Amica Car Insurance Reviews

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

Hello. I have all my eggs in one basket with Amica. Homeowners policy, Auto, umbrella, and additional coverages for my wife’s jewelry. I have been with Amica for 10 years. They have consistently raised my rates. I had my car stolen and reported a claim. They were dismissive and act as though they could care less. I have top tier coverage yet they would only give me twenty dollars for a rental car. You can’t rent anything for twenty dollars. They act as though I am a suspect. Every time I ask a question they don’t know and have to get back to me. They are not covering the belongings inside the vehicle. That’s considered a different policy which I have but have a 2500.00 deductible. Ugh. I pay approx 7000.00 a year to them for my combined insurance. After this is all over I am switching. Amica is not a good company. They do have polite employees, but the actual service you get is horrible.

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.

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 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.

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.

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.

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!

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.

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.

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."

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.

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.

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.

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

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.

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.