Amica Mutual Auto Insurance

by Nikola Djurkovic

Amica is based in Rhode Island, and it is the oldest mutual auto insurer in the US, founded all the way back in 1907. Since its inception, the company has extended its insurance business by offering home, renters, condo, and life coverage options as well. Amica presents itself as a very professional company that takes care of its customers and tries to inform them about the products they offer. Per our research, analysis, and other Amica insurance reviews, this company might be one of the best options on the market.

There’s nothing fancy about Amica—no celebrities employed in their commercials—and their website looks plain compared to the polished solutions of the competition. However, don’t let this lack of glitziness distract you from considering Amica as your car insurer. Instead, check out the rest of this review to find out if it’s the best choice for you.

Product Overview

Amica insurance is available in all 50 US states. The company has a relatively plain website, which is actually quite handy. It can be used to get information on insurance products, report and track a claim, and request a quote. A quote can be issued online, but it needs to be completed through an agent. Amica also has its mobile app, which can be used to view policy information, report claims, pay bills, and much more. The app is rated 2.5 stars on Google Play and in the App Store, indicating it’s not the finest insurance app available.

When it comes to the quality of the product offered, without further ado, we can say that Amica is among the best car insurance companies in the US. Amica has excellent discounts, great customer service, reasonable prices, and interesting additional coverage options.

Additionally, Amica auto insurance offers some perks for free that other companies charge extra for. These include free lock replacement in case of lost keys, free repair of the damaged glass if it doesn’t need to be replaced, free repair of a deployed airbag, lost wage reimbursement in case of a court appearance, and the amount of $1,000 reserved for bail bonds.

In some states, you may even get their new car replacement coverage for free if your vehicle is less than one year old. On top of that, Amica offers dividend policies that enable you to save even more on already competitive prices.

Signature Feature

All Amica insurance reviews praise their dividend policies, and we can see why. This policy covers the same items as a regular policy, but it refunds a portion of the funds already paid toward your car insurance. The amount for an average customer varies at 5%–20% annually. It may cost more at the start, but they’re a more profitable choice in the long run. Amica even lets you choose the dividend payment option that suits you best.

Financial Strength

Amica’s excellent customer service, good prices, and amazing discounts aren’t worth much if the company doesn’t have the financial operations to support their claims payments. Fortunately, the company has excellent financial stability despite the company’s small size (Amica is ranked 812th in 2017’s Fortune 500 list). The Amica insurance company rating awarded by A. M. Best is A+, which is the second-highest rating possible. This indicates that an average customer can purchase insurance through them without worry.

Types of Insurance Offered

When it comes to the types of insurance available, Amica offers all the basic coverage commonly found in the industry plus some useful additional coverage options. Some companies offer way more choices in this department; however, you’d have to live without Amica’s excellent customer service, great discounts, and solid prices if you choose to go this way.

The basic coverage includes collision, comprehensive, property damage liability, bodily injury liability, medical expenses, personal injury protection, and underinsured/uninsured motorist protection. More information can be found if you call the Amica customer service number, which is 800-242-6422. The extra coverage options are as follows:

Auto Glass Coverage – If your door glass or windshield is cracked, this coverage pays the expenses of a repair or a replacement. It is automatically included with the comprehensive coverage. You can also purchase Full Glass Coverage, which excludes any deductible for glass. Amica offers to direct you to their approved repair shops, which will provide a lifetime warranty on parts and work. If you don’t fancy this idea, you can even choose your shop and send the bill to the Amica insurance company for reimbursement.

Rental Car Reimbursement – If your car isn’t driveable after a covered accident, Amica will pay the expenses of a rental car while you wait for your vehicle to be repaired. The amount you will receive varies by state, but most policies pay $20 daily and up to $600 total. With Amica, you even have the option to purchase increased limits.

Prestige Rental Coverage – This is the best rental car reimbursement offered by Amica. You will get a car similar to the one you regularly drive, and the total limit will be $5,000, without any daily limit.

Platinum Choice Auto Coverage

This is the most extensive coverage that Amica auto insurance offers. The options bundled here can be bought separately as well. This coverage includes Full Glass Coverage, plus these coverage additions:

Accident Forgiveness – This functions a little bit differently compared to Amica’s competition. Good driving earns you Advantage Points, which you can use to lower or eliminate the potential increase in premium after an accident. Alternatively, you can use points to reduce or completely remove the deductible. Points are earned by good driving, renewing policies, and by referring others to Amica. You can track the points on the company’s website by using your Amica insurance login information to access your account.

Rental Car Coverage – If you are renting a vehicle for a vacation or a move, the rental car company will offer you auto insurance. However, Amica’s policies usually already provide coverage for a rental vehicle, or they offer an option to add this coverage easily. The best solution is to call Amica and see if you need to purchase extra coverage for a rental vehicle.

Identity Fraud Monitoring – This option is there to prevent the misuse of your personal information and to help you in case your identity gets stolen. Amica will track your credit files and personal information 24/7, you will be notified within 24 hours if suspicious activity is detected, and in case any setback occurs, Amica insurance will appoint a specialist to help you with the fraud.

Roadside Assistance Coverage – This optional coverage pays the cost of roadside repairs, a flat tire change, a battery jump-start, fuel/oil delivery, locksmith services, and towing in case your car breaks down. The roadside helpline operates 24/7, and you can call 866-286-9968 in case of an emergency. You can contact Amica’s roadside help—even if you didn’t purchase this coverage—and pay for the expenses afterward.

Customer Service

Amica insurance shines when it comes to customer service. The Amica insurance claims reviews through companies like J.D. Power are quite positive. In fact, Amica holds 4.5 out of 5 stars in their claims satisfaction study and 4 out of 5 stars in their insurance shopping rankings for 2018, being ranked near the top in both categories. Even in J.D. Power’s regional studies, Amica scores high and is ranked at the very top in New England (the company is not listed in other regions).

Amica Mutual is accredited on the Better Business Bureau website, and the Amica insurance reviews through the BBB show it having a rating of A+, which is a particularly high rating. The score per 60 customer reviews is 2 stars out of 5—however, this should not worry an average customer since none of the companies we tested scored well in customer reviews. This is simply because people are more likely to leave a review like this online if the experience was overwhelmingly negative.

Our overall impressions based on Amica auto insurance reviews and all other data analyzed is that Amica’s customer service is excellent. A few unsatisfied customers are inevitable for a company of its size; however, this should not distract you from the fact that Amica treats its customers well.

Additionally, the company has an excellent NAIC Ratio of 0.46, which indicates it does not receive many complaints. The average is 1, while competitors like Geico and Progressive scored 0.62 and 0.75, respectively. The lower the score, the fewer complaints the company receives.

There are many complaints on how Amica insurance claims were handled and how customers got their premium increased for no obvious reason. On the other hand, many people praised the claims handling and quote processing. Amica even scores better than the competition on websites like Yelp, where most insurance companies get abysmal reviews. The company has 2.5 stars average there, compared to 1.5 stars, which is standard for the industry.

Discounts

We were pleased to see the Amica car insurance reviews confirming how the company offers so many discounts that significantly reduce premiums—although none of the discounts are particularly unique. Nevertheless, given that the prices offered by Amica are low to start, these discounts come as a great bonus.

Loyalty Discount – If you’ve been with Amica for more than two years, you can get a discount. The more time you spend with the company, the higher the discount will be.

Multi-Line Discount – If you bundle auto insurance with home, condo, renters, life, or umbrella, you can save up to 15% on your premium.

Claim-Free Discount – If you had no claims other than glass or towing for the past three years, you can get a discount.

Multiple Auto – If you are insuring two or more vehicles with Amica auto insurance, you can save up to 25%.

Home Ownership – If you own a home, you can save on your car insurance. The house does not have to be insured with Amica.

Family Discount – If you are younger than 30 and your parents have had auto insurance with Amica for more than 5 years, you can get a discount.

Paid in Full – If you pay the entire premium before the due date of your first bill, you will get a discount.

AutoPay – If you select the automatic payment of your premium, you can get a discount.

E-discounts – If you decide to handle all the policy documents and bills electronically, you will receive a discount on your Amica auto insurance.

Anti-theft – This discount applies if your vehicle is equipped with an approved anti-theft device.

Electronic Stability – If your vehicle is equipped with an electronic stability control feature, a discount is available. This discount tends to be higher for pickups.

Passive Restraint – A discount is available if the insured vehicle is equipped with safety devices such as airbags.

Forward-Collision Warning – If the insured vehicle is equipped with a collision avoidance system, you will qualify for a discount.

Student Away at School – An interesting addition noted in some reviews on Amica insurance, this discount applies if a teen driver on a policy is studying more than 100 miles away from home without a car.

Adaptive Headlight – If your vehicle is equipped with headlights programmed to adapt to low light conditions/night-driving, you can get a discount.

Defensive Driver Training – You may also be eligible for a discount after completing an approved defensive driving course.

Driver Training – This discount is for young drivers who have completed an approved driver training course.

Good Student Discount – Full-time college and high school students aged 15 to 25 years that meet specific criteria, like having a GPA of 3.0 or higher or being on the Dean’s list, can get a discount based on their good school results.

About Insurance Rates

An Amica auto insurance rate comparison shows that the company offers very competitive prices while still not being among the cheapest options available. Progressive and Geico beat Amica when it comes to low premiums; however, Amica scores better overall when other insurance metrics are concerned.

When we requested a quote for a 21-year-old driver, 40-year-old driver, and 70-year-old driver, we found that Amica’s monthly premium was below average in all three categories. The premium was especially good for the 40-year-old and 70-year-old drivers. However, even though the Amica auto insurance quote was best for these two, we would also advise younger drivers check Amica out, since the company offers many discounts and a great car insurance experience overall.

Amica Mutual Insurance Compared with Top Competitors

Amica vs. Allstate

Amica is simply a better choice than Allstate when all parameters are analyzed. It has better prices for all but 70-year-old drivers (the difference in this case is minimal), significantly better customer service, and a much higher number of discounts. Plus there are dividend policies that can decrease your premium even further, and don’t forget the perks that Amica includes for free, like airbag replacement, that other companies charge extra for.

Allstate has the advantage over Amica car insurance in offering Guaranteed Claims Satisfaction, which give you a refund if you aren’t pleased with the way your claim was handled. However, the overall picture is quite clear: you can’t go wrong with Amica Mutual.

Amica vs. State Farm

Amica has significantly better prices than State Farm in all three of the groups we requested a quote for. Furthermore, Amica has much better customer service scores compared to State Farm. Additionally, Amica beats State Farm when it comes to discounts offered, while the companies are equal when their optional coverage is compared. All this data seems to entail that Amica Mutual is clearly a better choice. And we strongly agree. The company is not rated among the best in all Amica auto insurance reviews for no reason. It really is that good.

Amica vs. Travelers Insurance

Travelers has significantly better prices for younger drivers, while Amica offers better prices for older drivers, per our data. The prices for middle-aged drivers are almost the same. Given that Amica is the champion in the customer service department, it comes as no surprise that it ranks better than Travelers, which is average in this category.

Both companies offer a similar number of discounts and additional coverage options, while Amica offers some unique perks and dividend policies, which you’ll see mentioned in other Amica car insurance reviews. However, Travelers provides some of the best options for new car owners.

Given all the data, the choice between these two companies is not as clear-cut as with Amica’s other competitors. We can see why some specific driver categories would choose Travelers, but we still think that Amica is a slightly better choice overall.

Best Alternatives

Choosing an alternative to Amica usually means making a certain compromise. You can get better prices with Progressive and Geico; however, Amica car insurance scores better in the customer service department. Erie Insurance is a company that is rated excellent in many departments, but it’s only available in 13 states, and we were unable to get a quote online to verify the prices.

Auto Owners insurance also has excellent customer service; however, we were unable to confirm prices with this company as well. When looking for the best car insurance, you should definitely shop around and get a quote from a couple of different companies. We would undoubtedly include Amica among these companies.

Expert Thoughts

Amica insurance reviews give the company excellent ratings. It is ranked first out of 23 insurers in NerdWallet’s ranking of the best car insurance companies, with a score of 4.5 out of 5 stars for overall performance. ValuePenguin also raves about Amica’s quality, giving the company 4.5 stars out of 5. It cites excellent customer service and great rates for younger drivers as the company’s most significant advantages. We cannot fully get behind the second assessment, but we agree that Amica is an excellent choice for your car insurance.

Perhaps the biggest accomplishment of the Amica insurance company is its high ratings in J.D. Power’s customer service study, where the company is near the top in the rankings of all US insurance companies. Bad news travels fast, but good news spreads quickly too. And the good news is that Amica Mutual is among the best choices for your car insurance.

Frequently Asked Questions

1. Is Amica good insurance for cars?

Make no mistake, according to our analysis and other Amica insurance reviews the company offers one of the finest car insurance experiences in the US market. Amica has good prices, excellent customer service, many discounts, and solid extra coverage options. You can save even more by using dividend policies. We would always advise a potential customer to shop around and get a quote from a few insurance companies before choosing the right one. However, we would wholeheartedly recommend including Amica as one of them.

2. How do you receive Amica discounts?

Amica auto insurance offers many discounts that can really reduce the premium. For example, you can get a discount if you bundle homeowners and auto insurance, insure multiple vehicles, or complete a defensive driving course. You can look at the Discounts section of this review or call Amica’s customer service for more details.

3. What is Amica Insurance’s  A. M. Best rating?

Amica’s A. M. Best rating is A+, or “Superior,” which is the second-best rating possible. This, combined with the other positive Amica insurance reviews, indicates that there should be no worries about the company’s ability to pay claims.

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