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This auto insurer is a good fit for: Drivers looking for a company with an established mutual insurer and award-winning service. Amica is the oldest mutual insurer of automobiles in the country.
Pricing
The average annual auto premium is $2,875. Insurance premiums at Amica are $3,946 per year, about 37% higher than the national average.
Discounts
Amica offers a wide variety of discounts. It states on its website that drivers can save up to 25% when they insure more than one car with Amica and up to 20% when you combine auto and home coverage. Its discounts are not available in all states.
Perks
Amica offers a wide range of policy discounts. It also offers home, marine, personal umbrella liability, and life insurance products.
Customer Service
Amica has been rated No. 1 in customer satisfaction in the New England region by J.D. Power for nine consecutive years. It has been on the list for 22 straight years and has an excellent rating by Trustpilot.
Monthly premium costs:
Coverage options:
After surveying over 38,000 auto insurance customers, J.D. Power awarded Amica Auto Insurance "Highest in Customer Satisfaction Among Auto Insurers in the New England Region" in the J.D. Power 2021 U.S. Auto Insurance Study.
This is the ninth consecutive year Amica has taken the top prize in New England and the 22nd year in a row that J.D. Power has recognized Amica for highest customer satisfaction with auto insurers. Amica's score of 867 out of 1,000 was also 39 points higher than the regional average.
The study examines customer satisfaction in five factors: billing process and policy information, claims, interaction, policy offerings, and price.
Amica offers a large number of discounts. It offers discounts for bundling auto, home, renters, life, umbrella, and more. It offers discounts for young drivers who complete a driver training program, good students, and if drivers under 30 have parents who have had a policy for at least five years. Amica also offers discounts for how you drive (accident-free and driver training) and discounts for what you drive (anti-theft, forward-collision warning features, and more).
Amica was founded in 1907 and is the oldest mutual insurer of cars in the U.S. AM Best has given the financial strength rating of A+ (Superior) to Amica Mutual Group. AM Best's ratings are based on an insurer's ability to pay claims, debts, and other financial obligations. The superior rating means Amica has a superior ability to meet its financial obligations and pay its claims.
Amica offers Platinum Choice Auto coverage with its premium coverage in one package. The package consists of:
Amica's average annual premiums are higher than the national average. The average annual auto premium is $2,875. Insurance premiums at Amica are about 37% higher at $3,946 per year.
The availability, requirements, and minimum limits of select auto coverages vary by state. Amica is primarily well known in the New England region but does not have a large client base outside of the region.
When looking for an auto insurer who offers discounts for bundling home and auto insurance: Nationwide offers drivers discounts for bundling policies and its average annual premium is $2,081, which is almost 30% lower than the national average. Amica has higher customer satisfaction ratings however.
When looking for the option for coverage nationwide: Like Nationwide, State Farm offers multiple opportunities for discounts, including for bundling coverage. It also has a large network of agents nationwide.
Based on our research, these are the average annual Amica auto insurance premiums for a selection of standardized personas:
35y, female, clean record | 35y, male, clean record | 35y, female, one accident | 18y, male, clean record |
---|---|---|---|
$2,548 | $2,548 | $2,905 | $8,562 |
Amica offers many discounts that can lower the cost of your auto insurance. It offers discounts for bundling, for family, for how you pay, for how you drive, and even what you drive.
Amica offers different coverages based on your needs as well as extra options to give you more protection.
According to J.D. Power's 2021 U.S. Auto Insurance Study which examines customer satisfaction, Amica Mutual is the highest-ranking auto insurer in the New England region. This is the ninth consecutive year in New England and the 22nd year in a row that J.D. Power has recognized Amica for highest customer satisfaction with auto insurers. In addition, Amica's score of 867 out of 100 was 39 points higher than the regional average.
Amica is rated Excellent on Trustpilot for its customer service and has an A+ (Superior) AM Best rating. A superior financial strength rating indicates that Amica is in great financial health and its ability to pay claims is strong.
Amica is best suited for people who:
Other auto insurance companies to consider are Nationwide if you want to bundle different insurance policies, and State Farm if you could benefit from a large network of agents.
Our Insurance Expert
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