Amica Auto Insurance Review 2022
- Financial Strength A+ (AM Best rating)
- BBB Rating A+
- Coverages 5/5
- Flexibility Possible policy customization
- Discounts 4/5
- Support online, email,chat
- User Ratings Trustpilot 3.8 stars
- Availability All states, except Hawaii
- Pricing $1,631
About the Company
Amica Mutual Insurance Company was founded in 1907 and is the oldest mutual insurance company in the U.S.
While it may not be as well-known as other leading car insurance providers, it still holds an excellent reputation for its customer service and claims handling. It even won a Satisfaction Award in 2019.
The Amica car insurance reviews 2020 agree that it is an auto insurance provider with affordable rates and outstanding customer service.
While it doesn’t offer a wide range of benefits compared to its competitors, it still has a good number of discounts that make it even more affordable for drivers looking for auto insurance with a budget.
Want to know more about this auto insurance? These detailed Amica auto insurance reviews will help you in making the final decision.
How We Reviewed
Here is what we did to review the cost and contents of Amica auto insurance quotes.
We collected quotes for 3 age groups in 5 states for a Honda Accord 2015 and some conditions mentioned here in this table:
|Car type||Honda accord 2015||Honda accord 2015||Honda accord 2015|
|States||NJ, NY, CL, TX, MI||NJ, NY, CL, TX, MI||NJ, NY, CL, TX, MI|
|Condition 1||Full and minimum coverage rate||Full and minimum coverage rate||Full and minimum coverage rate|
|Condition 2||Pre and post-accident rate||Pre and post-accident rate||Pre and post-accident rate|
|Condition 3||Excellent and poor credit score rate||Excellent and poor credit score rate||Excellent and poor credit score rate|
Where Is It Available
Amica auto insurance covers all U.S. states. You can get in touch through snail mail, email, telephone, or online. Below is an Amica car insurance review to give you a better idea of all the details.
Types of Amica Insurance Coverage
Amica auto insurance offers coverage for various types of insurance, including the following traditional coverages:
- Bodily Injury Liability Coverage
- Property Damage Liability Coverage
- Uninsured Motorist Bodily Injury
- Collision Coverage
- Personal Injury Protection
- Comprehensive Coverage
Aside from this standard coverage, you can upgrade the policy to Platinum Choice Auto that contains more coverage options.
Amica also offers various other coverages, including:
Identity Fraud Monitoring – this coverage monitors three credit bureaus of your personal and credit information. In case of any suspicious activity, you will be alerted. You get expert guidance regarding ways to proceed if there is identity fraud.
Accident Forgiveness – you get points for referring other customers, for being a long-term customer,, good driving, and/or buying more policies. These points can be used to avail accident forgiveness that prevents the cost from increasing, in case of a crash.
Diminishing Deductible – those points can also be utilized to eliminate or reduce the deductible.
Full Glass Insurance Coverage – there is no deductible for glass replacement or repairs. But, you can still get a full glass and windshield insurance that covers replacement or repairs without any extra cost.
Prestige Rental Coverage – The company offers you up to $5,000 for a rental car while your car is getting repaired after an accident.
Amica Dividend Policy – Amica provides dividend plans on the marine, umbrella, home, and auto policies. While you have to pay more upfront, you would get about 20% of the premium back in dividends. These dividends can be used to lower your premium as well.
Insurance Offers or Extras
The additional coverages are priced individually, but you can still get discounts on different policy bundling options. The price varies depending on your state, and your driver profile.
While Amica offers typical insurance coverage, it also offers its customers additional perks and discounts, including:
- Free replacement of lock if your keys are stolen or misplaced
- Airbag replaced free of cost after deployment
- Repair of damaged glass free of cost, if there is no need for replacement
- Loyalty discounts if you have been a policyholder for a minimum of two years
- Discount if you were remaining claim-free for three years, with the exception of towing and glass
- Multi-line discount when you pair your auto insurance with umbrella, life, renters, condo, or home coverage
- Discount for homeownership
- Discount for anti-theft device
- Discounted rates if you have forward-collision warning systems installed
- Paid in full discount when you pay the premium in full
- Multiple auto discounts
- E-discount when you choose to receive bills and policy information online
- Autopay when you pay premiums
- Legacy discount for drivers younger than 30 years and parents using Amica insurance for five years
Customer Satisfaction and Reviews
Amica car insurance review 2020 shows that it has been well-ranked for its financial stability. The company earned an AA from S&P Rating and an A+ from AM Best Rating for its ability to pay the customers in the claims.
Amica insurance ratings from the customers on different rating websites are good.
While it has an A+ from BBB, and 3.8 stars on Trustpilot, the company hasn’t earned an excellent rating in ConsumerAffairs.
Even so, the rating is still better than most of its competitors and the company has high customer satisfaction.
Amica ratings have been consistently high for customer support.
There are multiple ways of getting in touch with Amica auto insurance. You can get in touch with their representative by calling the helpline, emailing, or through their website.
You can also send them a message through their online chat, and a representative will get in touch with you. You can also file and track your claims online.
There is a 24/7 roadside assistance number and a separate helpline for any other queries.
Ease of Use and Policy Customization
Amica’s website is loaded with valuable information for both existing and potential policyholders.
It offers a clear breakdown of all the insurance products available. The online quote process is easy. You just need to fill in a short questionnaire before adding in your details.
You can create an account to manage your policies, file and check claims status, make payments, and more through the online portal.
Amica also has a mobile app for roadside assistance, tracking claims, making bill payments, and viewing insurance ID cards.
Amica Mutual Insurance Pricing Reviews
The average national representative rate of Amica auto insurance is $1,631, making it among the expensive car insurance companies. The total amount depends on various factors, including your age, driving record, and more.
The average car insurance rate for:
- A 25-year-old driver is $1,631
- A 35-year-old driver is $1,631
- A 45-year-old driver is $1,151
The average insurance rate for drivers as per the credit score is as follows:
- For the drivers with good credit, the rate is $1,174
- For drivers with fair credit, the rate of $1,389
- For drivers with poor credit score, the rate is $2,010
Car Insurance Comparison
Here is a comparison between Amica auto insurance and a few of its competitors:
Amica vs Allstate
Allstate is one of the top insurance providers on the market.
Amica insurance might not be among the top but is still favored by many drivers due to their exceptional customer satisfaction.
Allstate offers multiple discounts, including Good Driver, Advanced Purchase, Telematics, and New Vehicle that are not available with Amica.
On the other hand, Amica offers multiple vehicle discounts that are not available with Allstate.
For drivers with poor credit scores, Amica auto insurance is a better option as compared to Allstate.
Amica also offers better rates for drivers with exceptional credit scores. If your driving record includes a DUI, reckless driving violation, ticket, or an at-fault accident, then Amica is a better choice.
While Allstate offers better discounts and perks, Amica offers better rates.
Amica vs GEICO
GEICO and Amica are both very affordable auto insurance companies. GEICO offers better rates and perks, but Amica ranks high in claims handling and customer satisfaction. Amica auto insurance complaints are very few in number.
GEICO offers military discounts, Good Driver, and Affinity Membership Alum, which Amica doesn’t.
Amica customers can enjoy Driver Training, Green Vehicles, Student Away at School, and Pay in Full discounts that are not available with GEICO.
Drivers with good credit scores can go with either as for them there is a small difference between the two.
For drivers with poor credit scores, Amica is a slightly better option as compared to GEICO. If your driving record includes a DUI, reckless driving violation, ticket, or an at-fault accident, then Amica is the way to go.
The drivers in their 20s and 30s should go with GEICO, but drivers in their 40s and above can get competitive rates with Amica.
Amica vs Progressive
Progressive makes auto insurance easy to understand and buy, and focuses on personal auto insurance. They have a much better roadside assistance program than Amica, which may even be available without any out-of-the-pocket fee.
For drivers with bad credit scores, Amica is a better choice. It also offers better insurance rates for drivers with a good credit score. If your driving record includes a DUI, reckless driving violation, ticket, or an at-fault accident, then Amica is again a better option for you.
Progressive offers Military, Telematics, and Homeowner discounts that are not available at Amica.
On the other hand, Amica offers airbags, Anti-Lock Brake System, Driver Training, Green Vehicles, Student Away at School, and Pay in Full discounts that you can’t find with Progressive.
Amica Auto Insurance Claiming Process Review
The company has a lower than average complaint rate, which indicates that customers are generally satisfied with their claim process and resolution.
Amica offers fast claims processing for its policyholders.
Filing a claim is rather easy and can be done through phone or online portal.
You can also file a claim through their mobile app. The mobile app and online portal allow you to keep track of your claims.
Amica customers are also satisfied with their customer service and with the higher payout.
Pros & Cons
- Lower than average customer complaints
- Pays dividends
- Discounts for bundling, safe driving and more
- Limited local offices
- Might deny coverage to risky drivers
- No reward system for loyal customers
Is Amica auto insurance good for you? The Amica auto insurance reviews show that this mostly depends on your preferences and needs from an auto insurance company.
Amica is a financially stable auto insurance company, offering affordable rates and coverage options. They have outstanding customer support and claim handling rates. This insurance company is for you if you are looking for low rates and claim satisfaction.
Amica offers standard discounts for its customers that can further reduce the overall cost.
If you are looking for better discounts and perks, then maybe Amica is not a good insurance option for you.
Who is Amica owned by?
Amica Mutual Insurance Company was established in 1907 and is the oldest mutual insurer of automobiles in the United States. It is owned by its policyholders, which are its members.
What states does Amica cover?
Amica General Agency offers some health and specialty products, which vary by state. The company does business in all states except for Hawaii.