Amica Auto Insurance Review (2024)

Navigate Amica Auto Insurance in this review, unveiling higher-than-average rates countered by exceptional customer service and satisfying claim experiences.

UPDATED: Jan 21, 2024Fact Checked

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Jan 21, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Jan 21, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Jan 21, 2024Fact Checked
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Amica

Average monthly rate for good drivers:

$182

A.M. Best rating:

A+

Complaint level:

Low

Pros

  • It has high customer satisfaction ratings and a high financial rating from A.M. Best.
  • It has a good array of car insurance discounts for drivers.
  • It has an extensive list of auto insurance coverages for drivers to choose from.
  • It sells car insurance in all states except for Hawaii.

Cons

  • It has higher-than-average auto insurance rates, even for safe drivers.
  • It has some mixed reviews and complaints concerning rate increases and delays in claim handling.
  • It doesn’t offer coverages like rideshare insurance or classic car insurance.

Final Verdict: Review of Amica

Amica Auto Insurance, reviewed by licensed insurance agents Justin Wright and Daniel Walker, stands out for its exceptional customer service and high customer satisfaction ratings, particularly in claims handling, ranking first in J.D. Power’s Auto Claims Satisfaction Study.

While the company offers a comprehensive range of auto insurance coverages, including essential and add-on options, it is noted for having rates that tend to be higher than average. The article emphasizes the importance of considering Amica’s benefits, such as superior customer service and financial stability, against the backdrop of its pricing.

Potential policyholders are encouraged to explore Amica’s various discounts to maximize potential cost savings and make informed decisions based on their specific insurance needs.

Amica car insurance has great customer service ratings, financial strength, and a wide array of coverages and discounts. However, there is a significant drawback regarding price — Amica auto insurance rates are more expensive for most drivers. If price is a significant factor for you, we recommend shopping around for quotes to see if you can find a cheaper rate elsewhere. Use our free quote comparison tool to find the cheapest car insurance rates from companies in your area.

What You Should Know About amica mutual insurance company

The Lowdown

  • Amica’s average car insurance rates tend to be above the national average for most drivers 
  • Amica offers a number of different auto insurance coverages and auto insurance discounts 
  • Amica also offers a number of other insurance options that customers can bundle with their auto insurance

Choosing your car insurance company requires a bit of groundwork to ensure you are getting a reputable company and economical rates. Amica has high customer satisfaction ratings but higher-than-average auto insurance rates — this might deter you if you’re looking for cheap auto insurance

Read on to see if Amica auto insurance is the right company for you. Our Amica auto insurance review will cover everything from Amica’s pros and cons to its average rates and discounts. 

How to Contact Amica 

If you wish to contact Amica to learn more about its products or get help with your insurance policy, there are a number of ways to do so. 

You can go online to Amica’s website and chat with a representative online or send an email through the website’s contact form. You can also call, visit a physical office, or send mail. 

Take a look at Amica’s contact information below. 

  • Sales and customer service number. 800-242-6422
  • Claims number. 800-242-6422
  • Account and technical assistance number. 833-915-0019
  • Payments mailing address. Amica Mutual Insurance Company / PO Box 9128 / Providence, RI 02940-9128
  • Claims mailing address. Amica Scan Center / PO Box 9690 / Providence, RI 02940-9690
  • Sales and policies mailing address. Amica Scan Center / PO Box 6700 / Providence, RI 02940-6700

To find a local Amica branch, visit Amica’s website and go to the contact page. There is a box where you can enter your city and state or your ZIP code to find a local branch near you. 

amica mutual insurance company Insurance Coverage Options

We’ve established that while Amica has some great reviews and ratings, its rates do tend to be pricier than average. However, some drivers may be willing to pay extra if the company offers a great selection of auto insurance coverages not commonly found elsewhere.

Below, we’ve gone over Amica’s complete selection of auto insurance coverages. Amica offers the following car insurance coverages to customers.

Amica offers all the essential coverages drivers need to be fully protected on the road.

Amica Add-On Insurance Coverages

In addition to the main auto insurance coverages that are popular among most drivers, Amica also offers the following additional car insurance coverages:

The noticeable coverages missing are classic car insurance, rideshare insurance, and new car replacement insurance. If you are looking for affordable classic car insurance, check out our list of the best classic car insurance companies.

Additional Services Offered by Amica 

Amica doesn’t just sell car insurance. This means that if you want to get a bundling discount, there are plenty of options to choose from. The other types of insurance Amica sells include the following: 

  • Condo insurance 
  • Flood insurance
  • Home insurance 
  • Life insurance 
  • Marine insurance 
  • Motorcycle insurance 
  • Pet insurance 
  • Renters insurance 
  • RV and trailer insurance 
  • Small business insurance 
  • Umbrella insurance 
  • Wedding and event insurance 

Amica offers many different types of insurance, making it easy to find a policy to bundle with your car insurance. 

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amica mutual insurance company Insurance Rates Breakdown

Driver ProfileAmicaNational Average
Clean Record$250$119
1+ Ticket$290$147
1+ Accident$320$173
DUI$560$209
Poor Credit$430$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver


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We’ve gone over a number of pros that Amica offers its customers, from great customer service to strong financial ratings. However, one of the cons we mentioned at the beginning of this review is that Amica tends to have higher-than-average car insurance rates. 

We want to give you an in-depth look at Amica’s average rates, so you can see what most drivers will pay and decide if the cost is too much. Take a look at the table below to compare Amica auto insurance quotes by age:

Average Monthly Full Coverage Rates for Amica Auto Insurance by Age and Gender
Age and GenderAmica Monthly Full Coverage Rates
25-year-old male with a clean record$189.88
25-year-old female with a clean record$181.91
45-year-old male with a clean record$150.80
45-year-old female with a clean record$152.92
65-year-old male with a clean record$147.61
65-year-old female with a clean record$149.68

Bear in mind that these are average rates, so your rates may be higher or lower depending on multiple factors, such as your vehicle or driving record. 

The only way to know for sure what Amica will charge you for an auto insurance policy is to compare car insurance quotes. We recommend getting quotes from at least three other companies to see how Amica compares.

Amica isn’t the cheapest company on average compared to other auto insurance companies. This is something to weigh against its good customer service and financial strength when considering Amica as a car insurance company. 

In the following sections, you can get an idea of what companies are close in price to Amica or lower. 

Amica Auto Insurance Rates for Minimum Coverage 

All drivers must carry minimum liability insurance coverage to drive legally, no matter their state. 

Compare the average cost of minimum liability insurance at Amica to other top companies:

Average Monthly Minimum Coverage Rates for the Top Auto Insurance Companies
Insurance CompanyAverage Minimum
Coverage Rates
Allstate$50
American Family$48
Farmers$56
Geico$24
Liberty Mutual$64
Nationwide$49
Progressive$40
State Farm$34
Travelers$39
Average$45

If you have a clean driving record, the cost of minimum liability insurance will fall right around the U.S. average. Amica’s rates are, therefore, fairly reasonable for minimum liability insurance, as they tend not to fall too high above the national average. 

Amica Auto Insurance Rates for Full Coverage 

Full coverage auto insurance is more expensive than minimum liability insurance but will provide better protection, making it worth the higher price tag. 

Take a look at Amica’s average rates for full coverage car insurance below:

Average Monthly Full Coverage Rates for the Top 10 Auto Insurance Companies
Insurance CompanyAverage Full Coverage Rates
Allstate$166
American Family$116
Farmers$140
Geico$82
Liberty Mutual$177
Nationwide$120
Progressive$109
State Farm$91
Travelers$107
USAA$63
Average$123

Amica’s rates for full coverage aren’t terribly high, but tend to fall above the national average, even for drivers with clean records. Unfortunately, Amica is more expensive than every company on this list except Liberty Mutual.

Therefore, Amica likely won’t be the cheapest option for car insurance that you can find if you are looking for full coverage. 

Amica Auto Insurance Rates by State

Your ZIP code can impact what you pay for Amica car insurance. This is because Amica, like all car insurance companies, will look at the following location factors: 

  • Local crime. If there is a high rate of vehicle theft or vandalism in your area, you will likely be charged higher rates for comprehensive insurance. 
  • Local weather patterns. If your area is prone to bad weather or natural disasters that either damage vehicles or cause crashes, you will see higher rates for car insurance coverage. 
  • Local crash patterns. If your area has a high rate of crashes and claims in the area, you will see higher auto insurance rates. 
  • Other local factors that influence claims. Other things may increase your rates, such as a high deer population that causes multiple crashes every year or a number of bad drivers in the state. 

Amica’s average rates can vary by hundreds of dollars among states. If you have Amica insurance and move to a new state, we recommend getting auto insurance quotes to see if Amica is still the best company for you.

Amica Auto Insurance Rates for Teenage Drivers 

Statistically, teens are more likely to participate in risk-taking behaviors like speeding or not wearing seat belts, which, combined with their driving inexperience, makes them riskier to insure. So, teenage drivers have some of the highest auto insurance rates. 

Take a look at the table below to see how Amica’s average rates for teenage drivers compare to the national average rates. 

Average Monthly Full Coverage Teenage Auto Insurance Rates by Gender
Insurance Company16-Year-Old Male With a Clean Record16-Year-Old Female With a Clean Record18-Year-Old Male with a Clean Record18-Year-Old Female with a Clean Record
Allstate$637.83$608.25$518.58$448.42
American Family$480.08$390.17$390.33$287.67
Farmers$741.75$777.50$603.17$573.25
Geico$311.92$297.75$253.58$219.58
Liberty Mutual$778.25$716$632.75$527.92
Nationwide$476.17$410.50$387.17$302.67
Progressive$813.83$801.42$661.75$590.83
State Farm$349.25$310.83$284$229.17
Travelers$896.83$708.83$729.17$522.58
National Average$609.58$557.92$495.58$411.33

Amica’s average rates for drivers ages 16 and 18 are $100-$150 more per month above the national average. 

However, if the parents are Amica policyholders and add their teenager to their own policy, the rates will be cheaper than the ones we’ve shown for teenagers purchasing their own policy. 

Amica Auto Insurance Rates for Young Adult Drivers 

Young adults will start seeing their auto insurance rates decrease at age 25. 

Below, you can see how Amica’s average rates compare to the national average rates for young adults:

Average Monthly Auto Insurance Rates by Age and by Company
Companies25-Year-Old Female25-Year-Old Male17-Year-Old Female17-Year-Old Male
Allstate$219.51$220.97$678.65$733.87
Farmers$172.13$179.75$810.38$773.12
Geico$108.35$111.96$259.76$385.52
Liberty Mutual$279.38$296.29$544.95$882.56
Nationwide$170.12$216.52$304.87$452.46
Progressive$192.71$187.71$527.40$587.72
State Farm$181.32$192.87$497.40$641.39
Travelers$247.44$255.98$558.84$664.92
USAA$162.66$179.06$520.49$617.89

Amica’s rates do fall above the national average for 25-year-old drivers, which means you will likely be able to find cheaper rates elsewhere. 

Amica Auto Insurance Rates for Adult Drivers 

If you are an adult driver, you will see cheaper rates than young adults and teenagers.

Amica’s rates are slightly above the national average for adult drivers, but you will notice that rates decrease with each decade drivers age. For example, 45-year-old drivers will pay less than 35-year-old drivers. 

Amica Auto Insurance Rates for Senior Drivers 

Drivers in their 60s often pay much cheaper rates than adult drivers. Not only is this due to the decades of driving experience that older drivers have, but older drivers in their 60s are often retired or close to being retired. 

With retirement, senior drivers often drive less than working drivers, and when they do drive, it’s not during high-risk traffic hours. Therefore, retired senior drivers will see reduced rates in their 60s. However, they may see another hike as they near their 70s and 80s due to age-related health issues like loss of vision. 

Below, you can see how much Amica charges senior drivers:

Average Monthly Full Coverage Senior Auto Insurance Rates by Gender
Insurance Company60-Year-Old Male With a Clean Record60-Year-Old Female With a Clean Record65-Year-Old Male With a Clean Record65-Year-Old Female With a Clean Record
Allstate$153.92$149.75$156.50$158.33
American Family$99.17$97.92$107.58$106.33
Farmers$122.83$115.25$130.08$130.67
Geico$74.33$72.67$78.42$78.17
Liberty Mutual$157.50$146.50$168.50$165.92
Nationwide$104.42$99.08$112.25$110.58
Progressive$95.25$92.08$102.83$109.33
State Farm$76$76$84.17$84.17
Travelers$88.75$87.67$95.42$94.17
National Average$108$104.08$115.08$115.25

Amica’s average rates are still more expensive than the national average, so drivers in their 60s should compare quotes elsewhere if they’re looking for cheaper coverage.

Amica Auto Insurance Rates for Drivers With Traffic Tickets 

A traffic ticket or moving violation will raise your auto insurance rates at any company. Some examples of traffic tickets that increase car insurance rates include speeding tickets, reckless driving tickets, failure to yield tickets, and multiple others. 

Take a look at the table below to see what Amica charges on average for drivers with a traffic ticket on their driving record: 

Average Monthly Auto Insurance Rates with One Speeding Ticket
CompanyAverage Rates with Clean RecordAverage Rates with 1 Speeding Violation
Allstate$318.33$373.63
American Family$224.47$252.15
Farmers$288.38$339.92
Geico$178.83$220.45
Liberty Mutual$397.86$475.11
Nationwide$228.85$259.47
Progressive$282.76$333.52
State Farm$235.10$265.50
Travelers$287.31$355.07
USAA$161.14$182.77

Amica charges more than the national average after a ticket or moving violation, but its monthly rates are still cheaper than Allstate and Liberty Mutual.

Bear in mind that these rates are for just one traffic ticket. If you have more than one traffic ticket on your record, your average rates will be even higher. 

Amica Auto Insurance Rates for Drivers With an At-Fault Accident 

Causing an accident will raise your car insurance rates, as you are now deemed a higher risk to insure.

If you have an at-fault accident on your driving record, Amica charges the following average rates:

Average Monthly Auto Insurance Rates for Drivers with One Accident
CompanyAverage Rates with Clean RecordAverage Rates with 1 Accident
Allstate$318.33$415.64
American Family$224.47$310.23
Farmers$288.38$376.56
Geico$178.83$266.06
Liberty Mutual$397.86$517.07
Nationwide$228.85$283.08
Progressive$282.76$398.09
State Farm$235.10$283
Travelers$287.31$357.48
USAA$161.14$209.69

Amica is one of the most expensive car insurance companies for drivers with accidents. If you have an at-fault accident on your record, use our comparison tool below to get cheaper quotes from local companies. 

Amica Auto Insurance Rates for Drivers With a DUI 

At most insurance companies, a DUI will raise rates even more than at-fault accidents or traffic tickets. 

Take a look at Amica’s average rates for DUI drivers below: 

Average Monthly Auto Insurance Rates with One DUI
CompanyAverage Monthly Rates with Clean RecordAverage Monthly Rates with 1 DUI
Allstate$318.33$521.73
American Family$224.47$360.85
Farmers$288.38$393.23
Geico$178.83$406.32
Liberty Mutual$397.86$634.46
Nationwide$228.85$378.60
Progressive$282.76$330.80
State Farm$235.10$303.07
Travelers$287.31$478.45
USAA$161.14$292.17

Amica charges more than the national average, so if you have a DUI, Amica may not be the cheapest car insurance company for you. Compare quotes from at least three different companies to find more affordable auto insurance for high-risk drivers.

Amica Auto Insurance Rates for Drivers With Poor Credit 

The majority of states allow car insurance companies to use credit scores when calculating rates. Insurers view drivers with poor credit as more likely to file claims or miss payments, increasing their risk. 

Since auto insurance companies do background checks, the best way to improve your rates is to improve your credit score. Improving your credit score can help your rates decrease at your next policy renewal. 

amica mutual insurance company Discounts Available

DiscountAmica
Anti Theft8%
Good Student15%
Low Mileage12%
Paperless7%
Safe Driver20%
Senior Driver10%

Even though Amica has higher-than-average auto insurance rates, discounts can help you save on your policy. Below is a complete list of car insurance discounts offered at Amica:

  • Accident-free discount. You must remain claim-free for at least three years to qualify.
  • Adaptive headlights discount. Your car must have adaptive headlights to qualify.
  • Anti-theft discount. To qualify, your car must have anti-theft devices like GPS tracking systems or car alarms.
  • Auto-pay discount. You must sign up for auto-pay to qualify.
  • Bundling discount. You must bundle your auto insurance policy with another type of insurance at Amica to qualify, such as home insurance. Find affordable home and auto insurance bundles.
  • Defensive driving discount. You must successfully complete an approved defensive driving course to qualify.
  • Electronic stability discount. Your car must have electronic stability control to qualify.
  • Forward-collision warning discount. Your car must have a forward-collision warning to qualify.
  • Good student discount. You must be a full-time student, younger than 25, and have a B average or higher to qualify.
  • Homeownership discount. You must own a home to qualify.
  • Loyalty discount. You must have been a customer for at least two years to qualify.
  • Multi-car discount. You must have two or more cars insured at Amica to qualify.
  • Paid-in-full discount. You must pay your annual rates in full to qualify.
  • Paperless discount. To qualify, you must sign up to have all your bills and account information sent paperlessly.
  • Parent loyalty discount. You must be under 30, and your parents must have been Amica customers for at least five years to qualify.
  • Passive restraints discount. Your car must have passive restraints, including seatbelts, to qualify.
  • Student-away discount. To qualify, you must be a full-time student away from home without a car.
  • Young driver training discount. You must complete a driver-accredited training program and be under 21 to qualify.

Amica has a great selection of car insurance discounts, although its website doesn’t specify the amount saved for each discount. The only way to know for sure is to compare Amica car insurance quotes.

How amica mutual insurance company Ranks Among Providers

Amica Mutual Insurance Company ranks favorably among insurance providers, earning praise for its superior customer service and claims handling. Forbes ranked Amica as the eighth-best auto insurance company based on customer feedback and service performance. (read our “Amica Mutual Insurance Company Review” for more information)

J.D. Power’s 2022 customer satisfaction study further reinforced Amica’s standing by ranking it as the top company in the New England region, with an impressive overall score of 862 out of 1,000. Amica has consistently secured the top position in the New England region for ten consecutive years.

While some customer complaints exist, Amica’s complaint index from the National Association of Insurance Commissioners is lower than the national median, indicating generally positive customer experiences. Additionally, Amica maintains a superior financial strength rating of A+ from A.M. Best, emphasizing its financial stability.

Overall, Amica’s high rankings reflect its commitment to excellent customer service and strong financial standing within the insurance industry.

Read more: New England Insurance Company Review

Amica Insurance Ratings and Reviews

Before you sign up with a company, it is vital to research its ratings and reviews from trustworthy sources. 

Customer service ratings will give you an idea of how well a company handles customers’ complaints and concerns, while financial ratings will give you an idea of how financially stable a company is. 

Amica’s Customer Service 

In 2022, Forbes ranked Amica as eighth among the best auto insurance companies based on feedback from customers and customer service performance. J.D. Power’s 2022 customer satisfaction study also ranked Amica as the best company in the New England region, with an overall score of 862 (out of 1,000 points). 

Amica has won the top position for ten years straight in the New England region, which consists of the states of Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island, and Vermont. 

These are great rankings and show that Amica has excellent customer service. Since your auto insurance company is the company you are dealing with on a regular basis, good customer service is essential. 

Amica’s Handling of Claims 

In addition to customer service, it is also important that a company has good rankings for how it handles customers’ auto insurance claims. A company that handles claims promptly is desirable over companies with poor reviews concerning claims. 

J.D. Power’s 2022 Auto Claims Satisfaction Study ranked Amica as number one for customer satisfaction with claims. Amica scored 903 out of 1,000, which is an excellent rating. 

J.D. Power’s study was based on responses from a total of 8,239 customers who filed a claim within the last six months before the survey, so Amica’s score is based on very recent reviews. 

Amica’s Customer Complaints 

We’ve already covered quite a bit of ground with Amica’s reviews and ratings, all of which point to excellent customer service and claims handling. However, we also want to make sure that we aren’t eliminating any negative reviews that Amica may have, as we want to give you the whole picture of Amica in our review. 

According to the Better Business Bureau (BBB), Amica had a total of 104 complaints closed within the last three years and 42 complaints closed within the last six months. The National Association of Insurance Commissioners (NAIC) gave Amica a complaint index of 0.91 in its latest 2021 report, which is lower than the national median of 1.0. 

Therefore, while Amica has some negative reviews and complaints like any other insurance company, it scored well on the NAIC and didn’t have many complaints listed on the BBB. 

Amica’s A.M. Best Rating 

So far, Amica’s customer service reviews, claims handling, and complaints have all looked great. However, another important aspect to consider is Amica’s financial health. The last thing you want to do is sign up with a company at risk of going under. 

Luckily, A.M. Best, a trustworthy financial reviewer, gave Amica a score of A+, which means it has superior financial strength. This rating isn’t new either, as Amica has received an A.M. Best rating of A+ for the past several years. 

Therefore, Amica is in great financial standing, which should give customers peace of mind when they file claims or sign up for a policy. 

Frequently Asked Questions

What types of coverages does Amica Auto Insurance offer?

Amica offers a range of auto insurance coverages, including essential ones like liability, collision, and comprehensive. Additionally, they provide add-on coverages such as roadside assistance and rental reimbursement.

How can I contact Amica for more information or assistance with my insurance policy?

You can contact Amica through various channels, including their website, where you can chat with a representative or fill out a contact form. Additionally, you can reach them by phone, visit a local office, or send mail.

What sets Amica apart from other auto insurance companies?

Amica is known for its exceptional customer service and high customer satisfaction ratings. They have received positive reviews for claims handling and were ranked as the best company in the New England region by J.D. Power’s customer satisfaction study.

How does Amica Auto Insurance handle claims, and what do customer reviews indicate?

Amica has received positive feedback for its claims handling, ranking first in J.D. Power’s Auto Claims Satisfaction Study. This indicates a high level of customer satisfaction with the way Amica handles claims. Additionally, reviews from sources like Forbes and the Better Business Bureau suggest overall positive customer experiences.

What discounts does Amica offer for auto insurance policies?

Amica provides a variety of discounts to help policyholders save on their premiums. While the exact savings for each discount may not be specified on their website, it’s recommended to obtain quotes to determine the potential cost savings. Some common discounts include safe driver discounts, multi-policy discounts, and good student discounts.

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Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for amica mutual insurance company

4.22 (768 reviews)
2
June 24, 2022

mandafae

Good coverage, bad customer service

I was with Amica for over 13 years. I had one accident in that time, and, while my coverage was great, customer service was generally unhelpful. I'm trying to resolve an issue (that their poor customer service caused) now that my policy has been cancelled, and customer service is even worse. I've been told I'll receive call-backs and haven't received them, and agents are completely unwilling to even try to help. I haven't made many calls to them ...
I was with Amica for over 13 years. I had one accident in that time, and, while my coverage was great, customer service was generally unhelpful. I'm trying to resolve an issue (that their poor customer service caused) now that my policy has been cancelled, and customer service is even worse. I've been told I'll receive call-backs and haven't received them, and agents are completely unwilling to even try to help. I haven't made many calls to them in the last 13 years, but they always seemed like they couldn't get off the phone fast enough unless they were trying to sell me something.
1
January 11, 2022

Rnbowens_

Discussed and Hurt

We have been a loyal customer of Amica auto insurance for at least 13 yrs. Our First and only claim happened in Dec 2021. The accident happened out of state so we are made arrangements to get our personal belongings ($1800+). And some sentimental items out of the vehicle. On at least 3 separate calls the Amica representatives told my wife not to go because of the distance and they will send a Rep to the vehicle and everything in the trunk and ins...
We have been a loyal customer of Amica auto insurance for at least 13 yrs. Our First and only claim happened in Dec 2021. The accident happened out of state so we are made arrangements to get our personal belongings ($1800+). And some sentimental items out of the vehicle. On at least 3 separate calls the Amica representatives told my wife not to go because of the distance and they will send a Rep to the vehicle and everything in the trunk and inside the vehicle will be placed in boxes and mailed to us. They assured us that they have done this for customers for years and we had nothing to worry about and we will be getting our belongings. Well one month later we got an envelope with 5 minor items. We have been lied to over and over and have taken another major lost. We are beyond discussed and hurt.
1
October 1, 2021

ACustomer

Reprehensible, criminal practices

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 ensured 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 cu...
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 ensured 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 ensuring 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.
2
August 9, 2021

Dale549

Don't trust Amica to give you good rates.

In Nov. of 2020 I received a notice of cancellation on my Home Owners and Umbrella policy. Both these policies were on auto pay from a bank that I have had an account with for more than 30 years. The account never has a balance less than $70,000. To date Amica has not been able to explain how this happened. In July of this year I decided I had better make a complete review of all my accounts to see what what going on. I found that my new Jee...
In Nov. of 2020 I received a notice of cancellation on my Home Owners and Umbrella policy. Both these policies were on auto pay from a bank that I have had an account with for more than 30 years. The account never has a balance less than $70,000. To date Amica has not been able to explain how this happened. In July of this year I decided I had better make a complete review of all my accounts to see what what going on. I found that my new Jeep was showing a load from some outfit in NC. I live in KS and purchased and paid cash for the vehicle. Again no explanation from the agent as to how this happened. I also found that when Amica changed their policies from 12 months to 6 months they increased the premium on one of my vehicles 54%. Since the other vehicle was new I could not make a direct comparison but noticed that it was 16% higher than what I was paying for the 3 vehicles previously on the policy plus that was with 3 drivers on the policy. All conversations with the agent about these issues net no explanation as to why these this were happening. Brief shopping around with other reputable insurance companies resulted in annual policy savings in the $3,000 and $4,000 range. I would not consider Amica to be a reputable insurance company an proves the point that you should check rates with other companies regularly. You can't trust any of them, let alone Amica.
5
January 5, 2021

dreammmm123

great service

They were the best price by far but also the most comprehensive. The coverage was better at a lower rate. The agents were wonderfully personal and responsive.
3
January 2, 2021

Jacjyyyyyy

positive stuff

nothing out of the ordinary just the usual stuff but I would recommend them anyway because I kinda liked them
4
December 16, 2020

KDPlazed123

Review of Amica

The overall customer experience with the insurance has been fantastic overall, as I was able to come my claims and issues with the my vehicle.
5
October 17, 2020

Basketref

Great Company

Awesome company, great prices, and customer service are great. I have always received great service and the people are very friendly and understand me all the time.
5
October 4, 2020

shanjoybud

Amica is a great company...

I have had only great experiences with Amica. Their customer service was excellent and they helped me right away after I had my car accident, giving me a rental car without question of fault. Very affordable, even for full coverage. They've been an awesome insurance company to have for my vehicle, and as soon as I start driving again, I'll be sure to call them first!
5
October 2, 2020

loochiesimba

customer service

great customer serice and easy to work with. Talked to someone over the phone and they couldn't be more knowledgable or friendly
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