needless to say, I will be ranting on any outlet I can about the disservice they have done. And to think, I had even thought about changing my insurance over to them. NO WAY. I hope they don't treat their own customers the way they treated me. SMH
Hi Vivian. We’d like to discuss your concerns with you. We’ll have a representative reach out to you directly. Thank you.
When I moved from Liberty Mutual to Amica they matched the home valuation of Liberty Mutual which was $1.2M+. The actual cost to rebuild based on original construction cost in 2000 was just under $1.0M but when adjusted for inflation the number in 2019 is $1.4M. About 9 months after signing up with Amica, they hired their appraiser to determine the cost to rebuild my home.
Their first appraiser (interior and exterior) came up with $1.7M. After months of disagreement, on this valuation, they sent out a second appraiser saying the first one was not qualified for this type of home. The second appraiser valued the rebuild cost (in case of a total loss) at $2.1+M. or a 50% increase over the $1.4M real replacement value.
Because we disagreed on the value, my policy was not renewed. I felt like someone was "robbing" me but in the end all was well. I went to Progressive and their valuation of my home turned out to be within $20K of my cost to build adjusted for inflation. Why is this important to people thinking of Amica ... inflation of the cost to rebuild valuation doesn't get you anything extra, it just raises your premiums, in my case by more than 50%. BUYER BEWARE.
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Called for a quote to insure two vehicles. 800 FICO score, own my home, steady employment, college degree, and both cars are driven by people in their 60’s. They came in at $2500 more than Geico. Nope.
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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.
They did NOT attempt to contact me by any other method, such as email or phone, despite the IMPORTANCE OF THIS ISSUE. At some point, I somehow realized they were not getting payments, and looked into it. My credit card company confirmed the $1 test charge, but said no other charge had been attempted by Amica. So, the best I can figure is that IF Amica really attempted the payment, someone screwed up at their end, maybe mis-entering the wrong account number or something, but they refused to admit they had done anything wrong. By the time this all got sorted out, my coverage had lapsed and they were telling me I owed a substantial balance to reinstate coverage! Except that we all know I didn't really HAVE coverage during that time, because if I had filed a claim, they would have denied it for non-payment of premium! Caused by them!
I thought about it, and decided not to reinstate because if they couldn't handle simple payments and notifications, what would it be like if I ever had an actual claim??? I went with them initially because they did have a lot of good reviews/comments online, but things seem to be changing. More recent comments/reviews are not so good, and that was definitely my experience. (Sorry for the long post, but I feel people need to know about Amica...)
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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!
Hi Wayne. Thank you for your kind review! Customer service is our top priority, so we're thrilled to hear that you feel this way. We hope you have an excellent day!
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.
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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.
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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.
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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.
Hi Tiara. We’d like to discuss your concerns with you. Please send an email to firstname.lastname@example.org with your contact information and claim number and we’ll have someone reach out to you directly. Thank you.
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.
I listened to her babble and then called back. I was connected to Ron **. He was polite and exceptionally well versed while in conversation with me. His knowledge of my situation was above reproach and greatly needed at this time. He accomplished the task at hand and my letter was emailed within 15 minutes. This young man is an primary example of what customer service should be; I'm overjoyed and relieved to know that there are reps, that not only know their job but take pride in what they do. My hat is off to Ron **!!!!
Hi Perry. Thanks you for taking the time to write this review and providing your feedback. We’ve passed your feedback along. Thank you.
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.
Hi Rob. We saw your review and we'll have a representative reach out to you directly to discuss this with you. Thank you.
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!
Thanks to Florida DOT and Highway patrol, my tire is changed and I’m escorted off the interstate to a tire dealer. Otherwise I would still be sitting in the left hand lane in distress trying to answer questions such as do I need a tire change or a tow truck. How could I possibly know! I’m thrown off the road by another car and I’ll I know is I hear a loud pop and thank God I made it to a safe stop! Then I’m turned over to a claims adjuster who is obviously sitting comfortably while I answer a plethora of profile update questions. After 30 plus years....I’m done!!!!
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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.
But when I called the number, the guy I spoke to ran my information and then told me that they couldn't even offer me insurance because of the 3 accidents on my record. WHY DIDN'T IT FLAT DENY ME ONLINE WHEN I PUT IN THE ACCIDENTS IN THE FIRST PLACE? This feels like a classic bait and switch and they just completely wasted my time. I will never even attempt to use this company again in the future. I'd give zero stars if I could.
Hi Kevin. We’d like to discuss your concerns with you. Please send us an email at firstname.lastname@example.org with your contact information and we’ll have a representative reach out to you directly. Thank you.
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.
So finally I've decided to switch to another company, before Amica Renewal comes up, where they are covering my Home, Rental Property and Auto for the same amount that Amica is charging for 1 home. Essentially I am saving over $2k just for staying away from Amica. Thank you Amica for finally forcing me to shop around and find someone who cares about the customer.
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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.
Hi John. We’d like to discuss your concerns with you. Many of our customers own firearms and we feel it is important to understand each individual situation in order to provide the appropriate coverages. Please send an email to firstname.lastname@example.org with your contact information and we’ll have someone reach out to you directly. Thank you.
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.
Hi Richard. We’re sorry we weren’t able to meet your insurance needs. Many of our customers own firearms and we feel it is important to understand each individual situation in order to provide the appropriate coverages. If you would like to discuss further, please feel free to contact us at 800-242-6422.
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