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Amica Insurance Review 2021

Jan. 4, 2021
Auto Insurance, Insurance
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at a glance

  • Customer satisfaction ratings for Amica are generally top-notch.
  • Amica has fewer consumer complaints than the industry median relative to its size.
  • Amica’s auto insurance includes several free perks most insurers don’t, such as free lock and air bag replacement.

Amica isn’t among the nation’s largest insurers, but this company is mighty in terms of customer satisfaction ratings. If you want insurance policies with built-in perks that you can bundle together for a discount, give Amica a look.

Amica auto insurance

5.0 NerdWallet rating

Amica earned 5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account pricing and discounts, ease of filing a claim, website transparency, financial strength, complaint data from the National Association of Insurance Commissioners and more.

Basted on these star ratings, Amica is among NerdWallet’s Best Car Insurance Companies.

» MORE: Car Insurance Quotes: What You Need to Know

Amica offers the standard menu of auto insurance coverage, though its policies come with some attractive built-in perks, including:

  • Depreciation won’t be taken into account if your car is totaled within the first year of ownership (not available in all states).
  • Free lock replacement if you lose your keys or they’re stolen.
  • Free repair of an air bag after it deploys.
  • Reimbursement for lost earnings if you go to court at Amica’s request.
  • Free repair for damaged auto glass (if replacement isn’t necessary).
  • $1,000 for bail bonds.

For an extra cost you can upgrade to Platinum Choice Auto, a package that contains several coverage options, with details varying by state. You may also add any of the following coverages to your policy without owning the Platinum Choice Auto package:

  • Accident forgiveness. You earn points for good driving, time with the company, referring new customers or adding other policies. You can use the points for accident forgiveness, preventing a price increase if you get in a crash.
  • Disappearing deductible. You can also choose to use your points to reduce or eliminate your deductible.
  • Identity fraud monitoring. This service monitors your credit files and personal information, provides access to a fraud specialist if your identity is stolen and pays up to $15,000 toward resolving the problem.
  • Full glass coverage. You pay no deductible for glass repairs or replacement.
  • Prestige rental coverage. You get up to $5,000 toward the rental of a comparable car if yours is in an accident.

Amica’s auto insurance discounts include:

  • Loyalty discount for staying with an auto insurer for at least two years.
  • Discount for being claims-free in the past three years (other than glass or towing).
  • Multi-line or bundling discount.
  • Multiple auto discount.
  • Discount for paying your premium using autopay.
  • Paid-in-full discount.
  • E-discount if you choose to receive policy information and bills electronically.
  • Home ownership discount.
  • Legacy discount if you’re younger than 30 and your parents have had Amica auto insurance for five years.
  • Discount if your car has an approved anti-theft system.
  • Electronic stability discount if your car has an electronic stability control feature.
  • Passive restraint discount if your car has automatic restraints.
  • Discount if your car has a collision-avoidance feature.
  • Discount if your car’s headlights are designed for nighttime and low-light driving.
  • Defensive driver discount if you complete an approved course.
  • Driver training discount for young drivers who complete an approved driver training program.
  • Good student discount.
  • Student away at school discount if your child is away at school full-time and without a car.

» MORE: Compare car insurance rates

Amica homeowners insurance

The company offers standard homeowners insurance coverage in most states, as well as some unconventional upgrades.

  • Home business coverage pays for work-related items if they’re lost or stolen, and covers work-related injuries that occur in your home.
  • Catastrophic coverage pays for property damage from earthquakes or floods, not typically included in standard policies.
  • Dwelling replacement coverage pays out if your home needs repairs exceeding the policy limit — up to 30% (varies by policy and state).
  • Personal property replacement coverage pays for the full repair or replacement of your property, up to your coverage limits. Availability may vary by state.
  • Identity fraud expense coverage will help restore your identity and reimburse you for unauthorized credit card use, up to your policy limit.

Amica’s Platinum Choice policy includes the optional coverages above (except catastrophic), plus:

  • Additional coverage for liability and medical payments, business property and loss or theft of valuables.
  • Water backup/sump overflow, in case water backup causes damage, up to $5,000.
  • Credit card coverage worth up to $5,000 if your card is used fraudulently.
  • Computer coverage, which includes tablets, smart TVs and phones.
  • A loss assessment plan, which covers community property near your home.

Home Repair Assistance Program: Amica partners with Contractor Connection, a national network of 2,000 licensed and insured contractors. Your claims process will be hassle-free and the professionals can be on the scene within hours of an emergency, Amica says.

Amica’s home insurance discounts vary by state, but may include:

  • Loyalty discount for staying with an insurer at least two years.
  • Multi-line or bundling discount.
  • Discount if you have no claims in the past three years.
  • Auto-pay discount.
  • E-discount if you receive policy information and bills electronically.
  • Alarm system discount.
  • Automatic detection devices discount if your home has temperature monitoring, or a water or gas leak detection system.
  • Discount for insuring a new or remodeled home.

» MORE: Home Insurance Quotes: What You Need to Know

Amica life insurance

Amica offers both whole and term life insurance policies.

Level term life is available for 10-, 15-, 20-, 25- or 30-year terms. The price stays the same throughout the term, and you can buy from $100,000 to more than $1 million of coverage.

The company also offers whole life insurance, with policies starting at $25,000 in coverage.

» MORE: Compare Life Insurance Quotes

Amica complaints and customer satisfaction

Amica had fewer than the expected number of complaints to state regulators relative to its size for home, life and auto insurance, according to three years’ worth of data from the National Association of Insurance Commissioners.

Amica stands out for its customer satisfaction scores, ranking among the best in three J.D. Power studies, and earning the highest honor in one.

2020 J.D. Power studyAmica ranks...
Auto Insurance ShoppingClose to average
Auto Insurance Claims SatisfactionAmong the best
Home InsuranceAmong the best
Property Insurance ClaimsAmong the best, with top award

More about Amica

Dividend-paying policies: You can opt to pay extra upfront for a dividend-paying auto, home, marine or umbrella liability policy. As a mutual insurance company, Amica does not have investors or stockholders; the policyholders own the company. The dividend payouts are not guaranteed and are not available in all states.

Website: Amica’s website offers many explainers, FAQ and a clear rundown of product choices. You can log in to file and track claims, pay bills, print ID cards, sign documents and see or update policy details.

Mobile app: Amica’s apps for iPhone and Android let you report and track claims, make payments, view your policies, view auto insurance ID cards and get roadside assistance.

Other insurance from Amica

If you like bundling insurance products, you can do so with Amica.

Other types of insurance from Amica include: 
Renters insuranceSmall business insurance
Marine insuranceMotorcycle insurance
Umbrella insuranceWedding and event insurance
Flood insuranceCondo insurance

Recap: Amica pros and cons

ProsCons
High customer satisfaction ratings and low consumer complaints.May deny coverage to some people deemed risky by the company.
Many policy perks and discounts.
Potential for earning dividends.

Auto insurance ratings methodology

NerdWallet’s auto insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, website transparency and affordability. Using our editorial discretion, we also consider customer satisfaction surveys. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2016-2018. To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

 

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