Amica Auto Insurance Reviews

Who It’s Best For / Not For

Who Amica Is Best For:

• Drivers who place a high priority on customer and claims service

• Households that can benefit from bundling auto with home or other policies

• Drivers interested in adding optional coverage such as GAP, roadside assistance, rental reimbursement, and rideshare coverage

• Customers interested in the company's dividend-policy option

Who Should Consider Other Options

• Drivers specifically seeing the lowest available premium

• Customers who value easy access to a large network of local agents

• Drivers whose location doesn't qualify for a desired Amica coverage, discount, or dividend policy

• Shoppers who prefer a lower price over service and policy features

Key Facts

Amica Auto Insurance Reviews: Editorial Rating

Trusted Company Reviews Rating Score for Amica: 8.3

Amica earns an 8.3 review score using our strict review criteria. Its strongest scores come from reputation and financial strength, coverage and policy features, and customer satisfaction and claims experience. Pricing is the main factor holding its overall score down. 

The weighted scores produce an overall Amica Insurance rating of 8.3 out of a possible 10. 

What Makes Amica Different?

Amica's mutual ownership and dividend policies set it apart from many large auto insurers. Unlike a publicly traded insurance company, the policyholders, rather than only outside shareholders, have an ownership stake in the company. It offers both traditional policies and dividend policies, although availability of dividend-structured policies varies by state. States without available dividend policies include California, Florida, Hawaii, Massachusetts, Missouri, North Carolina, New Jersey, and Texas.

What is Amica's Dividend Policy: Information

Amica's dividend policy is optional in states where it's available, and when it's offered, customers can choose a traditional policy instead. A traditional policy generally features a lower upfront premium, while the dividend option costs more initially, but eligible policyholders receive some of their premium back when Amica declares a dividend.

• Potential return: Amica says dividends typically range from 5% to 20% of the annual premium. 

• Not guaranteed: Dividend amounts can vary from year to year, and Amica doesn't guarantee that a dividend will be paid.

• Higher upfront cost: Dividend policies generally have a higher premium than comparable traditional Amica policies.

• Traditional policies are available: In states where dividend policies are available, customers who don't want to pay the higher upfront premium can choose a non-dividend policy. 

• When dividends are paid: When available, dividends are generally paid at the end of the policy term, when customers renew their policy. For customers with six-month policies, that can mean potentially receiving a dividend every six months rather than once per year. 

Features and Benefits

Amica's strongest feature is the combination of a wide selection of auto coverage options and highly rated customer service. Customers can build a policy around standard liability and physical-damage protection, then add optional coverage depending on their vehicle and circumstances.

• Multiple coverage options include: collision, comprehensive, uninsured/underinsured motorist, roadside assistance, rental reimbursement, GAP coverage, glass coverage, rideshare and delivery coverage.

• StreetSmart: Amica's safe-driving program can provide qualifying drivers with a discount of up to 20%.

• Dividend policies: Eligible customers may receive part of their premium back when dividends are declared.

Amica also offers multiple discount options, which can vary by state. Savings may be available for multiple vehicles, bundling, accident-free driving, defensive-driving courses, good students, young-driver training, anti-theft equipment, AutoPay, paperless billing, and paying in full.

Pricing & Value

We found multiple current rate studies that suggest Amica's rates for full coverage generally cost between $1,600 and $3,200 per year, or about $135 to $265 per month, for drivers with relatively clean records. However, premiums can differ substantially based on location, age, driving history, vehicle, coverage selections, deductibles, and credit-based insurance information where allowed. 

While Amica doesn't necessarily rank as a cheap insurance provider, its strong claims satisfaction, multiple coverage options, and potential savings related to dividend returns often justify the price for some customers. 

Additionally, customers who can take advantage of bundling options, such as combining their auto coverage with homeowners, condo, renters, life, or umbrella policies, can save up to 30% according to the company. 

Is Amica Worth the Price? 

Amica's higher rates can be worth it for drivers who place a high value on customer service and coverage options, rather than just finding the lowest premium. Instead of heavily cutting prices, the company focuses on strong claims service and customer satisfaction. 

That said, customers can still mix and match coverage options and take advantage of bundling discounts to find lower pricing. Choosing a dividend policy can also translate to some savings. However, the amount depends on annual dividends and isn't a guarantee.

Amica Auto Insurance Reviews: Customer Reviews

Amica's customer feedback varies sharply by source, including a 4.5-star rating (79% = 5-stars) from Trustpilot, based on 7,200+ reviews, and a 1.47 rating from Better Business Bureau reviewers. However, the company is BBB-accredited and earns an A+ grade for its responsiveness to complaints. 

Common Complaints

The BBB reports more than 120 complaints during the previous three years. Many of which cite the following items as reasons for dissatisfaction. 

• Premium increases or dissatisfaction with renewal pricing

• Disputes involving claim handling or settlement outcomes

• Policy cancellation or underwriting decisions

• Billing, refunds, and administrative problems

Amica Alternatives

Choosing Amica can make sense for drivers who prioritize customer satisfaction and claims experience. However, if you want the lowest cost, a high-powered app or online convenience, or specific policy features, we recommend comparing alternatives, including companies in our overview of the best auto insurance providers.

• Travelers offers competitive pricing, multiple coverage options, and optional protections that add flexibility when building an auto policy.

• State Farm combines a large nationwide agent network with digital policy-management tools, giving customers access to both in-person service and online account management.

• GEICO offers competitive pricing and online convenience, with a robust app for getting quotes, managing policies, making payments, and handling claims.

• Nationwide offers broad coverage options and a substantial selection of discounts and policyholder benefits, including usage-based and pay-per-mile insurance programs.

• Progressive combines competitive pricing with extensive discounts, broad coverage options, and strong digital tools, including its Snapshot safe-driving program and Name Your Price shopping feature. 

• Farmers offers extensive coverage options, personalized service through local agents, and attractive home and auto bundling discounts that can help offset its higher standalone auto insurance premiums.

Amica Information and Data

Should You Choose Amica?

Amica makes the most sense for those seeking high-level service over simply choosing the lowest cost. 

• Consider Amica if: Customer service, claims satisfaction, coverage choices, and dividend-policy potential matter to you.

• Probably not if: Your main objective is finding the lowest available premium.