Amica
- Low consumer complaints.
- Many discounts and policy perks, including accident forgiveness and new car replacement in some states.
- Potential to earn dividends.
- Often more expensive than average in the states where we have data.
- Amica car insurance isn’t available in Hawaii, but other kinds of insurance, like life insurance, may be.
NerdWallet's take on Amica auto insurance
Amica earned 5 stars out of 5 for its low complaint rating and its many discounts and coverage options.
Best for: Drivers who want a car insurance company with lots of coverage options, discount opportunities and an above-average customer experience.
Not ideal for: Drivers with a poor credit history or recent DUI on their records.
Where Amica car insurance stands out
Low complaint rating. Amica gets fewer customer complaints than expected for its size.
Dividend-paying policies. Amica lets customers choose between a traditional and dividend-paying policy. A dividend-paying policy sometimes pays you back part of your premium, though it may be more expensive than a traditional policy.
Where Amica car insurance falls short
Affordability. You may pay more than average for car insurance from Amica in your state, though it depends on where you live and other factors.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
How much does Amica car insurance cost?
Amica offers car insurance in most states, but due to data availability our analysis focuses on just four: Connecticut, Massachusetts, New Jersey and Rhode Island. We recommend comparing car insurance rates from multiple companies to find whether Amica is a cheap option in your area.
Amica car insurance costs an average of $268 per month or $3,215 per year for a full coverage policy, according to our November 2025 analysis. That’s often more expensive than average in the states where we have data, but what you pay may be different depending on your vehicle, driving record and coverage.
» MORE: Compare car insurance rates
Amica auto insurance rates by age
Your car insurance rates depend on your age, too. While teens and young drivers pay the most for car insurance, it generally gets much easier to find cheaper rates as you get older — as long as you keep a safe driving record.
Here are Amica's average car insurance rates for drivers of different ages:
Young drivers. The median cost of Amica car insurance for 20-year-old drivers is $6,844 per year, or $570 per month. That's more expensive than average in most of the states where we have data.
Car insurance for young drivers is typically expensive, and it’s usually cheaper to join an existing policy like a parent’s or guardian’s instead of buying a separate policy. Amica also offers a good student discount and defensive driver discount that can help some young drivers lower their insurance costs.
Adult drivers. The average cost of Amica car insurance for 40-year-old drivers is $3,157 per year, or $263 per month. That’s more expensive than average in most of the states where we have data.
As you get older, pay attention to how your car insurance needs change. If you buy a house or another vehicle that you insure with Amica, you may qualify for some of the insurer’s largest discounts.
Senior drivers. The average cost of Amica car insurance for 60-year-old drivers is $2,960 per year, or $247 per month. That's more expensive than average in most of the states where we have data.
Unlike some other insurers, Amica doesn’t list a senior-specific discount, but it does offer a discount to drivers who are at least 55 years old and complete a defensive driving course.
- More Amica auto rates by age
Age Company median rate National median rate 20 $6,844 $4,684 30 $3,243 $2,375 35 $3,215 $2,300 40 $3,157 $2,232 50 $2,960 $2,074 60 $2,960 $1,988 70 $2,972 $2,125
Amica auto insurance rates by driver profile
If you have recently been in an accident or received a citation for a driving violation, your car insurance rates will likely get more expensive. After a driving violation, car insurance from Amica is generally more expensive than average in states where we have data.
You may not know that your credit history can affect your insurance costs. Most states allow insurers to consider your credit-based insurance score to set rates. A lower credit score may even affect your rates more than an accident or speeding ticket would.
Below are Amica's average full coverage rates for 35-year-old drivers:
Poor credit. The average cost of Amica car insurance for drivers with poor credit is $9,421 per year, or $785 per month. That's more expensive than average in the states where we have data.
If you can build your credit while avoiding accidents and driving violations, shop around for car insurance to see if you’re able to lower your rates. Even a small improvement could make it a little easier to find cheaper car insurance.
(California, Hawaii and Massachusetts don't allow insurers to use credit when determining car insurance rates.)
Speeding ticket. The average cost of Amica car insurance after a speeding ticket is $4,214 per year, or $351 per month. That's often more expensive than average in states where we have data.
You will probably pay higher car insurance rates for a few years after a speeding ticket. Depending on where you live, your rates will likely go down in a few years as long as you avoid other driving violations.
At-fault crash. The average cost of Amica car insurance for drivers who recently caused an accident is $3,968 per year, or $331 per month. That’s either in line with or more expensive than average in the states where we have data.
It’s common for the cost of car insurance after an accident to go up, but not every company treats accidents the same way. Amica’s rates are cheaper after an accident than those of some other large insurance companies.
DUI. The average cost of Amica car insurance after a DUI or DWI is $12,023 per year, or $1,002 per month. That’s usually much more expensive than average in the states where we have data.
A DUI or DWI is often one of the more expensive violations for your car insurance. In the states where we have data, Amica has higher rates than the country’s largest insurance companies.
Amica auto insurance discounts
Amica offers lots of discounts compared to many other insurance companies. Discounts aren’t available in every state, but you may be able to save on your insurance by:
Staying insured with any company for at least two years.
Being claims-free for the past three years.
Bundling your auto insurance with a home, life or umbrella policy.
Insuring multiple vehicles with Amica.
Paying your premiums using autopay.
Paying your premiums in full when you start your policy.
Choosing to receive policy information and bills electronically.
Owning a home, even if you don’t insure it with Amica.
Having a car with an alarm, GPS-tracking theft prevention device or other anti-theft systems.
Having a car with an electronic stability control feature.
Having a car with air bags and other safety devices.
Having a car with a collision-avoidance feature that tells you when you’re in danger of a collision.
Having a car with adaptive headlights.
Taking an approved defensive driver course if you’re under 21 or older than 55.
Keeping a “B” average as a high-school or college student from 15 to 25 years old.
Being a student (or having one on your policy) who is away at school without a car.
Being younger than 30 and having parents who've had Amica auto insurance for five years or more.
Another way that you may be able to lower your rates is by raising your car insurance deductible, the amount you pay out of pocket on a claim. While this is a good way to get cheaper insurance, be careful. You don’t want to raise your deductible so much that you couldn’t afford to cover damage to your car.
You may have to buy the minimum car insurance your state requires if you want the cheapest rates possible. However, doing this can leave you without enough insurance after a serious accident. Read our cheap car insurance article to see average minimum car insurance rates by company and state.
Amica car insurance coverage
Amica’s full coverage car insurance includes the standard types of coverage offered by most insurers:
- Liability insurance
Liability car insurance pays for others’ injuries or property damage you cause in a car accident, up to your auto policy limits. There are two types:
Bodily injury liability covers others’ medical expenses after an accident where you are at fault.
Property damage liability covers the repair costs to other vehicles, fences, mailboxes or buildings from an accident.
Is it required? Yes. Every state, except for Virginia and remote parts of Alaska, requires drivers to have a minimum amount of liability car insurance in order to drive legally.
- Personal injury protection
Also known as "no-fault insurance," PIP covers your own injuries and medical expenses after a crash, regardless of who's at fault, up to your policy limits. Depending on your state, PIP could also help pay for:
Lost wages if you're unable to work due to your injuries from a car accident.
Services you can't perform because of an accident, such as house cleaning or child care.
Funeral costs if an injury from an accident leads to death.
A small death benefit as a cash payout.
Is it required? Personal injury protection is required in the following states: Delaware, Florida, Hawaii, Kansas, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon and Utah.
- Medical payments coverage
Medical payments coverage, or MedPay, helps pay for your medical expenses or funeral costs after a car accident, no matter who's at fault, up to your policy limits. It also pays for medical bills if you or one of your family members is hit by a car while on foot, riding a bike or traveling as a passenger in someone else’s car.
Is it required? MedPay is required in Maine and New Hampshire, and can be purchased as an optional add-on in most other states. In a few states, MedPay can't be purchased because personal injury protection is required.
- Uninsured/underinsured motorist coverage
Uninsured and underinsured motorist coverage pays out if you're in an accident where the at-fault driver has no liability car insurance, or not enough to cover your injuries or property damage. It can also be used to pay for your passengers’ and household family members’ injuries.
Is it required? Uninsured/underinsured motorist coverage is required in Washington, D.C., and the following states: Connecticut, Illinois, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nebraska, New Hampshire, New York, North Carolina, North Dakota, Oregon, South Carolina, South Dakota, Vermont, Virginia, West Virginia and Wisconsin.
- Collision insurance
Collision insurance reimburses you to fix or replace your car if you crash into another car or object. It can also pay for hit-and-runs, rollovers and damage caused by uninsured or underinsured drivers.
Collision insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Collision insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy collision insurance, you'll likely have to also get comprehensive insurance, which pays for damage to your car from non-traffic-related causes.
- Comprehensive insurance
Comprehensive insurance reimburses you to fix or replace your car after non-traffic-related causes, such as:
Weather events, like hail, floods or tornadoes.
Falling objects, such as tree limbs.
Fire or explosions.
Hitting an animal.
Car theft and broken windows.
Earthquakes.
Vandalism or civil disobedience, such as a riot.
Comprehensive insurance becomes less useful the older your car is. That's because it reimburses you for repairs only up to the actual cash value of your car, minus your deductible.
Is it required? Comprehensive insurance isn't mandatory in any state, but most lenders require it if you finance or lease your car. And when you buy comprehensive insurance, you'll likely have to also get collision insurance, which pays for damage to your car from traffic-related causes.
Optional coverage
Amica offers drivers a few ways to customize a basic policy. Notably, Amica policies may include accident forgiveness, which can help you avoid a rate increase after a crash, and new car replacement.
If you drive a car that’s less than a year old and has less than 15,000 miles, Amica will help to pay for the cost of a new car after yours is totaled. Other optional coverages from Amica include:
Gap coverage. If you total a car that you’re leasing or paying off, gap insurance would help cover the difference between your car’s value and the rest of your loan or lease.
Who needs it? Your car’s lease or loan likely requires gap insurance. If not, it could still be worth having. After an accident, gap insurance could help you avoid having to pay to cover a remaining loan or lease balance.
Rental reimbursement coverage. If your car is in the shop due to a covered loss, this coverage helps pay for the cost of a rental vehicle, up to a certain amount. Amica’s Prestige Rental upgrade gives up to $5,000 toward a rental, with no daily limit.
Who needs it? Rental reimbursement coverage is worth considering if you regularly use your car to get to work or school. You might not need this coverage if you live in an area with dependable public transportation, you don’t drive often or you could afford a rental vehicle on your own.
Full glass coverage. If you already have comprehensive car insurance, you can add full glass coverage to your policy. You won’t have to pay a deductible to repair or replace your car’s damaged glass.
Who needs it? You might want to add full glass coverage to your policy if you want to avoid paying a deductible when you make a glass claim. Just make sure the price of upgrading to full glass coverage works for you before you buy.
Roadside assistance. If your car breaks down, roadside assistance will help pay for a fuel delivery, battery jump-start, unlocking services or towing, up to a certain amount each time you need it.
Who needs it? You might want to add roadside assistance to your policy if you don’t already get similar benefits from a credit card or an organization like AAA.
Rideshare insurance. Your car insurance won’t cover you while you drive for Uber, Lyft or a similar service. This add-on helps provide coverage during the time that the ridesharing company doesn’t.
Who needs it? Anyone who drives for Uber or Lyft should likely consider this coverage. Those companies provide some coverage, but it may not be enough to fully cover you during the entire time you’re working.
Better car replacement. If your car is totaled, this coverage would help pay for a replacement car that’s one year newer than your old one.
Who needs it? You may want to add better car replacement coverage to your policy if you’d want to upgrade your car to a newer model after it’s totaled. On the other hand, you may not need it if you’d rather pay for the new car on your own, or if you want a car that’s more than one model year newer than your last one.
Amica sells a package called Platinum Choice Auto that includes credit monitoring, full glass coverage and upgraded rental coverage. So if you’re interested in getting all the bells and whistles and live in a state where this package is offered, you can purchase that policy instead of buying each coverage option separately.
Dividend-paying policy option. Amica offers customers the choice between buying traditional or dividend-paying policies. A dividend-paying policy might pay back part of the cost of your policy to you if certain conditions set out by Amica are met.
Who needs it? A dividend-paying policy may be more expensive than a traditional one, but it could be worth having if payouts outweigh the extra cost. While Amica states that average payments are 5% to 20% of your premiums, ask for more specific details about recent payments to get a better sense of the return you might expect.
Amica usage-based insurance
Amica offers StreetSmart, a usage-based car insurance program that monitors driving behavior for 91 days and gives you a driving score based on your braking, speed, phone usage and the type of roads you drive on.
You earn a discount for signing up, and could earn another discount if your driving score is good. StreetSmart also awards you with cash that you can use toward e-gift cards.
StreetSmart is available in Arizona, Colorado, Connecticut, Delaware, the District of Columbia, Georgia, Illinois, Indiana, Kansas, Maine, Maryland, Massachusetts, Minnesota, Missouri, Nevada, New Hampshire, New Mexico, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia and Wisconsin.
Is Amica a good insurance company?
Amica is a top-rated car insurance company compared to many of its competitors. In addition to its useful coverage add-ons and discounts, Amica also has a high customer experience ranking.
Complaints: Amica receives fewer complaints from its policyholders than expected for its size.
Claims satisfaction: Amica received an above-average score in J.D. Power’s Auto Claims Satisfaction Study, which looks at how customers feel about an insurer’s claims process.
See what you could save on car insurance
Easily compare personalized rates to see how much switching car insurance could save you.
More information about Amica car insurance
There are a few ways that you can reach Amica if you have questions about your policy or need to make a claim.
Customer service: Call 800-242-6422 to reach customer service or to make a claim. You can also send an email to Amica or use a virtual chat feature on its website.
Website: Amica has a high-quality website with many explainers and a clear rundown of coverage options. 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 Amica insurance reviews
How we review auto insurance companies
Our editorial team considers these factors when reviewing auto insurance companies:
- Financial strength
We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. NerdWallet does not recommend companies with a rating lower than a B.
- Complaints
These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best auto insurance companies have fewer than the expected number of complaints.
- Ease of use
This category looks at how easily consumers can interact with an insurer through its mobile app and website. This includes how much coverage information is offered online, whether a user can start and track a claim online and get a quote and mobile app scores based on the Apple and Google Play store ratings.
- Discounts
We look at the kind of discounts a company offers and the total number of discounts available.
Read our full auto insurance methodology.
We nerd out on car insurance
Our goal is to give you what you need to make smart decisions about your car insurance.
Here’s why you can trust NerdWallet:
We do our homework. We regularly evaluate and review many of the insurance companies we write about. And all of our content is fact-checked before publication. This means the star ratings you see on our reviews are accurate and up-to-date.
We analyze the data. We update our average car insurance rates every month. To do that, we analyze more than 500 million rates from across the country. These rates are provided by Quadrant Information Services.
We are unbiased. NerdWallet’s content is never influenced by our business partners and advertisers. Learn more about how we write in our editorial guidelines.
Frequently asked questions
How do I get an Amica auto insurance quote?
How do I get an Amica auto insurance quote?
You can get an auto insurance quote from Amica online, by calling 800-242-6422 or by using the Amica app.
How do I file a claim with Amica?
How do I file a claim with Amica?
You can file a claim by phone, online or by using your Amica app. You can also track a claim online.
What states does Amica offer auto insurance cover?
What states does Amica offer auto insurance cover?
Amica sells auto insurance in the District of Columbia and every state except Hawaii. Other types of insurance may be available in Hawaii.
Article sources
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.J.D. Power. 2025 U.S. Auto Claims Satisfaction Study. Accessed Dec 19, 2025.
Methodology
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.
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 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 and full ratings methodology for auto insurance.
