Amica insurance review 2024
-
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. 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
Score breakdown
Auto
4.6
Cost & ratings
4.5
Coverage
5.0
Support
4.2
Home
4.6
Cost & ratings
4.3
Coverage
5.0
Support
4.5
About Bankrate Score
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.
Best Auto Insurance Company Overall (Tie)
Amica was tied with Geico for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. The company earned the top ranking in both the J.D. Power 2023 U.S. Auto Claims Satisfaction Study and the 2023 U.S. Insurance Digital Experience Study in the category of service. This suggests that Amica places a high priority on its relationships with customers and works hard to ensure that claims are managed efficiently.
See why Amica wonBest for Customer Experience
Amica is known for providing its policyholders with quality customer service. The company also offers enhanced coverage options, allowing policyholders to customize their policy to fit their needs. This includes accident forgiveness, new car replacement and credit monitoring services.
See why Amica wonPros 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.
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
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
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 $2,458 per year. A minimum coverage policy is $678 per year. For comparison, Amica car insurance averages $2,917 and $736, 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
$2,917
|
National full coverage premium
$2,458
|
Amica full coverage premium
$7,741
|
National full coverage premium
$4,502
|
|
Amica full coverage premium
$3,584
|
National full coverage premium
$2,975
|
|
Amica full coverage premium
$3,473
|
National full coverage premium
$3,508
|
|
Amica full coverage premium
$8,366
|
National full coverage premium
$4,713
|
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
$5,790
|
National full coverage premium
$5,229
|
|
Amica full coverage premium
$5,343
|
National full coverage premium
$4,501
|
|
Amica full coverage premium
$6,610
|
National full coverage premium
$4,972
|
|
Amica full coverage premium
$3,590
|
National full coverage premium
$3,031
|
|
Amica full coverage premium
$3,016
|
National full coverage premium
$2,622
|
|
Amica full coverage premium
$2,917
|
National full coverage premium
$2,458
|
|
Amica full coverage premium
$2,773
|
National full coverage premium
$2,220
|
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.
|
|
|
---|---|---|
$2,917
|
$736
|
|
$3,060
|
$987
|
|
$2,418
|
$706
|
|
$3,081
|
$925
|
|
$1,992
|
$585
|
|
$1,934
|
$697
|
|
$2,688
|
$886
|
|
$1,996
|
$543
|
|
$2,127
|
$767
|
|
$1,775
|
$463
|
Amica customer satisfaction
Bankrate's insurance editorial team uses a few different metrics to measure an insurance company's customer satisfaction, including J.D. Power scores. This third-party rating company issues annual insurance company studies measuring companies' overall customer satisfaction along with claims satisfaction. J.D. Power uses a numerical ranking system by providing a “best of” score on a 1,000-point scale.
We also consider the scores from AM Best, a third-party company that rates insurance companies on their financial stability and creditworthiness. AM Best uses a standard letter system, with grades A through D.
Amica auto claims satisfaction
When it comes to auto customer satisfaction, Amica shines. After all, this is one of the reasons it tied for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. Although Amica was only included in the New England region of the J.D. Power 2024 U.S. Auto Insurance Study, it earned one of the top spots. It was also the number one insurance company for claims satisfaction in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.
Amica auto insurance customer complaints
Seeing how many customer complaints a company has can give you insight into how other customers perceive a company's service and product. We analyze data from the National Association of Insurance Commissioners (NAIC) Complaint Index. Here, the NAIC keeps track of how many complaints it gets regarding insurance companies and compares it to the overall average.
To understand this data, the average (or baseline) amount of complaints equates to an NAIC Complaint Index score of 1.0. A company with a higher score than 1.0 gets more complaints on average, and a score lower than 1.0 indicates fewer complaints. Amica consistently scores below the average.
In the event of a claim, it is vital to know that you are with a company stable enough to honor its financial responsibility.
Amica secured the top spot on J.D. Power’s U.S. Insurance Digital Experience Study for customer service but fell below average in terms of its shopping experience. However, Amica maintained its longstanding Superior rating with AM Best.
Amica car insurance discounts
Amica offers many discount opportunities that may help you save on your car insurance, including:
- Loyalty discount: Drivers who have been with any car insurer for at least two years may be eligible to earn this discount and may be eligible for further discounts if they have been insured with the same carrier for more years.
- Legacy discount: Drivers under 30 whose parents have had Amica auto insurance for at least five years may be able to earn this discount when they buy their own car insurance.
- Electronic stability control discount: If your car has electronic stability control to help you avoid accidents under wet and icy conditions, you might earn a discount.
- Forward-collision warning discount: Some cars are equipped with a monitoring system that will alert drivers when they’re too close to the vehicle in front of them. If your car has this feature, Amica may give you a discount.
- Homeownership discount: You could get a discount on your auto policy if you’re a homeowner, even if your home is insured elsewhere.
- Autopay discount: Customers who sign up for automatic payments could save on their car insurance premiums. Amica discount amounts and eligibility may vary, depending on where you live. For more information, you may want to request an insurance quote from Amica.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
Pros
- Policies are highly customizable
- Ranked well for overall customer and claims satisfaction, per J.D. Power
- A+ (Superior) AM Best financial strength rating
Cons
- Not available in all states
- Unable to make policy changes on the Amica mobile app
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 $2,304 as of November 2024. Amica home insurance, on the other hand, comes in at $1,876. 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
$1,155
|
National average premium
$1,406
|
$300K dwelling
|
Amica average premium
$1,876
|
National average premium
$2,304
|
$350K dwelling
|
Amica average premium
$2,071
|
National average premium
$2,571
|
$450K dwelling
|
Amica average premium
$2,473
|
National average premium
$3,118
|
$750K dwelling
|
Amica average premium
$3,684
|
National average premium
$4,549
|
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.
|
|
|
---|---|---|
$1,876
|
- $428 |
|
$1,984
|
- $320 |
|
$2,289
|
- $15 |
|
$1,451
|
- $853 |
|
$2,448
|
+ $144 |
|
$1,772
|
- $532 |
|
$3,567
|
+ $1,263 |
|
$1,698
|
- $606 |
|
$2,485
|
+ $181 |
|
$1,871
|
- $433 |
Amica customer satisfaction
Feeling confident in your choice of home insurer is just as important as your choice of auto carrier. Bankrate's insurance editorial team evaluates third-party rankings from J.D. Power to determine a carrier's customer satisfaction, and scores from AM to evaluate a company's financial stability and creditworthiness.
Amica homeowners claims satisfaction
As with auto, Amica home insurance ranked very highly for overall customer satisfaction in the J.D. Power 2023 U.S. Home Insurance Study. It secured second place in the 2024 U.S. Property Claims Satisfaction Study.
Amica home insurance customer complaints
As far as homeowners complaints go, Amica scores incredibly well, with reports well below average. With scores consistently below the 1.0 average, it indicates that policyholders may be happy with Amica's service on a regular basis.
Amica home insurance discounts
Amica might not be the cheapest home insurance company, but it does offer discounts that could offset its higher-than-average premiums, including:
- New/remodeled home credit: You may qualify to receive this discount if your home is new or remodeled.
- Claim-free discount: If you have had no claims within the past three years, you may qualify to add this discount to your policy.
- E-discount: If you go paperless and agree to receive your bills and policy documents via email, you could get a discount.
- Automatic detection device discount: You could save on your Amica home insurance if your home has a temperature monitoring system detectors for water or gas leaks.
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized home insurance quotes
Answering a few quick questions to check your availability with Amica
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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.
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
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
Amica life insurance riders
Information regarding Amica’s life insurance riders is a little sparse, but the company does list the following on its website:
- Terminal illness rider: This endorsement is included at no additional cost on both term and whole policies and may help you access some of your death benefits if you are diagnosed with a terminal illness.
- Conversion option: As long as you convert by your policy’s deadline, you may turn your term life policy into a whole life policy, no matter your health status, with the conversion option.
For a full list of Amica’s life insurance endorsement options, please contact the company.
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
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:
Featured
Amica
4.6
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.4Coverage 5.0Support 4.4 |
Allstate
4.1
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 3.8Coverage 4.5Support 4.0 |
Erie
4.2
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
Cost & ratings 4.6Coverage 3.9Support 3.8 |
---|---|---|
OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
|
||
Policyholders who value excellent customer service and robust coverage options, but don’t mind paying more for homeowners insurance, might consider Amica as their company of choice.
Read More
|
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
These features are some of the carrier’s most impressive
|
||
Various bunding opportunities
Loyalty discount available
Dividend policies available
|
Multiple reward options
Strong mobile and online tools
Teen driving training program
|
Erie Rate Lock
Policies include pet insurance
Roadside assistance
|
AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
|
||
$2,917 | $3,081 | $2,127 |
J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
|
||
909/1000 | 882/1000 | 893/1000 |
AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
|
||
$1,876 | $2,289 | $1,871 |
J.D. POWER HOME SCORE
J.D. Power’s Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
|
||
679/1000 | 631/1000 | 674/1000 |
AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
|
||
A+(Superior) | A+(Superior) | A+(Superior) |
Why you can trust Bankrate
Read our full methodologyOur insurance editorial team includes licensed agents with decades of combined experience, and we used our intimate knowledge of the industry to conduct this in-depth Amica insurance review.
46
years of industry expertise
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
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.
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.
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.
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
Bankrate utilizes Quadrant Information Services to analyze November 2024 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.
Auto
Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket, single at-fault accident and single DUI conviction.
Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Homeowners
Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:
- Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
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 highlight where they fall short.
-
Cost & ratings 50%
-
Coverage & savings 30%
-
Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 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 NAIC, were analyzed.
- 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 each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto and home 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 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
Amica has 24 reviews
Dive into community reviews below and see what others think about Amica.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
recommend this insurer
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.