score84Amica Mutual Auto Insurance Review: Quotes and Service (2024)
Updated: December 28, 2023
Advertising & Editorial Disclosure
score845/5
discounts
4/5
complaints
4/5
satisfaction
4.5/5
stability
3.4/5
affordability
pros
Cheap car insurance policies
Offers rare coverages like glass deductible modification and identity theft
Excellent range of discounts
cons
No rideshare insurance
Does not offer deductible modification or better car replacement
Verdict
Amica has above-average customer satisfaction and complaints ratings. It offers cheap policies for full or minimum coverage, when a driver has a speeding ticket and for teenagers or young drivers.
To further explore Amica and other insurers, visit MoneyGeek’s resources on the cheapest and best car insurance companies. You can also use MoneyGeek’s auto insurance company comparison tool to compare Amica with other insurers.
How Does Amica Mutual Rank for Customer Service?
MoneyGeek has created a list of the best car insurance companies based on industry sources such as AM Best, J.D. Power and the NAIC (National Association of Insurance Commissioners). However, Amica doesn’t quite earn a spot among the top 10 providers on this list. Despite this, Amica is still a strong choice for consumers who want low rates and an excellent customer service experience.
Customer Satisfaction Rating
First Notice of Loss:
5/5
Estimation of Process:
4/5
Repair Process:
5/5
Claims Servicing:
5/5
Rental Experience:
4/5
Settlement:
5/5
Based on data provided by J.D. Power, Amica earns a score of 860 out of 1,000 points. This is one of the highest scores among all insurers in the nation, and it indicates that Amica's customer satisfaction reputation is superior to the vast majority of competitors. These star ratings are also derived from J.D. Power's data, showing that Amica excels in several specific areas as well.
Customer Complaint Ratio
Amica received a customer complaint index score of 1.34 in NAIC’s 2019 report. The national median is 1.00, which means Amica received a slightly higher number of complaints than the national average.
Amica Mutual Auto Insurance Quotes: How Much Does it Cost?
MoneyGeek gathered quotes from Amica and other insurers in all 50 states and Washington, D.C., and calculated the average rates for sample drivers. In the five states that MoneyGeek has quote data on Amica, its policies are inexpensive, costing $1,262 on average per year.
Amica is cheap for all driver types MoneyGeek considered for this analysis: a driver getting full coverage or minimum coverage, as well as a young driver and a driver with a speeding ticket.
Comparing quotes from different providers helps you find a cheap auto insurance policy that meets your budget. While cost can be a primary consideration, you should also look at financial strength, customer service and complaint ratios, among other factors, before choosing an auto insurance company.
Average Annual Cost of Car Insurance with Amica Mutual versus National Average
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Driver Type
Amica Mutual Average Rate
National Average
Full Coverage
$1,262
$1,345
Minimum Coverage
$630
$768
Speeding Ticket on Record
$1,537
$1,711
18-Year-Old Driver
$4,579
$5,148
Is Amica Mutual Car Insurance Expensive or Cheap? Why?
Amica is cheap for most types of drivers. That is true for drivers who purchase full coverage or minimum coverage. Amica also offers cheap rates to young drivers and those with a traffic violation.
Amica does not use intermediaries to sell its products, which is likely one of the reasons it can offer policies at such inexpensive costs. It has a reputation for providing great customer service.
Insurance companies aren’t always forthcoming about how they price their policies. Regardless of your preferred coverage level or driving profile, Amica offers competitively-priced auto insurance rates.
Discounts Offered by Amica Mutual That Can Help You Save
By taking advantage of discounts from Amica, you can lower the rate of an already low-cost auto policy. Amica offers common discounts such as bundling, multiple car, good student, safe driving, anti-theft system, paying in full, paperless, defensive driving and airbag. Of all the major auto insurance companies MoneyGeek reviewed, Amica is the only company that offers all of these common discounts.
Amica also offers a number of unique discounts, like being continuously insured, opting for automatic payments or being a homeowner. Additionally, owning a car with advanced safety features gives you a discount, which is very rarely offered by car insurers.
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Note: The cost of car insurance is highly personalized and varies from driver to driver. Auto insurance companies weigh several factors when considering your rate, including age, driving record, address, the type of car you drive and more. The MoneyGeek calculator estimates how much you could pay for car insurance, without entering your personal information. The estimator can help you decide if it's time to switch car insurance companies or find a provider that fits your needs and budget.
Does Amica Mutual Offer Broad or Unique Coverage?
Like other insurers, Amica offers standard coverages like liability insurance, comprehensive and collision coverage. It also offers some of the most common add-on coverages: roadside assistance, rental car and/or travel reimbursement, accident forgiveness, new car replacement and gap insurance. However, unlike other insurers, Amica doesn’t provide deductible modification or better car replacement coverage.
Glass deductible modification and identity theft coverage are both unique and useful coverages from Amica that are worth the extra charge. If you sustain damage to your car’s windshield or windows, your deductible does not apply for repairs with the glass deductible modification add-on. With identity theft, Amica protects your personal information from fraud. And in case fraud happens, Amica provides assistance.
What Online Auto Insurance Tools Does Amica Mutual Offer?
It’s smart to shop for car insurance by comparing the prices of multiple providers so you can select the best and cheapest coverage. Amica stands out for its superior customer service, excellent rewards and lack of restrictions on repair facilities.
Amica’s website offers useful services and tools such as a rate calculator. You can pay your bills and file a claim online or on the mobile app.
- Type of FeatureDescription
- Online Price QuotesSelect your state and enter your details to get an instant quote.
- Online Bill PayYou can easily create your account and pay your bill online.
- Online ClaimsAmica enables you to report and track your claim online.
- Payment OptionsEnter your account number and ZIP code to make a quick payment.
- Mobile AppThe mobile app facilitates convenient claims handling and bill paying.
Other Amica Mutual Insurance Products
Earn a discount by bundling all the insurance policies you have with Amica. Besides auto insurance, this provider offers home, life, umbrella, condo, renters and other standard coverages.
- Type of ProductDescription
- Homeowners InsuranceAmica’s home insurance includes standard coverages, as well as discounts and dividend payments.
- Renters InsuranceRenters can safeguard their belongings at an affordable rate.
- Condo InsuranceProtect yourself, your possessions and your home with Amica’s condo insurance.
- Flood InsuranceFlood insurance covers your property, home, personal belongings and essential systems.
- Life InsuranceAmica’s life insurance policies include term life and whole life coverage.
Financial Strength
AM Best gave Amica an A+ financial strength rating — indicating “superior” company strength — and a stable outlook. This rating addresses a company’s ability to meet its insurance obligations. Clearly, Amica has the financial strength necessary to cover claims.
How to Make a Car Insurance Claim With Amica Mutual
To report a claim on Amica’s website, you need to create an online account. After you file your claim on the site, a virtual advisor will guide you through the process. You can also use Amica's mobile app or toll-free number to report your claim.
Contact Amica Mutual Car Insurance
Methodology and Assumptions
To evaluate and review auto insurance companies, MoneyGeek carefully weighs factors such as price, financial strength, policy features, customer satisfaction, service and other leading indicators. MoneyGeek also references publicly available data from industry leaders such as J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC) and the Better Business Bureau. Learn more about MoneyGeek’s review methodology here.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
sources
- AM Best. "Amica Mutual Insurance Company Profile." Accessed January 3, 2021.
- J.D. Power. "2019 U.S. Auto Claims Satisfaction Survey." Accessed January 3, 2021.
- The National Association of Insurance Commissioners. "Amica Mutual Insurance Company National Complaint Ratio Report." Accessed January 3, 2021.
- The National Association of Insurance Commissioners. "About the NAIC." Accessed January 3, 2021.