Amica Car Insurance Review for 2024 [See Their Cost & Ratings]

This Amica car insurance review emphasizes the company’s excellent track record for customer satisfaction and competitive pricing.

Formerly Amica Mutual, the company offers flexible coverage options and multiple discounts, including up to 20% for bundling home and auto insurance. Amica monthly car insurance rates start at $42.

Amica Mutual Car Insurance Rating

Rating Criteria
Overall Score	4.4
Business Reviews	4.5
Claim Processing	5
Company Reputation	4.5
Coverage Availability	5
Coverage Value	4.3
Customer Satisfaction	4.1
Digital Experience	4.5
Discounts Available	4.8
Insurance Cost	3.9
Plan Personalization	4.5
Policy Options	4.2
Savings Potential	4.2

As you take the time to understand your car insurance policy with Amica, you’ll discover what sets it apart. This review emphasizes Amica’s reliable service, user-friendly digital tools, and streamlined claims process, making it a smart choice for many drivers throughout the continental U.S.

See if you’re getting the best deal on car insurance by entering your ZIP code above.

Amica Car Insurance Rates by Age and Gender

Take a look at the table below to explore Amica car insurance rates by age and gender. Teens and young drivers pay more with Amica than older, more experienced drivers.

Amica Car Insurance Monthly Rates by Age, Gender, & Coverage Level

Scroll down to examine how driving records affect monthly premiums with Amica. Compare costs between minimum and complete coverage for various driving histories.

Auto accidents and DUIs have the biggest impact on Amica car insurance costs. Learn more about how auto insurance companies check driving records for tips on how to lower rates.

Amica Monthly Car Insurance Rates vs. The Competition

Amica auto insurance rates are competitively priced and in the middle range among major providers. For minimum coverage, Amica is cheaper than Allstate and Nationwide. Amica is also more affordable than Nationwide when it comes to full coverage.

Amica Car Insurance Monthly Rates vs. The Competition

Insurance Company	Minimum Coverage	Full Coverage
	$93	$185
	$85	$175
	$88	$180
	$97	$194
	$89	$177
	$104	$211
	$90	$180
	$82	$162
	$127	$240
	$114	$223

Amica’s average monthly car insurance payment positions it as a balanced option for those seeking reasonable rates with high-quality service.

Unlock Savings With Amica Car Insurance Discounts

The table outlines various discounts available through Amica car insurance. It includes the discount names, maximum savings percentages, and descriptions.

Amica Car Insurance Discounts

For example, a multi-policy car insurance discount offers up to 30% savings when you bundle auto insurance with other Amica policies. A multi-vehicle discount provides up to 25% off for insuring two or more vehicles on the same policy. You can also enjoy extra savings with discounts for safe drivers, loyal customers, students with good grades, and those who set up automatic payments.

Amica Car Insurance Full-Spectrum Review

Amica makes filing claims a piece of cake and as smooth as possible. You can file a claim anytime online, through a mobile app, or by phone. They will keep you abreast at all times, and their knowledgeable customer service staff will be happy to help where necessary to make sure everything goes well.

Amica Mutual Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 903 / 1,000 Above Avg. Satisfaction
	Score: A+ Great Business Practices
	Score: 85/100 Excellent Customer Feedback
	Score: 0.73 Fewer Complaints Than Avg.
	Score: A+ Superior Financial Strength

In addition, Amica has easy-to-use digital tools, such as a mobile app and online portal, to make managing insurance as simple as possible. Policyholders can pay bills, file claims, and access proof of insurance hassle-free from anywhere.

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Did you know the Amica app gives you information on your policies, payments and roadside assistance? Learn more: https://t.co/UxJj2o9BXR. pic.twitter.com/BSiRp3nh7S

— Amica Insurance (@Amica) November 1, 2023

Amica’s excellent record in customer satisfaction is evident from its high scores, where to find car insurance company reviews such as those from J.D. Power, which gave it 903 out of 1,000. Agencies like the BBB, Consumer Reports, and A.M. Best also rate it highly for its financial stability and customer feedback.

Amica’s Comprehensive Coverage Options

Amica provides a wide range of coverage options designed to meet the needs of different drivers. Amica has flexible plans that suit various budgets and preferences, whether you’re looking for minimal legal coverage or more extensive protection.

• Liability Coverage: Protects against damages to others in case of an accident.
• Collision Coverage: Covers repairs to your vehicle after an accident, regardless of fault.
• Comprehensive Coverage: Protects against non-collision events like theft, vandalism, or natural disasters.
• Roadside Assistance: Optional add-on for emergency services like towing and lockout assistance.
• Rental Car Reimbursement: This covers the cost of a rental vehicle while your car is being repaired.

With Amica, you’re in the driver’s seat when it comes to your coverage. Whether you’re after the essentials for straightforward protection or seeking more comprehensive coverage for that extra layer of peace of mind, Amica has your back. Their flexible plans allow you to tailor your protection to match your lifestyle perfectly, ensuring you find just the right fit.

With Amica, personalized service means that each driver gets support according to their needs, especially when it comes to selecting comprehensive car insurance. They make sure that ‘one size fits all’ is just a figure of speech, so you get precisely the protection you need.

Amica Car Insurance: Weighing the Benefits and Drawbacks

Amica is different from other car insurance providers because of its great customer service and flexible coverage options. Indeed, for many drivers, the company is reliable, but like any insurer, it has its strengths and weaknesses. Let’s explore these in detail.

Amica offers drivers seeking reliable car insurance products due to its exceptionally high customer satisfaction and strong financial health.

• Exceptional Service to Customers: Amica consistently receives high ratings in customer satisfaction, which makes it a very good choice for drivers who value personal service.
• Flexible Coverage Options: Amica gives drivers plenty of choices with its coverage plans, allowing them to pick options that fit their specific needs perfectly.
• Financial Stability: Amica boasts an A+ rating from A.M. Best and has therefore assured customers that it is financially strong and very capable of paying claims.

While Amica certainly offers great service, there are a couple of things to watch out for. These might make all the difference in whether it’s your best fit for budget and coverage needs.

• Higher Premiums: Although their service is among the best, Amica can charge a little higher than most other insurance providers. They may be out of the budget for economically-minded customers.
• Limited Discounts: Amica doesn’t offer as many discounts as some of its major competitors, which could make it harder for certain drivers to save as much as they’d like.

While Amica can provide an adequate option for drivers who value pleasing customer service along with variable coverage, drivers who are looking for additional ways of lowering car insurance rates or obtaining impressive discount options will find more options elsewhere.

Amica Car Insurance: A Well-Rounded Option for Reliable Coverage

In our Amica car insurance review, we explore top customer service rankings and a broad range of coverage options from term lengths to financial strength. Although their premium rates were not the cheapest among others, they have a number of digital features available to make handling claims so easy and insured does mostly satisfaction with high rate service.

It may not have the best rates or offer as many discounts to high-risk drivers though and some consumers are probably out there trying to figure out what affects a car insurance quote. It is still a solid insurer for safe, claim-free drivers who hold customer service in high regard.

Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes from local companies near you.