2024 Amica Car Insurance Review

A reputable car insurance provider, Amica offers flexible policies, a wide range of discounts, and top-notch customer service.

The Amica Platinum Choice® plan offers valuable benefits such as new car replacement coverage, no-deductible glass coverage, and enhanced rental-car benefits with no daily limit.

Although Amica's rates are above average, customers in certain states may receive dividends that could reduce their annual premiums.

Amica car insurance pros and cons

Types of Amica car insurance

Amica provides auto insurance in 49 states and Washington, DC, but does not offer policies in Hawaii.

Basic coverage

If you're financing or leasing your car, a full coverage policy is usually necessary.

In most states, the minimum coverage for liability car insurance covers damages and expenses if you or someone else driving your car is found to be at fault in an accident.
Collision coverage: Pays to repair or replace your vehicle after an accident.
Comprehensive coverage includes payment for damages or losses not resulting from a collision, such as theft, weather damage, or hitting an animal.

Additional coverage

These policies are required in some states in addition to full coverage.

No-fault insurance, also known as personal injury protection (PIP), covers a range of expenses including medical bills, lost wages, child care, and even funeral costs.
Medical payments insurance: Protects you, your passengers, and pedestrians from financial burden due to medical bills, irrespective of fault.
If your car is totaled or stolen, gap insurance covers the difference between its actual cash value and the remaining balance on your loan or lease.
If you're involved in an accident with a driver who has minimal or no insurance, uninsured/underinsured motorist insurance will cover your repair and medical expenses.

Add-ons

Optional features offered by Amica.

Points earned through the Good Driving Rewards Program can be used for accident forgiveness or a vanishing deductible.
Amica offers a new car replacement policy that covers the cost of a brand-new vehicle if your car is stolen or totaled, as long as it is under one year old and has less than 15,000 miles on it.
Full glass coverage: Waves deductible for glass repairs or replacement
24/7 roadside assistance offers towing, flat tire assistance, jump-starting, door unlocking, and fuel delivery.
Transportation costs are covered if your car is totaled or requires repairs that are covered under your rental reimbursement policy.
The Platinum Choice® Auto policy offers a range of benefits, including new car replacement, glass repair or replacement, credit monitoring, and deluxe rental-car coverage with no daily limit.

Amica car insurance discounts

Not all discounts offered by Amica are available in every state, and some may not be combined.

Going at least three years without an at-fault accident can lower your rate.
Automatic payment: Get a discount for setting up automatic payments.
Completing an online defensive driving course sponsored by the National Safety Council can earn you a discount.
Students under 25 with a B average can save on full-time tuition.
Regardless of whether Amica is your home insurance provider, homeowners can still qualify for a discount.
Eligibility for Legacy Discount: If you are under 30 and your parents have had an auto policy with Amica for at least five years, you may be eligible for a legacy discount.
Discount for long-term customers: Amica may provide discounts to individuals who have been with any auto insurer for two years or more.
Bundle Amica auto, home, or life insurance policies and save up to 30%.
Discounts of up to 25% are available when two or more vehicles are insured on a single policy.
Paperless: Receive policy documents and bills electronically
Pay-in-full discount: Save by paying your annual premium upfront all at once.
Discounts available for vehicles equipped with safety features such as airbags, adaptive headlights, electronic stability control, and other safety enhancements.
Amica's insurance program offers discounts to drivers who exhibit safe driving habits.
If your policy has a driver who is at school without a car, you may be eligible for a discount.
Driver training discount for under-21 young drivers who complete the program.

Amica customer satisfaction

J.D. Power ranked Amica No. 1 in New England for customer satisfaction in its 2024 U.S. Auto Insurance Study and also placed first in the nationwide survey on the claims process.

The NAIC reports that Amica receives fewer complaints compared to other car insurance companies.

Amica Insurance received an A+ rating from the Better Business Bureau due to customer complaints and interactions.

The customer service line of Amica is accessible seven days a week, and its website features a chat function with both a virtual assistant and live representatives to respond to queries.

Other types of Amica insurance

Amica offers policies for:

Umbrella insurance
Condo insurance
Renters insurance
Flood insurance
Small business insurance
Pet insurance

How does Amica compare to other car insurance companies?

How does Amica compare to the top two players in the auto insurance industry?

Amica vs. Safeco

Amica and Safeco provide comparable coverage options, including rental reimbursement and 24/7 roadside assistance. However, only Amica offers gap insurance. When it comes to pricing, Amica's rates are higher than average, while Safeco does not provide average rate information online. If you prefer the ease of enrolling online, Amica is the better option as Safeco only sells policies through its network of independent agents.

While Amica and Safeco both have telematics programs that monitor driving habits, Amica claims its StreetSmart app can save users up to 20%, while Safeco boasts that its RightTrack program can reduce premiums by as much as 30%.

While Amica received top ratings for customer satisfaction, J.D. Power ranked Safeco below the industry average in the 2024 auto insurance study. Although Safeco scored above average for claims satisfaction, it was nowhere near as highly rated as Amica.

According to the NAIC, Safeco has a higher complaint rate than would be expected based on its market share.

Amica vs. Farmers Insurance

While Amica and Farmers both have higher rates than some competitors, they both provide widespread availability: Amica offers car insurance in 48 states, compared to Farmers' 42.

Despite trailing Amica in customer service, farmers have received an A+ from the Better Business Bureau and have fewer complaints than expected.

Although Farmers does not offer gap insurance, it provides several discounts that Amica does not, including those for military families.

How do I buy car insurance from Amica?

You can apply for Amica auto insurance either online or by calling 800-242-6422 during weekdays from 7 a.m. to 11 p.m. ET or weekends from 8 a.m. to 8 p.m. ET.

To obtain a rate quote for your car insurance, you will need to provide information about your vehicle, such as its make, model, year, and mileage, as well as details about your driving history. After customizing your coverage, limits, and deductibles, you will set up a payment method. You can then use the Amica mobile app to make payments, view your policy and insurance cards, request roadside assistance, and report and track claims.

Is Amica car insurance right for me?

If you're willing to pay more for superior service and customizable coverage, Amica is a great option. Its Platinum Choice plan includes new car replacement coverage, identity fraud monitoring, and full glass protection with no deductible.

Amica is one of our favorite homeowners and life insurance providers, and its bundling discount can save up to 30% off premiums, making it a top pick for price.

Shop for auto insurance

Why trust CNBC Select?

Our goal at CNBC Select is to deliver top-notch service journalism and in-depth consumer advice to our readers, enabling them to make well-informed decisions when it comes to their finances. Each car insurance review we publish is the result of thorough reporting by our team of expert writers and editors, who possess extensive knowledge of the car insurance industry. At CNBC Select, we take pride in our journalistic standards and ethics, and we ensure that all our content is created without any input from our commercial team or external third parties. We earn a commission from affiliate partners on many offers and links, but this does not affect the integrity of our reporting or our commitment to providing our readers with the best possible information.

Our methodology

CNBC Select evaluates auto insurance products based on several factors, including coverage options, average rates, accessibility, discounts, and customer satisfaction.

We utilize data from various sources, including the National Association of Insurance Commissioners' complaint index, Better Business Bureau ratings, A.M. Best's financial strength scores, J.D. Power surveys on insurance shopping, the claims process, the digital consumer experiences, and overall customer satisfaction.

The sources of auto insurance rates can include both the provider and state insurance departments.

Stay up to date with CNBC Select's comprehensive coverage of credit cards, banking, and money by following us on TikTok, Facebook, Instagram, and Twitter.