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Amica Car Insurance Review for 2025

UPDATED: Mar 7, 2025Fact Checked

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Cynthia Lanctot

Licensed Agent

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Licensed Agent

UPDATED: Mar 7, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Mar 7, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Mar 7, 2025Fact Checked
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Amica Insurance

Monthly Rate

$151

A.M. Best Rating:

A+

Complaint Level:

Low

Pros

  • Amica mobile app
  • Online quotes available
  • Multiple discounts
  • Unique coverage options, including Amica Platinum Choice
  • Offers accident forgiveness, GAP insurance, and rental reimbursement
  • Reimbursement of deductible if driver found not at fault

Cons

  • Insurance coverage options are not available in all 50 states
  • No rideshare, pay-per-mile, or usage-based insurance options
  • Limited office locations
Amica, also known as Automobile Mutual Insurance Company of America, was founded in 1907, making it the country’s oldest auto mutual insurer. Automobile, theft, and fire insurance were its first products, but the company has expanded and now offers a full suite of personal insurance policies.  Amica has high ratings for auto insurance claims and purchase process satisfaction, but this auto insurer also offers several unique discounts to help drivers save on their monthly rates. If you’re in the market for car insurance, take a look at our review of Amica car insurance. It could be a good fit for anyone looking for high-quality, affordable car insurance.  

Amica could be a good fit for any driver interested in minimum or full coverage, but younger drivers could benefit most from an Amica car insurance policy. Thanks to its unique discounts, such as legacy and young driver training discounts, drivers under the age of 30 years old could save significantly.

Additionally, since Amica offers multiple types of insurance coverage, even more savings can be earned by bundling two or more policies. 

If you want to buy Amica auto insurance, start comparing quotes from other companies to see if it’s the right match for you. Our free comparison tool below provides quotes from affordable auto insurance companies near you.

What You Should Know About Amica Mutual Insurance Company

Yes, Amica car insurance is good. The auto insurer has an A+ rating from A.M. Best and the Better Business Bureau (BBB). 

In 2022, J.D. Power included Amica in its U.S. Auto Claims Satisfaction Study, which surveys auto insurance customers who filed claims within the last six months. Amica is the highest-ranking auto insurer among the 18 rated in the study, with a customer satisfaction rating of 903, based on a 1,000-point scale, 

Additionally, Amica is ranked the highest in New England for the 10th consecutive year. It also ranked the third-highest among mid-size auto insurers in the J.D. Power 2022 U.S. Insurance Shopping Study, which surveys customers’ experiences throughout the auto insurance shopping and purchase process. 

In NAIC’s 2021 report, Amica received a score of 0.92 on the customer complaint index, which is below the national complaint index of 1.0. This decrease from the company’s 2020 score of 1.90 means fewer customer complaints have been received in the past year.

The Amica insurance reviews indicate that this is a solid insurance company from both a financial and customer service perspective.

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Amica Mutual Insurance Company Insurance Coverage Options

Amica offers the following car insurance coverage:

  • Bodily Injury Liability. Pays for medical bills, lost wages, pain and suffering, and funeral expenses for other drivers and passengers involved in an accident you caused. 
  • Property Damage. Pays for damage to vehicles and other property for others involved in an accident you caused.  
  • Uninsured/Underinsured Motorist Bodily Injury. Pays for your medical bills, lost wages, and other injury expenses resulting from an accident with an uninsured or underinsured driver. 
  • Uninsured/Underinsured Property Damage. Pays for vehicle damage resulting from an accident with an uninsured or underinsured driver. 
  • Medical Payments (MedPay). Assists with medical expenses for you and your passengers following an accident.
  • Personal Injury Protection (PIP). Pays for medical bills, lost wages, funeral expenses, and loss of services for you and your passengers following an accident.  
  • Collision. Collision insurance covers the cost of repairing or replacing your vehicle after it is damaged due to a collision with a vehicle or object, such as a tree or guardrail. 
  • Comprehensive. Comprehensive insurance covers the cost of repairing or replacing your vehicle after it is vandalized, stolen, or damaged by extreme weather, such as an earthquake, hurricane, or a fallen tree. 

Though it’s not required, many drivers choose to purchase a combination of liability, collision, and comprehensive coverage, which is referred to as full coverage car insurance.

How much car insurance do I need from Amica?

Part of your responsibility as a driver is determining how much car insurance you need. This means there are several things you need to consider to ensure you choose the right car insurance company and the right coverage.

Here’s what to consider when determining how much car insurance coverage to purchase:

  • Coverage options. Depending on your state, you’ll purchase the minimum required coverage, but additional coverage can offer you the financial protection you need.
  • Coverage amounts. Coverage amounts determine how much Amica will pay in the event of an accident, so you want to ensure you have enough coverage to keep you protected in any scenario.  
  • Cost of policy. Coverage types and limits factor into the cost of your policy, so you’ll want to confirm your rates and whether or not you can afford it. 
  • Deductible. If you opt for collision and/or comprehensive coverage, you’ll have to pay a deductible before insurance repairs or replaces your vehicles, so it is best to choose a deductible you can afford. 

Remember, Amica offers various discounts, so whether you choose to have minimum or full coverage, you may be able to catch a break on your premium. 

Amica Add-On Car Insurance Coverage Options

Amica offers the following add-on car insurance coverage options: 

  • Auto/Loan Lease Coverage. Also known as GAP insurance, it pays the difference between the vehicle’s value and the remaining amount owed on the loan or lease. Available to drivers with collision and comprehensive coverages and must be added within 30 days of the lease or purchase date. 
  • Full Glass Coverage. Pays for repair or replacement of your auto glass with no deductible. 
  • Roadside Assistance. Also known as towing and labor coverage, it pays for emergency roadside assistance, including towing, jump-start, gas delivery, and flat-tire change. 
  • Rental Reimbursement. Pays for the cost of a rental car, rideshare, taxis, buses, and trains following the loss of transportation resulting from an accident. 

If you buy any of these add-ons to supplement your Amica auto insurance policy, you will see your rates go up.

Amica Platinum Choice Auto

Amica Platinum Choice Auto offers drivers certain insurance coverages in a convenient package, which includes the following:

  • Credit and identity fraud monitoring. Monitors credit files and personal information to deliver timely alerts regarding any unusual activity.
  • New car replacement. Replaces a totaled vehicle with a new one if the vehicle is less than one year old with no more than 15,000 miles. 
  • Glass repair or replacement. Replaces or repairs auto glass without chagrin drivers a deductible. 
  • Prestige rental coverage. Covers the cost of a rental car similar to your damaged vehicle, up to $5,000, with no daily limit.

Each coverage option included in the Platinum Choice Auto package can be added to your policy as an individual add-on, but you will see a rate increase.

Does Amica offer any other special services?

Unfortunately, Amica lacks some of the programs you might find at other insurance companies. For example, Amica does not offer pay-per-mile insurance or a usage-based insurance program. 

Amica also does not offer rideshare insurance. If you drive for Uber, Lyft, or another rideshare service, you must purchase rideshare insurance from a different auto insurance company. 

Additional Insurance Products Offered by Amica

Amica offers the following insurance products in addition to auto insurance:  

  • Renters insurance
  • Home insurance
  • Condo insurance
  • Life insurance
  • Umbrella insurance
  • Wedding and event insurance
  • RV and travel trailer insurance
  • Boat insurance
  • Motorcycle insurance
  • Flood insurance
  • Pet insurance
  • Small business insurance

Remember, when purchasing multiple policies from Amica, drivers receive a bundling discount. 

Does Amica have a mobile app?

Customers can use the Amica mobile app to complete the following tasks: 

  • Manage bills and payments
  • File and track claims
  • View Amica policies
  • View insurance cards 
  • Request roadside assistance
  • Request paper copy of proof of insurance
  • Contact customer service

The Amica mobile app is available to both Apple and Android users. 

How to Pay for Amica Auto Insurance

Amica customers can pay for their car insurance using the following payment methods:

  • Checking account
  • Savings account
  • Debit card
  • Credit card

Payments can be made online, through the mobile app, by calling the Amica insurance phone number at 800-492-6422, or by mail at Amica Mutual Insurance, P.O. Box 9128, Providence, RI 02940-9128.

Amica offers customers four different payment plans for their car insurance:

  • Monthly. Pay your premium in monthly installments. 
  • Quarterly. Pay your premium in four installments.
  • Semiannually. Pay your premium in two installments.
  • Full payment. Pay your premium in one installment.

If you choose to pay for your premium in more than one installment, you can sign up for Autopay and avoid installment fees, which vary by state. The payment will be automatically deducted from your preferred payment method on the due date. 

Once you purchase your car insurance policy from Amica, you can create an online account, where you can complete the following tasks:

  • Update personal information
  • Manage payments
  • View and print Amica car insurance ID cards
  • E-sign Amica documents
  • File and track claims
  • Upload and view Amica claim documents

Customer service is also available to assist with the tasks mentioned above. 

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How to Contact Amica 

Amica customer service can be reached the following ways:

  • Live Chat
  • Online contact form
  • Phone at 800-242-6422
  • Mail at Amica Mutual Insurance Company, PO Box 9128, Providence, RI 02940-9128

Customers can also contact a local Amica office for assistance. To locate the nearest Amica office, visit the website and enter the city and state or ZIP code. 

How to File an Amica Insurance Claim

Following an accident, customers can file claims online, through the mobile app, or by phone at 800-242-6422. 

Here’s what information you need to file a claim with Amica: 

  • Names and addresses of involved drivers, passengers, and witnesses
  • Location of accident
  • Make, model, and license plate numbers of vehicles involved

Once the claim is filed, Amica will investigate the accident and determine who was at fault. Customers who pay a deductible can potentially get reimbursed if found not at fault. Additionally, any payments issued on claims can be sent electronically or by mail within two days of Amica receiving all requested information and documentation. 

Amica will request drivers get an estimate or appraisal for minor damage and send it in for review. However, for severe damage, Amica will assign an appraiser to come and inspect the vehicle and determine the cost of repairs. Drivers can then have their vehicle repaired by the shop of their choice. 

If it is determined the cost of repair is higher than the appraiser’s value, they will reinspect the vehicle and write a supplemental appraisal. Payments will be sent directly to your repair shop if the shop is part of the Auto Repair Assistance Program.

Customers with questions or concerns regarding the claims process can log into their online account and track their claims or contact customer service. 

How To Get Amica Auto Insurance Quotes

Interested in a car insurance quote from Amica? You can visit the Amica website or contact customer service by phone at 800-492-6422 to get a quote.

The following information is required to receive a quote from Amica: 

  • Name
  • Address
  • Contact information (phone and email address)
  • Date of Birth
  • Vehicle information (make, model, year)

After you enter the information and answer a few questions, you’ll be presented with your insurance quote. If you wish, you can adjust coverages to better fit your needs. Once you determine the cost of an Amica car insurance policy, you can decide if you want to move forward with your purchase. 

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Amica Mutual Insurance Company Insurance Rates Breakdown

Auto insurance rates vary between car insurance companies due to many factors, including the driver’s gender, age, location, type of vehicle, and more. 

We compared Amica car insurance rates to other providers based on various driver profiles to help you better understand what you could pay and how things such as age and driving record can impact your rates.

Factors Impacting Amica Auto Insurance Rates

Insurance companies require customers to submit certain information when purchasing car insurance.

Amica uses the following to determine if a driver can be insured and calculate their insurance rates:

  • Age. The older the driver, the more experienced they are with driving, meaning they are less likely to file a claim.  
  • Gender. Female drivers are less likely to file claims compared to male drivers.
  • Vehicle. Vehicle year, make, model, safety features, previous ownership, and repair costs. 
  • Mileage. Drivers with low annual mileage are less likely to cause an accident because they do not get behind the wheel often.  
  • Credit score. Credit score predicts the likelihood of a driver filing a claim, so a high score means a driver is safe and probably won’t be involved in an accident. 
  • Location. Most states have a minimum coverage amount drivers must carry, but vandalism, theft, accident rates, vehicle storage location, and type of area (urban or rural) are also important. 
  • Driving record. Driving records include details regarding years of experience, traffic violations, and accidents.
  • Coverage type. Type of auto insurance coverage, coverage limits, and deductible amount. 

Rating systems vary, so it is common for these factors to impact your premiums differently depending on the car insurance company. 

Compare Amica auto insurance to local companies in your area to see which offers you the best rates. Scroll down to start comparing Amica car insurance rates.

Amica Auto Insurance Rates By State

Here’s how Amica’s car insurance rates compare to its competitors by state. 

Full Coverage Auto Insurance Monthly Rates by State

StateRates
Alaska$103
Alabama$105
Arkansas$116
Arizona$112
California$140
Colorado$115
Connecticut$123
District of Columbia$129
Delaware$156
Florida$142
Georgia$132
Hawaii$83
Iowa$86
Idaho$77
Illinois$92
Indiana$92
Kansas$111
Kentucky$145
Louisiana$173
Massachusetts$101
Maryland$129
Maine$80
Michigan$238
Minnesota$124
Missouri$102
Mississippi$105
Montana$107
North Carolina$86
North Dakota$124
Nebraska$104
New Hampshire$86
New Jersey$138
New Mexico$105
Nevada$114
New York$138
Ohio$82
Oklahoma$118
Oregon$102
Pennsylvania$112
Rhode Island$143
South Carolina$117
South Dakota$109
Tennessee$102
Texas$133
Utah$96
Virginia$81
Vermont$93
Washington$80
Wisconsin$94
West Virginia$116
Wyoming$104

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Each state has minimum insurance requirements, meaning location will impact car insurance rates. 

How much is minimum coverage with Amica?

Here’s what drivers can expect to pay for minimum coverage with Amica, which includes bodily injury and property damage coverage. 

Minimum Coverage Rates for Top Auto Insurance Companies

Insurance CompanyAverage Minimum Coverage RatesAverage Full Coverage Rates
Allstate TablePress Logo$99.83$252.03
American Family TablePress Logo$72.03$184.52
Farmers Insurance TablePress Logo$102.92$258.08
Geico TablePress Logo$52.26$135.34
Liberty Mutual TablePress Logo$114.65$284.26
Nationwide TablePress Logo$73.00$184.39
Progressive TablePress Logo$92.46$236.36
State Farm TablePress Logo$52.32$129.86
Travelers Insurance TablePress Logo$90.09$228.95
U.S. Average$83.29$210.42

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Since the state minimum insurance requirements vary, location can impact the cost of minimum coverage with Amica and other auto insurance companies. 

How much is full coverage with Amica?

With any insurance company, including Amica, drivers can expect to pay more for full coverage than they would for minimum coverage. 

Average Monthly Full Coverage Rates for the Top Auto Insurance Companies

Insurance CompanyAverage Full Coverage Rates
Geico TablePress Logo$80
State Farm TablePress Logo$86
Travelers Insurance TablePress Logo$99
Progressive TablePress Logo$105
Nationwide TablePress Logo$115
American Family TablePress Logo$116
Farmers Insurance TablePress Logo$138
Allstate TablePress Logo$160
Liberty Mutual TablePress Logo$173
National Average$119

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Although full coverage is not required, it offers added protection that can keep drivers safe financially in the event of an accident. 

Amica Auto Insurance Rates for Teen Drivers

Below are Amica’s rates for teen drivers. 

Average Monthly Full Coverage Teenage Auto Insurance Rates for the Top Insurance Companies

Insurance Company16-Year-Old Male With a Clean Record16-Year-Old Female With a Clean Record18-Year-Old Male with a Clean Record18-Year-Old Female with a Clean Record
Geico$312$298$254$220
State Farm$349$311$284$229
Nationwide$476$411$387$303
American Family$480$390$390$288
Allstate$638$608$519$448
Farmers$742$778$603$573
Liberty Mutual$778$716$633$528
Progressive$814$801$662$591
Travelers$897$709$729$523
National Average$610$558$496$411

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Teen driver car insurance rates tend to be higher than any other demographic due to their inexperience. 

Amica Auto Insurance Rates for Adult Drivers

Young adult drivers who choose Amica will often see lower rates than teen drivers because they have gained experience. Young adult drivers have access to certain discounts with Amica. So even though their rates aren’t as low as adult drivers, they can still save on their monthly rates.

Similar to young adults, adult drivers often have several years of driving experience, making them less likely to file a claim. As a result, their rates are lower than rates for teen and young adult drivers. 

Full Coverage Auto Insurance Monthly Rates by Age & Gender

Insurance CompanyAge: 17 FemaleAge: 17 MaleAge: 25 FemaleAge: 25 MaleAge: 35 FemaleAge: 35 MaleAge: 60 FemaleAge: 60 Male
Allstate$519$448$177$168$160$162$152$153
American Family$390$288$129$109$110$109$104$103
Farmers$603$573$160$154$133$134$126$127
Geico$254$220$87$90$80$80$76$76
Liberty Mutual$633$528$198$173$172$170$163$161
Nationwide$387$303$139$127$115$113$109$107
Progressive$662$591$136$131$195$112$100$106
Travelers$729$523$106$98$97$96$92$87
U.S. Average$496$411$137$127$118$118$112$109

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Most drivers see this decrease in car insurance rates around age 25. 

Amica Auto Insurance Rates for Senior Drivers

Below are Amica’s rates for senior drivers. 

Average Monthly Full Coverage Auto Insurance Rates for Senior Drivers

Insurance Company60-Year-Old Male With a Clean Record60-Year-Old Female With a Clean Record65-Year-Old Male With a Clean Record65-Year-Old Female With a Clean Record
Geico$74$73$78$78
State Farm$76$76$84$84
Travelers$89$88$95$94
Progressive$95$92$103$109
American Family$99$98$108$106
Nationwide$104$99$112$111
Farmers$123$115$130$131
Allstate$154$150$157$158
Liberty Mutual$158$147$169$166
National Average$108$104$115$115

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Although senior drivers have many years of experience on the road, they can be seen as risky to insure, so rates can be higher than adult drivers. 

Amica Auto Insurance Rates After a Speeding Ticket

Here are Amica’s rates for drivers after a speeding ticket. 

Average Monthly Auto Insurance Rates for the Top Insurance Companies for Drivers with a Traffic Ticket

Insurance CompanyRates with a TicketRates with a Clean Record
State Farm TablePress Logo$108$91
Geico TablePress Logo$132$82
Travelers Insurance TablePress Logo$144$107
Nationwide TablePress Logo$156$120
American Family TablePress Logo$180$116
Progressive TablePress Logo$192$109
Farmers Insurance TablePress Logo$204$140
Allstate TablePress Logo$228$166
Liberty Mutual TablePress Logo$240$177
National Average$156$123

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Speeding can cause an accident, so when a driver receives a speeding ticket, they can be viewed as an unsafe, reckless driver. 

Amica Auto Insurance Rates After an Accident 

A car accident can have a similar impact on car insurance rates as a speeding ticket because it can signal to the insurance company that you are not a safe driver. 

Average Monthly Rates for the Top Insurance Companies for Drivers with an Accident

Insurance CompanyRates with an Accident
Allstate TablePress Logo$237
American Family$166
Farmers Insurance TablePress Logo$198
Geico TablePress Logo$132
Liberty Mutual TablePress Logo$236
Nationwide TablePress Logo$165
Progressive TablePress Logo$190
State Farm TablePress Logo$107
Travelers Insurance TablePress Logo$157
Average$176

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Typically, an accident can stay on a driver’s record and impact car insurance rates for at least three years. 

Amica Auto Insurance Rates After a DUI

Here are Amica’s rates for drivers after a DUI. 

4788-Rates-for-Top-10-Auto-Insurance-Companies-for-Drivers-with-a-DUI-created-72922-2022-08-29.csv

Insurance CompanyRates with a DUI
Allstate TablePress Logo$303
American Family TablePress Logo$177
Farmers Insurance TablePress Logo$191
Geico TablePress Logo$213
Liberty Mutual TablePress Logo$325
Nationwide TablePress Logo$252
Progressive TablePress Logo$146
State Farm TablePress Logo$124
Travelers Insurance TablePress Logo$230
Average$218

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Since a DUI is another type of violation, it can increase your monthly auto insurance rates.  

Amica Auto Insurance Rates for Drivers with Poor Credit

A driver with a poor or bad credit score is more likely to file a claim than a driver with good or excellent credit. With a higher likelihood of filing a claim, these drivers are seen as risky to insure, so they pay higher rates for car insurance.

Full Coverage Auto Insurance Monthly Rates by Credit Score

Insurance CompanyPoor CreditFair CreditGood Credit
Geico$148$100$82
Nationwide$165$132$120
Travelers$194$127$107
State Farm$200$117$90
American Family$203$136$116
Progressive$206$137$109
Farmers$269$161$139
Allstate$296$196$166
Liberty Mutual$357$226$176
Average$226$148$123

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Drivers who improve their credit scores may see lower rates upon renewal. 

Amica Mutual Insurance Company Discounts Available

Amica offers drivers the following discounts to help lower their insurance rates:

  • Bundling. Customers who buy multiple Amica policies can save up to 30%. 
  • Paid in full. Earn a discount for paying your premium in one payment. 
  • AutoPay. Earn a discount for automatically paying your premium using your preferred payment method.
  • Paperless. Earn a discount for receiving your Amica bills and documents electronically. 
  • Multi-car. Customers who own two or more cars that are insured with Amica can save up to 25%.
  • Loyalty. Customers who stay with Amica for at least years see lower rates. 
  • Homeownership. Available to customers who own a home.
  • Young driver training. Drivers younger than 21 can earn a discount for completing an accredited driver training program. 
  • Good student. Earn a discount for full-time high school or college students between ages 15 and 25 with a B average or higher listed on your auto policy. 
  • Student away at school. Earn a discount for having a full-time student who is away at school on your auto policy. 
  • Legacy. Earn a discount for children younger than 30 whose parents have had an Amica policy for at least five years.  
  • Accident-free. Earn a discount for going three years without filing a claim. 
  • Defensive driver training. Earn a discount for completing a driver safety course. 
  • Anti-theft. Earn a discount for insuring a vehicle with anti-theft devices. 
  • Electronic stability control. Earn a discount for insuring a vehicle with electronic stability control.
  • Passive restraints. Earn a discount for insuring a vehicle with passive restraints, such as airbags. 
  • Forward-collision warning. Earn a discount for insuring a vehicle with a collision-avoidance feature. 
  • Adaptive headlights. Earn a discount for insuring a vehicle with adaptive headlights. 

Depending on the state, not all discounts are available. 

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Frequently Asked Questions

Is Amica expensive?

Amica’s rates vary based on several factors, so all drivers will pay different rates. However, Amica auto insurance offers multiple discounts that can lower your auto insurance rates to something more affordable.

Is Amica better than GEICO?

The cost of insurance from Amica and GEICO varies based on different factors, but Amica has higher claims satisfaction and offers more of a variety of discounts than GEICO.

Is Amica worth the money?

Yes, Amica is worth the money because of the variety of unique discounts and coverage options available to its customers.

Who owns Amica?

Amica Mutual Insurance Company owns Amica Auto Insurance, but as a mutual insurance company, it is owned by the policyholders. 

What does Amica stand for?

Amica is also known as Automobile Mutual Insurance Company of America. 

What information do I need to file a claim with Amica?

To file a claim with Amica, customers must provide the following information: 

 

  • Names and addresses of involved drivers, passengers, and witnesses
  • Location of accident
  • Make, model, and license plate numbers of vehicles involved

 

Once the claim is filed, it can be tracked online from the driver’s Amica account.

How can customers contact Amica?

Amica customer service can be reached via

 

  • Live Chat
  • Online contact form
  • Phone at 800-242-6422
  • Mail at Amica Mutual Insurance Company, P.O. Box 9128, Providence, RI 02940-9128

 

Customers can also contact a local Amica office for assistance

Does Amica offer payment plans for car insurance?

Amica offers customers four payment plans for their car insurance:

 

  • Monthly. Pay your premium in monthly installments. 
  • Quarterly. Pay your premium in four installments.
  • Semiannually. Pay your premium in two installments.
  • Full payment. Pay your premium in one installment.

 

Customers who opt for one full payment can earn a discount.

What is Amica Platinum Choice?

Amica Platinum Choice Auto is a package that offers drivers certain insurance coverages, including:

 

  • Credit and identity fraud monitoring. Monitors credit files and personal information to deliver timely alerts regarding any unusual activity.
  • New car replacement. Replaces a totaled vehicle with a new one if the vehicle is less than one year old with no more than 15,000 miles. 
  • Glass repair or replacement. Replaces or repairs auto glass without chagrin drivers a deductible. 
  • Prestige rental coverage. Covers the cost of a rental car similar to your damaged vehicle, up to $5,000, with no daily limit.

 

Each coverage option included in the Platinum Choice Auto package can be added to your policy as an individual add-on.

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Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

Cynthia Lanctot

Licensed Agent

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

Licensed Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Amica Mutual Insurance Company

4.22 (768 reviews)
5
September 20, 2018

Junebird3

Best Auto insurance

Excellent customer service and great prices. I have compared pricing many times over years and no one can beat them.
5
September 15, 2018

Asillym

Awesome insurance provider

Great provider, easy to reach and very helpful and informative. Friendly, communicative and proactive staff!
4
September 11, 2018

jgarcia1996

great price

this is insurance company is great. they are very good.they have great prices compared to others. great coverage
5
September 10, 2018

LoneStarCoverage

Amica is a great insurance company!

Amica has been a great insurance company. We have bundled Auto and Home Insurance with them the past 3 years. Great service and offerings.
4
September 10, 2018

aaaaa

Tricky to navigate, but good customer service

Great customer service, although it was tricky determining the coverage that we needed. Other than that, we have been happy we switched to Amica.
5
August 24, 2018

Statace

Great Customer Service

Over the years my autos have been involved in 4 incidents in which others were at fault. AMICA stood behind me and assured that the other driver's insurance company adequately repaired my vehicle. AMICA goes the extra mile for it's customers. Thanks for the great customer service AMICA!
5
August 23, 2018

LynnD

$ back

I have had this company since I started driving - my parents also used it. I have never had a problem with them - they pay a claim promptly, always available to answer questions, and I get a dividend check from them at the end of my policy year! Love them!
4
August 18, 2018

NJHUYJJJH

Customer satisfaction ratings

Customer satisfaction ratings for Amica are generally top-notch Amica has fewer consumer complaints than the industry median relative to its size Amica’s auto insurance includes several free perks most insurers don’t, such as free lock and air bag replacement
5
August 15, 2018

JenR8382

Amazing!

They are amazing... love that I have a direct person to talk to and don't have to deal with operators. Highly recommend them!
5
August 15, 2018

greeneats

Great service!

I had a great experience with Amica. I was in a bad, multi-car accident and they took care of everything. After just one phone call they were able to resolve everything, and only followed up to make sure I was healing up. Great customer service.
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