Amica Auto Insurance Review September 2022

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Our Take


NerdWallet rating 

The bottom line:

High marks for customer satisfaction and low consumer complaints make Amica a great choice for good drivers.


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Amica Auto Insurance
NAIC complaints
Fewer than expected
Ease of use
Above average
Great set of discounts

Pros & Cons


  • High customer satisfaction ratings and low consumer complaints.
  • Many policy perks and discounts.
  • Potential for earning dividends.


  • Some policy types aren’t available in Alaska or Hawaii.

Full Review

Founded in 1907, Amica is the oldest mutual auto insurer in the United States, owned entirely by its policyholders. While it may not be one of the nation’s largest insurers, the company is mighty in terms of customer service, boasting high satisfaction ratings and few complaints.

Amica is among NerdWallet’s Best Car Insurance Companies.

Where Amica stands out

Low customer complaints. Amica has fewer customer complaints when compared to other companies of its size.

High customer satisfaction ratings. Amica ranked better than most other companies for both auto insurance shopping and auto insurance claims customer satisfaction.

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.

Where Amica falls short

State availability. Policies are sold in most states, with a few exceptions. Amica does not sell auto, life, home or renters insurance in Hawaii. Home and renters insurance are also not available in Alaska.

Amica auto insurance coverage

When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.

Amica offers the standard menu of auto insurance coverage. For an extra cost, you can upgrade to Platinum Choice Auto, a package with several coverage options, including new-car replacement coverage. Details vary by state. You may also add any of the following coverage types to your policy without buying 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, which prevents 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, plus provides access to a fraud specialist if your identity is stolen.

  • 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.


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Auto insurance discounts

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.

  • 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.

  • Discount if your car has an electronic stability control feature.

  • Passive restraint discount if your car has automatic restraints, like air bags.

  • Discount if your car has a collision-avoidance feature.

  • Discount if your car is equipped with adaptive headlights.

  • 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 without a car.

Compare to other insurers




Star rating


NerdWallet rating 


NerdWallet rating 


NerdWallet rating 

NAIC complaints

Fewer than expected.

Far fewer than expected.

Far fewer than expected.

J.D. Power Rankings

  • Shopping: #2 out of 12.

  • Claims: #4 out of 18.


  • Shopping: #4 out of 12.

  • Claims: #9 out of 18.


Great set of discounts.

Great set of discounts.

Great set of discounts.

Ease of use

Above average.



Read our detailed reviews

🤓Nerdy Tip

First time shopping for auto insurance? Unsure of where to start? Check out our guide on how to shop for car insurance.

Amica homeowners insurance

The company offers standard homeowners insurance coverage in most states, as well as some unconventional upgrades. To learn more, read our Amica home insurance review.

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. You may not need a medical exam for approval.

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

Depending on your state, both term and whole life policies may offer terminal illness riders, which allow the policyholder to access some of their death benefit if they become terminally ill.

Complaints and customer satisfaction

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

2021 J.D. Power study

Amica ranking

Auto insurance shopping

No. 2 out of 12 companies.

Auto insurance claims satisfaction

No. 4 out of 18 companies.


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More about Amica auto insurance

Website: Amica’s website offers many explainers, FAQs 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, read your policies, view auto insurance ID cards and get roadside assistance.

Other insurance from Amica

Amica offers a variety of other insurance products, including:

  • Condo insurance.

  • Flood insurance.

  • Marine insurance.

  • Motorcycle insurance.

  • RV and travel trailer insurance.

  • Umbrella insurance.

Amica also sells insurance through third parties, including:

  • Pet insurance

  • Small-business insurance.

  • Wedding and event insurance.


Auto insurance ratings

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 and discounts. Our “ease of use” category looks at factors such as website transparency and how easy it is to file a claim. 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

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2020. 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.

Frequently asked questions