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.
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
.
Editorial integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
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.
At a glance
Best auto insurance company overall (tie) and Best for customer experience
4.6
Rating: 4.6 stars out of 5
Bankrate Score
Score breakdown
Auto
Rating: 4.4 stars out of 5
4.4
Cost & ratings
Rating: 4.17 stars out of 5
4.2
Coverage
Rating: 5 stars out of 5
5.0
Support
Rating: 4.2 stars out of 5
4.2
Home
Rating: 4.7 stars out of 5
4.7
Cost & ratings
Rating: 4.8 stars out of 5
4.8
Coverage
Rating: 5 stars out of 5
5.0
Support
Rating: 4.5 stars out of 5
4.5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
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
Auto
Avg. annual premium for full coverage
$3,795
Avg. annual premium for min coverage
$1,211
Home
Avg. annual premium for $300k dwelling coverage
$1,349
Amica car insurance review
Amica car insurance earned a Bankrate Score of 4.4 out of 5.0 and tied for Best Auto Insurance Company Overall in the 2025 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.
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
Rideshare coverage is limited
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 2025 for a full coverage policy is $2,685 per year. A minimum coverage policy is $800 per year. For comparison, Amica car insurance averages $3,795 and $1,211, 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.
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.
*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.
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.
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 2025 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 two insurance company for claims satisfaction in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study.
J.D. Power Auto Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 697 to 709.
End of interactive chart.
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.
NAIC Complaint Index for auto insurance
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.54 to 0.75.
End of interactive chart.
In the event of a claim, it is vital to know that you are with a company stable enough to honor its financial responsibility.
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.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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
Answering a few quick questions to check your availability with Amica
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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 third place spot in the J.D. Power 2024 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 $2,267 as of April 2025. Amica home insurance, on the other hand, comes in at $1,349. 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
$820
National average premium
$1,370
$300K dwelling
Amica average premium
$1,349
National average premium
$2,267
$350K dwelling
Amica average premium
$1,498
National average premium
$2,534
$450K dwelling
Amica average premium
$1,798
National average premium
$3,066
$750K dwelling
Amica average premium
$2,698
National average premium
$4,399
*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.
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 2024 U.S. Home Insurance Study. It secured second place in the 2025 U.S. Property Claims Satisfaction Study.
J.D. Power Property Claims Satisfaction Study
Bar chart with 2 bars.
J.D. Power Score
The chart has 1 X axis displaying categories.
The chart has 1 Y axis displaying values. Data ranges from 869 to 906.
End of interactive chart.
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.
NAIC Complaint Index home insurance product
Line chart with 3 data points.
The chart has 1 X axis displaying Year. Data ranges from 2022-01-01 00:00:00 to 2024-01-01 00:00:00.
The chart has 1 Y axis displaying Score. Data ranges from 0.23 to 0.37.
End of interactive chart.
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.
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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
Your information is kept secure5 digit Zip code is required
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
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.
22-24
25-34
35-44
45-54
55-59
60+
Please select age
The amount of coverage you need depends on many factors, including your age, income, mortgage and other debts and anticipated funeral expenses.
0-75,000
75,000-125,000
125,000-250,000
250,000-500,000
500,000-1,000,000
1,000,000+
Please select Coverage amount
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
Term 5 Years
Term 10 Years
Term 20 Years
Term 30 Years
Whole Life
Final Expense
Not Sure
Please select Policy type
Your information is secure5 digit Zip code is required
This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. The offers and clickable links that appear on this advertisement are from companies that compensate Homeinsurance.com LLC in different ways. The compensation received and other factors, such as your location, may impact what ads and links appear, and how, where, and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available to you as a consumer. We strive to keep our information accurate and up-to-date, but some information may not be current. Your actual offer terms from an advertiser may be different than the offer terms on this widget. All offers may be subject to additional terms and conditions of the advertiser.
This advertising widget is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate. HomeInsurance.com LLC services are only available in states where it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. 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 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
Rating: 4.6 stars out of 5
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
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
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
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.
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.
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.
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 2025 Bankrate Awards winner for best overall auto insurance company, best overall home insurance company (both tied with USAA) and best auto insurance company for customer experience.
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*
Nov 7, 2024
Competitive rates with Amica
I recently switched to Amica because they were actually the cheapest and had superior coverage (All peril policy vs named for home insurance for example or rental car coverage included by default for car insurance). The reality is everybody’s rates are going up because the insurance companies are making big losses and I expect that your rates will go up elsewhere as well. The best way to counter this is to keep shopping every year or so to see if your rates are competitive.
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.
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*
Mar 25, 2025
Lifelong Amica customer
I’ve had Amica insurance for over 50 years. In that time, I’ve had to have a claim settled three times and everything was done promptly. Whenever I call with a question, I am treated with respect and my problems are solved as soon as possible. I highly recommend this company. It’s been great for me.
Amica has always provided excellent service for all our insurance needs. Every interaction with Amica employees consistently demonstrates outstanding customer service with a high level of knowledge and experience.
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
Filing an insurance claim with Amica is straightforward, but you will need some basic information handy. For instance, if you’re filing a car insurance claim, it will ask for your policy number, the date of the accident and the other party’s details. In some cases, the company may ask for a copy of the police report (when applicable).
You can file a claim with Amica by:
Calling 1-800-242-6422 to report an auto or home claim
Amica is involved with many companies that support communities and individuals through its corporate responsibility programs. It partners with Mothers Against Drunk Driving (MADD) to promote safe driving habits and has donated $5.2 million to nonprofit organizations through grants and sponsorships. It accepts nominations for donations through its Amica Companies Foundation, which is specifically for nonprofits serving Rhode Island residents.
Amica employees are also encouraged to volunteer with paid time off and donation matches from the company.
The Automobile Mutual Insurance Company of America started in 1907 and is a Rhode Island-based company. Eventually, the acronym AMICA took its place.
Amica's website is somewhat sparse, and it doesn't include some of the informational elements that other larger companies have, such as an educational blog. It does feature a storm center with information for policyholders on how to prepare for and stay safe during floods, tornadoes and other natural disasters. You can make a payment and report claims via the website, and the company also has apps for iOS and Android devices that allow you to manage your policy online.
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze April 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:
40 year old
Single male and female driver
2023 Toyota Camry
Primary vehicle
Good credit score
Clean driving record
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
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.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.
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
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
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.
Rates
Bankrate utilizes Quadrant Information Services to analyze April 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
40 year old
Married male and female homeowners
2017 build year
Primary home
Good credit score
Clean claim history
Dwelling coverage
$300,000
Other structures coverage
$30,000
Personal property coverage
$150,000
Loss of use coverage
$60,000
Liability coverage
$500,000
Medical payment coverage
$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.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
Coverage E, Liability: $500,000
Coverage F, Medical Payments: $1,000
Rates were calculated based on the following insurance credit tiers assigned to our homeowners: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. The following states do not allow credit to be a factor in determining home insurance rates: California, Maryland, Massachusetts.
Rates were calculated based on the following insurance claims assigned to our homeowners: “fire ($80,000 in losses), liability ($31,000 in losses), theft ($5,000 in losses) and wind ($12,000 in losses).”
Rates were calculated based on the following build years for homes and assigned to our homeowners: 1959, 1982, 1992, 2010, 2017 (base) and 2020.
Rates were calculated based on the following deductible amounts: $1,000 (base), $1,500, $2,000 and $5,000.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating 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
50% Cost & ratings
30% Coverage & savings
30% Coverage & savings
20% Support
20% Support
Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average 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 each company’s discount options listed on its website.
Tier 3 (Support): To encompass the many ways a 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 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
Amica has 49 reviews
Dive into community reviews below and see what others think about Amica.
4.1
49
ratings
Star ranking and total number reflects the lifetime customer reviews received while this lender has been an advertiser on Bankrate.
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.
84% of consumers recommend this insurer
Score breakdown
5 stars
35%
4 stars
49%
3 stars
10%
2 stars
2%
1 star
4%
Score by category
Overall rating4.1 / 5
Original cost4.1 / 5
Coverage4.2 / 5
Customer Support4.5 / 5
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.
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They were recommended by family member
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
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 don’t want to stay with them
Insurance Type
Home
Score by category
Original cost2/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
My family all uses this insurer. It is very good compared to others, and not as pricy. The customer service are very helpful as well
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
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 love their services. I get prompt response when I have issues with my claims
Insurance Type
Home
Score by category
Original cost4/ 5
Customer Support4/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
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’ve been with Amica for years. Have never had a problem when submitting a claim. They are knowledgeable and efficient. They are however most likely more expensive than other companies. I stay with them because of the good experience had over the years. When I submitted a claim for damage to my car the process was quick and easy
Insurance Type
Auto + Home
Score by category
Original cost4/ 5
Customer Support5/ 5
Coverage5/ 5
Anonymous Policyholder
April 10, 2025
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.
Their rates fit my budget perfectly
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
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 like that they have 24/7 support
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
They made switching easy and hassle-free for me
Insurance Type
Auto
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
I haven't had any billing issues with them
Insurance Type
Home
Score by category
Original cost5/ 5
Customer Support5/ 5
Coverage4/ 5
Anonymous Policyholder
April 10, 2025
What made you choose this insurer over others for your auto and/or home insurance?
my agent was extremely helpful so I'd never leave them unless he goes to another insurance company
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.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU — the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict
editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories, except where prohibited by law for our mortgage, home equity and other home lending products. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range, can also impact how and where products appear on this site. While we strive to provide a wide range of offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
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.
Edited by
$2,192
