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Amica Auto Insurance -
Amica Homeowners Insurance
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Amica Life Insurance
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Amica Renters Insurance
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Amica Pet Insurance
Amica Auto Insurance Review
Amica was founded by A.T. Vigneron in 1907, making it the oldest automotive insurer in the US.
Amica ranks #4 in J.D. Power's auto claims satisfaction survey. It scores 895 points on a 1,000-point scale, above the industry average of 880.
Amica Insurance has a wide array of discount opportunities so that you can save on your premiums. It also offers multiple student discounts and vehicle safety discounts. Like most carriers, Amica provides discounts for bundling your auto insurance with other insurance products.
Most auto insurers offer four primary coverage types: comprehensive, collision, liability (required by most states), and full coverage. Your lender may require comprehensive and collision coverage if you lease and finance your car.
Amica auto insurance features and discounts
- Loyalty discount — Receive a discount if you've had an auto insurance policy with any carrier for at least two years.
- Homeownership discount — Get a discount if you own a home.
- Multi-policy discount — Receive up to 30% off your policy when you combine your auto insurance with other insurance products.
- Multi-car discount — Get up to 25% when you insure two or more cars.
- Young driver training discount — Receive a discount if you're under 21 and have completed an approved driver training program.
- Good student discount — Get a discount if you are a high school or college student, age 15 to 25, with a "B" average or higher.
- Student away at school discount — Receive a discount if you have a full-time student included on your policy, away at school, and left their car at home.
- Legacy discount — Get a discount if you're under 30 and have parents on an auto policy with Amica for at least 5 years.
- Accident-free discount — Recieve a discount if you've been claim-free for three years.
- Defensive driver training discount — Get a discount if you've taken an approved driver safety course.
- Anti-theft — Get a discount for installing your vehicle with anti-theft devices
- Electronic stability control — Receive a discount if your vehicle has electronic stability control.
- Passive restraints — Get a discount if your vehicle is equipped with passive restraints like airbags.
- Forward-collision warning — Receive a discount if your car has collision avoidance.
- Adaptive headlights — Get a discount if your car has adaptive headlights.
- Pay in full discount — Recieve a discount if you pay your entire policy upfront.
- Autopay — Get a discount if you enroll in autopay.
- Paperless discount — Get a discount when you sign up for electronic billing and e-delivery.
Amica auto insurance quotes
Compared to competitors, Amica's auto insurance rates are slightly more expensive for drivers age 30 with no previous accidents or traffic violations. Amica may be a costly option for many young drivers, based on the sample rates we gathered for 18-year-olds.
We gathered quotes for 30-year-old males and 18-year-old males living in Illinois with a 2018 Honda Civic EX. Your rate will vary based on your age, location, driving history, coverage type, coverage amount, and other factors.
| Driver profile | Amica annual premium | GEICO annual premium | Progressive annual premium |
| 30-year-old male, no accident, minimum coverage | $501 | $490 | $514 |
| 30-year-old male, no accident, full coverage | $979 | $928 | $788 |
| 30-year-old female, no accident, minimum coverage | $501 | $493 | $285 |
| 30-year-old female, no accident, full coverage | $979 | $906 | $547 |
| 18-year-old male, no accident, minimum coverage | $2,147 | $1,010 | $1,228 |
| 18-year-old male, no accident, full coverage | $4,019 | $1,889 | $2,434 |
| 18-year-old female, no accident, minimum coverage | $1,980 | $882 | $605 |
| 18-year-old female, no accident, full coverage | $3,705 | $1,641 | $1,267 |
Below are the coverage amounts we used to determine Amica's auto insurance rates.
| Type of coverage | Minimum coverage | Full coverage |
| Bodily injury liability | $25,000/$50,000 | $50,000/$100,000 |
| Uninsured motorist | $20,000 | $25,000 |
| Underinsured motorist | $25,000/$50,000 | $50,000/$100,000 |
| Medical payments | Not included | $1,000 |
| Comprehensive | Not included | $1,000 |
| Collision | Not included | $1,000 |
Amica Homeowners Insurance Review
Amica ranks No.1 on J.D. Power's homeowners insurance customer satisfaction survey. It ranks 854 points on a 1,000-point scale, which is above the segment average. Amica is also Insider's top pick for best homeowners insurance.
Amica offers homeowners, condo, and renters insurance. It also offers flood insurance. Amica gives customers home safety, loyalty, and bundling discounts and offers policies that pay dividends on payments you've made on your insurance. To obtain quotes for Amica's homeowners insurance, visit Amica's homeowners insurance website or call an Amica insurance representative.
Homeowners insurance protects your dwelling, personal belongings, and offers personal liability coverage for injuries that happen on your property.
Amica homeowners insurance discounts and features
- Loyalty discount — Receive a discount if you've had an auto insurance policy with any carrier for at least two years.
- Multi-policy discount — Receive up to 30% off your policy when you combine your auto insurance with other insurance products.
- Claim free discount — Recieve a discount if you've been claim-free for three years.
- Autopay — Get a discount if you enroll in autopay.
- Paperless discount — Get a discount when you sign up for electronic billing and e- delivery.
- Alarm system discount — Get a discount for a home with burglar alarms, sprinkler systems, or fire alarms.
- Automatic detection devices discount — Receive a discount if your home has a temperature monitoring system and if you have a water or gas leak detection system installed.
- New/remodeled home credit — Get credit for your new or remodeled home.
- Home insurance dividends — Amica offers a dividend policy to return a portion of the money to you that you've already paid towards your policy.
Amica Renters Insurance Review
Amica doesn't rank in J.D. Power's renters insurance customer satisfaction survey.
Amica offers discounts for bundling your renters and car policy. It offers additional savings for loyalty, autopay, and going paperless.
Renters insurance will cover your personal property in the event of damage and theft. Your landlord is responsible for insuring the building and structure. A renters insurance policy has three main parts: personal property coverage, personal liability coverage, and "loss of use" coverage.
Amica renters insurance discounts
- Loyalty discount — Receive a discount if you've had an auto insurance policy with any carrier for at least two years.
- Multi-policy discount — Receive up to 30% off your policy when you combine your auto insurance with other insurance products.
- Claim free discount — Recieve a discount if you've been claim-free for three years.
- Autopay — Get a discount if you enroll in autopay.
- Paperless discount — Get a discount when you sign up for electronic billing and e- delivery.
Amica renters insurance quotes
According to the Insurance Information Institute, the average annual premium for renters insurance is $179 or about $15 per month. Amica starts at $4 per week or $16 per month, making it a slightly pricier option for renters insurance customers. Amica is also price than its competitors — GEICO and Liberty Mutual.
| Amica | GEICO | Liberty Mutual |
Starts at $16 per month | Starts at $12 per month | Starts at $5 per month |
Amica Life Insurance Review
Amica life insurance didn't rank in J.D. Power's life insurance customer satisfaction survey.
Amica offers level term policies, where you can pick between 10 to 30 years, and premiums stay throughout your term. However, your rates may increase after your term is up. Amica also offers a whole life policy, where the rate stays the same throughout your life. It pays out a death benefit and accumulates cash value.
The two types of life insurance are permanent life and term life. Term life insurance will only cover a specific period. When your policy is up, you can reapply for coverage. However, premiums will most likely increase as you age.
Permanent life insurance never expires, has a death benefit for your beneficiaries, and a cash value you can use during your lifetime. Some financial advisors recommend a combination of term and permanent life insurance.
Amica life insurance features
- Level Term — A policy where you can select a 10, 15, 20, 25, or 30- year term with payments that stay the same throughout the entire period.
- Whole life - Type of permanent policy where rates stay the same throughout your life. It also accumulates cash value and pays out death benefits.
Amica life insurance quotes
Amica's life insurance is relatively inexpensive compared to State Farm and on par with Nationwide's life insurance rates. However, it is important to consider other aspects like customer satisfaction and coverage options in your cost.
We gathered quotes for 40-year-old males and females, non-smokers, purchasing a 30-year term, $250,000 policy.
| Life insurance | 40-year-old male, good health, non-smoker | 40-year-old female, good health, non-smoker |
| Amica | $36.08/month | $28.65/month |
| State Farm | $48.94/month | $37.42/month |
| Nationwide | $37.63/month | $30.63/month |
Amica Pet Insurance Review
Amica partners with Embrace Pet Insurance to offer customers accident and illness coverage, as well as accident-only coverage for their pets. Amica also covers curable pre-existing conditions if your pet is symptom and treatment-free for 12 consecutive months.
Pet insurance usually offers two types of coverage: accident-only and accident and illness coverage. Wellness plans are usually available for additional purchase.
Amica pet insurance features
- Nose-to-tail pet insurance — Covers your dog or cat's (non-routine) medical fees and reimburses you for 90% on your pet's bills.
- Accident only — Provides coverage for accidents and prescription medication to treat covered accident/illness (covers pets 15 and older).
- Covers curable conditions — Covers pre-existing conditions if your pet is symptom and treatment-free for 12 months.
Amica vs. Erie Insurance
| Amica | Erie Insurance | |
| Availability | Regional presence | Regional presence |
| Types of insurance offered | Auto, homeowners, life, pet, renters | Auto, homeowners, life, pet, renters |
| Auto insurance claim's satisfaction (out of 1,000) | 862 | 876 |
| Homeowners insurance customer satisfaction (out of 1,000) | 849 | 827 |
| Life insurance customer satisfaction (out of 1,000) | N/A | N/A |
| Financial Strength | A+ (Superior) | A+ (Superior) |
Amica, and Erie Insurance insurance are regional carriers that offer auto, homeowners, life, renter, and pet insurance. If you value good customer service in your homeowners insurance provider you might opt for Amica, if you value good customer service for auto insurance, you might opt for Erie insurance instead. However, both are excellent insurance providers for auto and homeowners insurance, so choosing one comes down to price.
Amica vs. American Family
| Amica | American Family Insurance | |
| Availability | Regional presence | Regional presence |
| Types of insurance offered | Auto, homeowners, life, pet, renters | Auto, homeowners, life, pet, renters |
| Auto insurance claim's satisfaction (out of 1,000) | 862 | 848 |
| Homeowners insurance customer satisfaction (out of 1,000) | 849 | 842 |
| Life insurance customer satisfaction (out of 1,000) | N/A | N/A |
| Financial Strength | A+ (Superior) | A (Excellent) |
Is Amica trustworthy?
Among all policy types, the NAIC Complaint Index shows that Amica has significantly more complaints compared to other top insurance companies. The National Association of Insurance Commissioners (NAIC) is an insurance regulatory organization that protects consumer interests. The complaint index compares a company's performance to other performance of other providers in the industry.
Amica's financial stability is fairly good, with an AM's Best rating of A (Excellent). AM's Best is a credit rating agency that assesses an insurance company's ability to pay claims to its policyholders. A company that receives an A++ to B+ is stable in financial strength, while anything lower than a B means that a company is unstable or unable to meet its financial obligations.
While Amica is a legitimate insurance provider, it's important to do your own research to ensure that Liberty Mutual is the right insurance company for you.
Amica Insurance FAQs
Amica auto insurance is available in all states except for Hawaii. Homeowners and renters insurance is available in all states except for Alaska and Hawaii. Life insurance is available in all states.
You get a quick quote from Amica's quoting tool. You can also call 800-242-6422 to get in touch with one of Amica's insurance agents.
You can make payments online — enrolling in autopay helps you avoid installment charges and you could get a discount for doing so. You can also make payments by phone by calling 800-492-6422, or by mail.
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Read our editorial standards.
Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.
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