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Amica insurance review 2025

Updated Apr 01, 2025
  • At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have 9 licensed insurance agents on staff who have spent a combined 78 years in the insurance industry. While we adhere to strict ,this post may contain references to products from our partners. Here's an explanation of .Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our .

At a glance

bankrate awards logo

Best auto insurance company overall (tie) and Best for customer experience

4.6
Rating: 4.6 stars out of 5
Bankrate Score
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Auto

Rating: 4.4 stars out of 5

4.4

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Home

Rating: 4.7 stars out of 5

4.7

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Bankrate's take

Policyholders who value excellent customer service and robust coverage options but don’t mind paying more for homeowners insurance might consider Amica their company of choice.

  • Consistently high customer service and claims satisfaction scores with J.D. Power
  • Higher than average auto insurance rates
  • Various additional insurance products available
  • Some policyholders may qualify for dividend payouts
  • Has HO-3 and HO-5 homeowners policy options available
  • Not available in Hawaii
  • Does not offer guaranteed acceptance life insurance policies

Amica car insurance review

Amica car insurance earned a Bankrate Score of 4.6 out of 5.0 and tied for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. Based on our assessment, Amica could be an excellent choice for drivers looking for comprehensive coverage options. In addition to the standard coverage types you would expect to find with any carrier, Amica also offers roadside assistance, gap insurance, glass coverage and rental reimbursement. Some drivers may also want accident forgiveness (also called Good Driving Rewards in some states) to help protect against a surcharge in case they’re involved in an at-fault accident.

Drivers who want robust protection may find Amica’s Platinum Choice Auto package especially appealing. Here, you’ll find glass repair or replacement without a deductible, credit monitoring services, new car replacement coverage and rental coverage with no daily limit in one package. Amica car insurance policies are highly customizable, as the company allows shoppers to add these options à la carte if they don’t want to buy the Platinum Choice Auto package as a whole.

Amica car insurance is available in every state except for Hawaii. Drivers interested in getting a quote from Amica can visit its website at amica.com or call an agent directly at 1-800-242-6422. Note that online car insurance quotes are unavailable in Louisiana. Residents of this state must call to speak with an agent.

Pros and cons of Amica car insurance

When you’re looking for the best car insurance company to meet your needs, it can be helpful to make a list of pros and cons. Every driver needs something different in their auto insurance, and creating a visual may help you find the company that stands apart from the rest.

Green circle with a checkmark inside

Pros

  • Accident forgiveness available in some states
  • Amica will pay replacement cost value if your new vehicle is declared a total loss within the first 180 to 365 days of ownership
  • Robust coverage options offered
Red circle with an X inside

Cons

  • Online car insurance quotes are unavailable in Louisiana and no coverage is offered in Hawaii
  • Higher than average full coverage car insurance rates
  • No rideshare coverage available
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Amica car insurance cost

Using proprietary data provided by Quadrant Information Services, Bankrate tracks rate trends to find the cheapest car insurance companies available. According to our research, the average cost of car insurance in 2024 for a full coverage policy is $2,678 per year. A minimum coverage policy is $799 per year. For comparison, Amica car insurance averages $3,869 and $1,242, for full and minimum coverage, respectively. Although you may be paying more or less than the average based on your personal rating factors, this information might be a helpful touchstone when comparing car insurance quotes.

How much is Amica car insurance?

Auto insurance companies use several rating factors to calculate your premium, and your driving history is one of the most significant. However, companies give different weights to each type of incident. For instance, as demonstrated in the tables, you’ll typically pay more for your car insurance if you have an at-fault accident or a speeding ticket.

It’s important to mention that not all carriers will offer a policy to drivers with serious convictions on their record, such as a DUI. For more information on Amica’s DUI rates or if DUIs are accepted, please get in touch with a licensed agent directly.

Good driver, good credit
Amica full coverage premium
$3,869
National full coverage premium
$2,678
Amica full coverage premium
$8,815
National full coverage premium
$4,708
Amica full coverage premium
$4,774
National full coverage premium
$3,270
Amica full coverage premium
$4,504
National full coverage premium
$3,857
Amica full coverage premium
$9,696
National full coverage premium
$5,182
*All rates displayed are average annual rates.

Amica car insurance quotes by age

In every state except for Hawaii and Massachusetts, your age will affect how much you pay for car insurance. Generally speaking, younger drivers pay the most for car insurance because of their increased risk of car accidents. Not only are young drivers more likely to be involved in an accident, but their accidents tend to be more severe. According to the Insurance Institute for Highway Safety, the fatal crash rate is nearly three times higher for 16- to 19-year-olds than for drivers ages 20 or above.

However, young drivers looking for cheap car insurance may want to know that they could pay less when listed on their parents’ policy instead of purchasing a policy on their own. Each insurance company rates young drivers differently, so getting several free online car insurance quotes can help you find the best rate. The tables below show the average premiums young drivers may expect to pay, broken down by coverage type and how the young driver is covered.

Amica full coverage premium
$7,628
National full coverage premium
$5,757
Amica full coverage premium
$7,127
National full coverage premium
$4,968
Amica full coverage premium
$8,862
National full coverage premium
$5,458
Amica full coverage premium
$4,838
National full coverage premium
$3,308
Amica full coverage premium
$3,998
National full coverage premium
$2,862
*All rates displayed are average annual rates. Rates are based on our good driver profile, with 16- and 18-year-old drivers added to their parents’ policy.

Compare Amica car insurance rates

Car insurance rates vary by state, driver and company. While Amica usually has rates that are above the national average, this might not be the case for all drivers.

$3,869
$1,242
$2,846
$914
$2,385
$747
$3,312
$939
$2,059
$594
*All rates displayed are average annual rates.
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Answering a few quick questions to check your availability with Amica
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Amica home insurance review

Amica home insurance earned a Bankrate Score of 4.6 out of 5 and ranked as one of the best home insurance companies for its robust coverage options. To determine Amica’s Bankrate Score, Bankrate’s insurance editorial team reviewed many of the same car insurance key metrics but tailored the metrics for home insurance. Amica home insurance offers robust coverage options and performed well in customer service, earning the second place spot in the J.D. Power 2023 U.S. Home Insurance Study. However, the company lost points in its Bankrate Score for having more expensive average premiums.

Amica offers both HO-3 and HO-5 home insurance products. Its Standard Choice package is an HO-3 policy type and may be ideal for those who only want basic coverage options with the option to purchase additional coverage. Additional coverage options include a 30 percent extended replacement cost for dwelling, personal property replacement coverage, water backup/sump overflow and special computer coverage for electronic devices.

Homeowners interested in an extensive home insurance policy can choose Amica’s Platinum Choice package, an HO-5 policy type that includes the additional options in its Standard Choice package as default, as well as credit card coverage, business property coverage, extended coverage for valuable items, loss assessment plan and increased limits for liability and medical payments coverage.

Pros and cons of Amica home insurance

When you compare home insurance quotes, you might find it helpful to consider the perks and drawbacks of each company. This information might streamline the shopping experience and help you find a carrier that meets your personalized needs.

Green circle with a checkmark inside

Pros

  • Policies are highly customizable
  • Ranked well for overall customer and claims satisfaction, per J.D. Power
  • A+ (Superior) AM Best financial strength rating
Red circle with an X inside

Cons

  • Not available in all states
  • Unable to make policy changes on the Amica mobile app
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Amica home insurance cost

We compiled and analyzed rate data provided by Quadrant Information Services and found that the average cost of home insurance for $300,000 in dwelling coverage is $2,242 as of March 2025. Amica home insurance, on the other hand, comes in at $1,383. It’s important to mention that your rate may vary depending on the age of your home, claims history and other rating factors. Homeowners can get a quote through Amica's website or contact the insurer directly over the phone.

$150K dwelling
Amica average premium
$848
National average premium
$1,356
$300K dwelling
Amica average premium
$1,383
National average premium
$2,242
$350K dwelling
Amica average premium
$1,529
National average premium
$2,508
$450K dwelling
Amica average premium
$1,833
National average premium
$3,039
$750K dwelling
Amica average premium
$2,735
National average premium
$4,345
*All rates displayed are average annual rates

Compare Amica homeowners insurance rates

Each insurance company uses its own replacement cost calculations and underwriting criteria to determine coverage amounts and set rates. It is common for quotes between carriers to vary.

$1,383
- $859
$2,002
- $240
$2,225
- $17
$1,242
- $1,000
$2,067
- $175
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Answering a few quick questions to check your availability with Amica

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Amica life insurance review

If you are in the market for the best life insurance, Amica may be worth considering. The company offers term life and whole life insurance. Whether you are getting married, welcoming a baby or planning for retirement, a life insurance policy from Amica may provide future financial protection for your loved ones. For a life insurance quote, you can get a quote online and submit a same-day application without the need to contact an agent.

Pros and cons of Amica life insurance

Life insurance is a complicated product, so comparing quotes to find cheap life insurance might seem tricky. Considering a company’s pros and cons can help.

Green circle with a checkmark inside

Pros

  • Cost of living provision on eligible term life policies may help your coverage keep up with inflation
  • Specialty products such as long-term care, disability income and second-to-die whole life available
  • Possible bundling discount with auto policy
Red circle with an X inside

Cons

  • No guaranteed acceptance life insurance policies offered
  • Life insurance product availability, features and riders may vary depending on your state
  • Amica life insurance is not rated by J.D. Power

Compare life insurance providers quickly and easily

See which provider is right for you.

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Compare Amica with other insurers

Amica insurance reviews may have left you wondering if this company will be a good fit. If this is the case, you might want to consider requesting quotes from the carriers below:

Badge Icon Featured

Amica

Amica
Rating: 4.6 stars out of 5
4.6
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Allstate

Allstate
Rating: 4.1 stars out of 5
4.1
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Erie

Erie
Rating: 4.2 stars out of 5
4.2
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OVERVIEW
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Allstate offers home, auto and term life insurance, as well as an extensive list of financial products for nearly every life event and need. Additionally, there are many ways to handle your insurance needs with Allstate, whether it be over the phone, online or in person at a local agency.
Read More
Erie might be a good place to start if you’re interested in saving on home insurance costs. Like Amica, this company also scores high for customer and claims satisfaction, according to J.D. Power.
Read More
STANDOUT FEATURES
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Dollar Icon
Multiple reward options
Online Reviews Icon
Strong mobile and online tools
Auto Car Icon
Teen driving training program
Lock Icon
Erie Rate Lock
Loan Icon
Policies include pet insurance
Car Guide Icon
Roadside assistance
AVG FULL COV. AUTO RATE
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$3,312 $2,191
J.D. POWER AUTO SCORE
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691/1000 733/1000
AVG HOME RATE
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$2,225 $1,728
J.D. POWER HOME SCORE
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665/1000 705/1000
AM BEST RATING
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A+(Superior) A+(Superior)
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Why you can trust Bankrate

Read our full methodology

The insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers the information they need to make educated decisions when shopping for a policy.

78

years of industry experience

9

licensed staff

34.5K

ZIP codes examined

120

carriers reviewed

Is Amica a good insurance company?

Here at Bankrate, we understand how important it is to research insurance companies before making the switch. That’s why our insurance editorial team (which includes licensed insurance agents) does the leg work for you by conducting exhaustive company reviews. Our goal is to give you the information you need to decide what company will provide you with the financial protection that makes the most sense for your circumstances.

Based on our research, Amica could be a good choice for many individuals. If you are looking for a company that places a high value on taking care of its policyholders, you may want to note that Amica earns a high ranking for customer satisfaction with J.D. Power for both auto and home insurance. Partly because of this factor, the company also was named a 2024 Bankrate Awards winner for Best Overall Auto Insurance Company (tie with Geico) and Best for Customer Experience (also for auto insurance).

What are real-life customers saying about Amica?

One way to decide if a company is right for you is by getting feedback from current customers. To help you with your search, we’ve sourced real-life takes from two popular online platforms: Reddit and Trustpilot. Users can voice their opinions and experiences with companies in both forums, but there are a few differences. Reddit allows other users to comment and respond to original posts, without much interference or regulation of content. Whereas Trustpilot verifies the company and the user and while readers can upvote useful reviews, they can not comment.

Reddit

For the most part, customers seem to agree that Amica offers excellent customer service and higher-than-average premiums for auto and home insurance. When users did complain about customer service, it was mostly directed to the claims department regarding a lack of communication.

Reddit User 1*
Apr 10, 2024
Amica claims
I am currently dealing with a not-at-fault accident claim with Amica. There have been terrible delays and a lack of professionalism. I am highly disappointed in how our claim is being handled. I have had Amica for 6 years but will probably switch back to USAA soon.
Reddit User 2*
Jan 24, 2024
Amica: Good service, but pricey
I've been in insurance for 25+ years and Amica consistently blows other companies away when it comes to customer satisfaction and retention surveys. I wish I could afford them!

Trustpilot

Amica has a 4.5 out of 5-star rating with Trustpilot and customers seem satisfied with the service they receive from both service and claims agents. Several reviewers mention how quickly their claims were handled and how patient agents are when answering questions.

Trustpilot User 1*
Aug 20, 2024
Amica: Great service and decent rates
This company has been insuring our homes and cars for almost 40 years, and they are fabulous - great service for any claims (we have had a handful of them) and prompt response to any questions, with quite decent rates.
Trustpilot User 2*
Aug 27, 2024
Amica customer service agents
Real people answer any questions we have. Not always the cheapest, but always the best value.

The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Amica company details

Whether you are a current customer or considering Amica for your insurance needs, here are the ways you can reach an Amica agent for assistance:

  • For auto or home sales, service and claims, call 1-800-242-6422
  • To reach a life insurance sales or service agent, call 1-800-619-6077
  • Roadside assistance: 1-866-286-9968
  • Payment address for auto or home insurance: PO Box 9128, Providence, RI, 02940-9128

State availability

For auto insurance, Amica is available in every state except Hawaii. For home insurance, Amica is available in most states except Alaska, Florida and Hawaii. California, Missouri and North Carolina do not have the option to participate in the home insurance dividend program. Amica life insurance is available in all states.

Amica tools and benefits

In addition to auto, home and life, Amica offers a variety of other coverage types, including:

  • Renters insurance: As a renter, this insurance provides coverage for personal belongings, liability and loss of use coverage.
  • Umbrella insurance: This policy provides additional liability coverage or extends the limits of your underlying policies, like your auto and home insurance policies, for additional financial protection.
  • RV and trailer insurance: Owning an RV is different from owning a personal car, and this policy is tailored to those specific needs.
  • Flood insurance: A standard homeowners policy does not cover floods. You may want to consider purchasing an NFIP flood policy through Amica for extra financial protection.
  • Home business coverage: Those who run their own business out of their home can find coverage for business equipment, like furniture, electronic equipment and supplies, as well as work-related liability for visitors or customers that come into their home.
  • Dividend home insurance policy: While the coverage is the same as Amica’s standard home policy, the dividend policy may return a portion of the paid premium to the policyholder, with average returns ranging from 5 to 20 percent of the annual premium. This could lower the overall cost of the home insurance policy, but returns are not guaranteed; the dividend policy is unavailable in all states and may be more expensive upfront.
  • Contractor Connection: A useful tool for homeowners who want access to licensed contractors for home renovation and remodeling projects. Amica monitors contractors for metrics such as work quality, estimates and timeliness and requires contractors to back projects with a workmanship warranty for five years.

Frequently asked questions about Amica Insurance

Methodology

Rates

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied: 

User Icon
40 year old
Single male and female driver
Logo for Brand name
2023 Toyota Camry
Primary vehicle
Credit Good Icon
Good credit score
Auto Insurance Guide Icon
Clean driving record
Briefcase Icon
Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings
 
30% Coverage & savings
 
20% Support
 
  • Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC). 
  • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
  • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

What policyholders are saying about Amica

CTA Amica has 24 reviews

Amica has 24 reviews

Dive into community reviews below and see what others think about Amica.

4.0 Star Icon
24 ratings
71% of consumers
recommend this insurer
Score breakdown
5 stars
50%
4 stars
21%
3 stars
17%
2 stars
4%
1 star
8%
Score by category
Overall rating 4.0 / 5
Original cost 3.7 / 5
Coverage 4.1 / 5
Customer Support 4.2 / 5
Verified Badge Icon How we got these ratings

In May 2024, Bankrate collaborated with market research firm SliceMR to survey over 1,500 insurance customers nationwide, asking policyholders to rate their insurer’s cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders’ policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.

Community Reviews

See what users like you are saying about Amica.
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Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
The best answer possible
Insurance Type
Auto
Score by category
Original cost 4 / 5
Customer Support 3 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
They had great rates, despite my credit and driving record
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
They know my name when they call they say Hi Monica. Not, can I speak to miss medrano
Insurance Type
Auto + Home
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
I have been with Amica for 24 years now and have had nothing but great experiences with them. The price keeps going up and is a little more expensive than I would like but the customer service is great and their coverages are great.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Whenever I have had to make a claim, the process is quick and easy and they always take great care of me.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
I like how good they are. They really look out with prices and overall help
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
The price
Insurance Type
Home
Score by category
Original cost 3 / 5
Customer Support 3 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
How does this insurer compare to insurance companies you’ve had in the past?
Don't know. They are very good.
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
I believe they provide the best protection. They might be a little more expensive than others.
Insurance Type
Auto + Home
Score by category
Original cost 4 / 5
Customer Support 5 / 5
Coverage 5 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Cost is lower than others
How does this insurer compare to insurance companies you’ve had in the past?
The old insurance company I joined suddenly raised the premium and moved to the current insurance company where the premium was a little cheaper
Insurance Type
Auto + Home
Score by category
Original cost 2 / 5
Customer Support 2 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
The are the best
How does this insurer compare to insurance companies you’ve had in the past?
They are great
Insurance Type
Auto
Score by category
Original cost 5 / 5
Customer Support 5 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Cheap prices
Name the number one reason that you’d recommend staying with this insurer and the number one reason that you’d consider leaving for a different company.
Cheap prices and affordable
Insurance Type
Auto
Score by category
Original cost 2 / 5
Customer Support 4 / 5
Coverage 3 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
Friends and family
Insurance Type
Home
Score by category
Original cost 4 / 5
Customer Support 4 / 5
Coverage 4 / 5
Anonymous Policyholder
August 20, 2024
What made you choose this insurer over others for your auto and/or home insurance?
No issues with them so far
How does this insurer compare to insurance companies you’ve had in the past?
They have better rates than others
Insurance Type
Auto + Home
Score by category
Original cost 3 / 5
Customer Support 5 / 5
Coverage 5 / 5
Written by
Shannon Martin
Bankrate Insurance Expert | Writer, Insurance
Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.
Edited by Editor II, Insurance