Amica: a pricey but dependable choice for auto and home insurance
Auto insurance takeaway: Amica's rates for car insurance are on the high side, with prices far higher than we found at Geico, Progressive or Allstate. But its service is very highly rated by drivers.
Home insurance takeaway: Amica's home insurance prices are about average, but its claims service is well-rated overall. If something goes wrong, policyholders have the support of Amica’s award-winning customer service team.
Budget-friendly companies — such as Geico — are able to offer rates that are more affordable than Amica’s auto insurance rates.
Experts and customers rank Amica as an outstanding insurance company. Amica’s customers praise it for having agents who are quick to process claims while maintaining a professional demeanor.
Amica’s agents are described as knowledgeable and friendly by current policyholders. The negative reviews cite issues with the company’s car insurance rates rather than its agents or service.
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Amica auto insurance
Amica's car insurance rates are on the high side, but it's routinely rated as a dependable, customer-friendly insurer.
- Quotes
- Coverage
- Discounts
Amica auto insurance quotes comparison
Amica offers auto insurance rates that are more expensive than average. Nationwide is the only insurer that offers rates that are more expensive than the quotes offered by Amica.
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Amica's rates tend to be more affordable for minimum coverage, compared to other insurers.
20 years old, minimum coverage | 30 years old, minimum coverage | 30 years old, full coverage | |
|---|---|---|---|
| Geico | $2,493 | $1,115 | $2,397 |
| Allstate | $2,219 | $1,388 | $3,181 |
| Progressive | $3,164 | $1,427 | $2,813 |
| Amica | $3,270 | $1,446 | $3,722 |
| Nationwide | $4,306 | $1,595 | $2,957 |
Amica auto insurance coverage options
Along with standard coverage options, Amica allows customers to supplement their coverage with add-ons — additional services and protections — under its Platinum Choice Auto program.
The add-ons are individually priced, but there are discounts available based on different combinations. Prices vary based on your driver profile and state of residence.
Good driving rewards
Consider good driving rewards if you’re interested in saving money through a points-based system or looking for an accident forgiveness program. Amica Advantage points can be used to pay down a deductible or for an auto accident surcharge — the additional cost you’ll have to pay on your insurance policy if you’re involved in an accident. The points you earn never expire and you can use them whenever you’d like to. Amica Advantage points are earned by:
- Your tenure as an Amica policyholder
- Adding any other Amica insurance policies
- Renewing your Amica policy
- Driving well for a year
- Referring other people to Amica
Identity fraud monitoring
Consider adding Amica’s identity fraud monitoring to your auto policy if you’re concerned about identity theft. The service monitors the three major credit bureaus for your credit and personal information. If there’s any suspicious activity, you’ll be alerted within 24 hours. Additionally, you’ll be provided with a toll-free number to contact an expert for advice on how to proceed if your identity is compromised.
Full glass coverage
If you’re constantly needing to repair the windows or windshield of your car, then you’ll want to add full glass coverage to your policy. With this coverage option, car windows and windshields are repaired or replaced at no additional cost. This could save you anywhere from $100 to $1,000 on a windshield repair or replacement, depending on what kind of vehicle you drive.
Prestige rental coverage
This coverage provides up to $5,000 towards the rental of a comparable vehicle should your car be involved in a covered accident. There's no daily limit on how much of the $5,000 you can use. If your vehicle was involved in a covered accident, the $5,000 in rental car coverage continues until it’s depleted, you purchase a replacement vehicle or your vehicle is successfully repaired.
Amica dividend policies
Amica is a mutual insurance company, which means it’s owned by its policyholders. As a result, any profits are returned to its customers, not to investors. The company states that a typical dividend payment can range from 5% to 20% of the annual rate.
You can use dividend payments as you wish — meaning you don’t have to apply the dividend to your auto insurance bill, but you can if you want to. While dividends aren’t always paid, Amica has a long track record of paying them out to policyholders. When you sign up for Amica, you’ll have the option of a dividend policy or a standard policy. While the dividend policies cost more, they could also provide an annual payout. Other mutual insurance companies offer dividend policies, but Amica is one of the better-known companies to do so.
Auto insurance discounts offered by Amica
You won’t find many unique discounts offered by Amica that aren't available with other insurers. However, Amica offers nearly all of what are considered standard discounts.
Highlight Discount: Legacy (Family)
Amica’s legacy discount allows drivers under the age of 30 who have their own auto policy and vehicle, and whose parents have had an auto policy with Amica for at least five years, to save money. The legacy discount adds to the long list of benefits young drivers have available to them when insured with Amica.
Policy discount
Multi-line
Bundle your auto insurance with another insurance policy offered by Amica.
Claim-free
Go three years without recording a claim (excludes glass and towing).
Multiple auto
Bundle multiple autos on one insurance policy.
Loyalty
Be insured with Amica for two years.
Paid in full
Pay the premium of your entire policy before your first bill is due.
Auto pay
Set up your account to bill you automatically.
E-discount
Sign up to receive bills and information online rather than through the mail.
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Vehicle discounts
Anti-theft
Install an approved anti-theft device in your car.
Electronic stability
Save if your car has an electronic stability control feature.
Passive restraint
Receive a discount if your car is equipped with airbags.
Forward-collision warning
Save if your car has a feature that helps you avoid collisions.
Adaptive headlights
Have headlights that adapt to driving in different conditions.
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Driver discounts
Defensive driver training
Complete an approved driving course.
Driver training
Complete a driver training course (exclusive to drivers under 21 years old).
Good student
Maintain a B average in either high school or college if you’re a student or have a student on your policy.
Student away at school
Save if you have a child on your policy who is at school and away from home without a vehicle.
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Amica home insurance
Amica's home insurance rates are about average, but its well-rated service mean it's worth the cost.
- Quotes
- Coverage
- Discounts
Amica home insurance quotes comparison
Amica's home insurance rates are about average compared to other similar home insurance companies in the Northeast. In Rhode Island, Amica's rates are much cheaper than Merrimack Insurance, but considerably less affordable than Allstate or Narragansett Bay Insurance Company.
Bundle & Save
Auto
Home
Amica's home insurance rates are most competitive for higher-priced homes.
Dwelling coverage limit | $200,000 | $300,000 | $400,000 |
|---|---|---|---|
| Allstate | $786 | $921 | $1,061 |
| Amica | $1,021 | $1,428 | $1,830 |
| Merrimack | $1,806 | $2,264 | $2,619 |
| Narragansett Bay Insurance | $567 | $801 | $1,010 |
Beyond coverage limits, the biggest determining factor of a home’s insurance rate is the home’s location. Home insurance costs may vary significantly based on where you live, so the only way to find the best rate for your home is to shop around and compare quotes.
Amica home insurance coverage options and discounts
Amica’s endorsement options are fairly standard, meaning most other insurance companies offer them. The endorsements are add-ons to your home insurance policy, meaning that they’re not included with the standard policy.
Amica’s most uncommon feature is that it offers customers coverage for a stolen credit card under its standard home insurance policy.
Automatic dwelling coverage increase
Automatic dwelling coverage protects you in case the cost to rebuild or replace your home exceeds your coverage limits. The endorsement provides up to a 30% increase to your dwelling coverage, which is in line with what other competitors offer.
Personal property replacement
This endorsement provides policyholders with the full repair or replacement value of personal property up to the policy limit. For instance, if your TV was damaged due to a covered loss, you’d be reimbursed for the cost of a new, comparable version of your TV. Without the endorsement, you would receive the depreciated value of your personal property — meaning that the compensation you’d receive from your insurance company would be less than what you paid for an item. In our example, you’d receive the cost of your TV minus estimated wear and tear.
Scheduled personal property
While a regular home insurance policy provides limited coverage for valuables—such as jewelry or art — the scheduled personal property endorsement allows you to attain broader protection for incidental damage. For example, if you drop a valuable watch and break it, you’d be covered with the endorsement, but not with your standard home insurance coverage. If you own any valuable items over $1,000, or several expensive items, you’ll want to add this endorsement to your policy.
Catastrophic coverage
Amica offers policyholders access to earthquake and flood insurance. Depending on where you live, flood insurance may be required by your lender or the government.
Amica home insurance coverage
- Protection for loss or damage due to fire, smoke, theft, vandalism and other perils
- Coverage for structures other than your home, such as garages or sheds
- Coverage for increased living expenses if you’re living away from home due to a covered loss — includes theft of personal property in your temporary residence
- Coverage for unauthorized use of a stolen credit card, up to the limit of your policy
- Liability protection from covered claims made against you or a family member who resides with you for bodily injury or property damage
Amica home insurance discounts
Unfortunately, Amica doesn’t offer a long list of home insurance discounts. However, its policyholders have access to basic discounts, which are fairly consistent among insurance companies.
Policy discount
Loyalty
Have a policy with Amica for two or more years. The longer you have a policy with Amica, the more you save.
Multi-line
Bundle your home insurance policy with another Amica insurance policy.
Claim-free
Receive a discount after going claim-free for three years.
Auto pay
Set up automatic payments.
E-discount
Sign up to receive policy updates and bills by email.
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Safety discounts
Alarm system
Install a sprinkler system, fire alarm or burglar alarm.
New or remodeled home credit
Receive a discount when you insure a new or recently remodeled home.
Automatic detection devices
Insure a home that has a temperature monitoring system, or a gas leak or water leak detection system.
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Amica insurance reviews and ratings
Metric | Value |
|---|---|
| A.M. Best Financial Strength Rating | A+ |
| NAIC Complaint Index (Auto) | 0.77 |
| NAIC Complaint Index (Home) | 0.32 |
Amica’s customer reviews are overwhelmingly positive for both auto and home insurance. Customers cite friendly agents who go out of their way to make themselves available to policyholders. In fact, Amica ranked first in J.D. Power’s 2021 New England Customer Service Satisfaction Study, and fourth in the U.S. Auto Claims Satisfaction Study. Amica also ranked first in its Home Insurance Satisfaction Study.
Amica policyholders can expect a smooth claims process for auto and home insurance. The National Association of Insurance Commissioners reports that Amica has better-than-average Complaint Index scores for both homeowners and auto insurance — 0.77 and 0.32, respectively. These numbers mean that Amica receives considerably fewer complaints than the typical insurance company.
While Amica isn’t as large as some national insurance companies, it has an exceptional ability to pay out claims. Amica received a rating of A+ from A.M. Best, which awards letter grades based on a company’s ability to meet its financial obligations. The A+ signifies that Amica has excellent financial health, and is the second-highest rating available.
Frequently asked questions
Is Amica expensive?
Amica is on the affordable side for both auto and home insurance. For a sample customer, Amica was the cheapest option for home insurance and only more expensive than Geico for auto insurance.
Which is better, Geico or Amica?
Geico and Amica have comparable prices for auto and home insurance. However, Amica's customer service is better rated than Geico's.
Is Amica worth the money?
Yes. We think Amica is an affordable insurer with great customer service, so it's definitely worth the money if you decide it's the right insurer for you.
Methodology
To understand how Amica stacks up against its competitors, ValuePenguin gathered quotes for Amica and other top insurers in Rhode Island. All rates are statewide averages for an insurance shopper with average credit, and no recent claims or driving infractions on their record.
Our analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should only be referenced for comparative purposes.
FAQs
Is amica good at paying claims? ›
Amica ranked better than most other companies for both auto insurance shopping and auto insurance claims customer satisfaction, ranking #3 and #1 respectively on J.D. Power's 2022 auto insurance studies.
Is Amica a legit company? ›About Amica
5 in our Best Homeowners Insurance Companies of 2023 ratings, tied with American Family Insurance. It is also No. 5 in our Cheapest Homeowners Insurance Companies of 2023 ratings. Based in Rhode Island, Amica started in 1907 as the Automobile Mutual Insurance Company of America.
U.S. News Rating
USAA is the best insurance company in our ratings. According to our survey, USAA customers report the highest level of customer satisfaction and are most likely to renew their policies and recommend USAA to other drivers.
Auto insurance takeaway: Amica's rates for car insurance are on the high side, with prices far higher than we found at Geico, Progressive or Allstate. But its service is very highly rated by drivers. Home insurance takeaway: Amica's home insurance prices are about average, but its claims service is well-rated overall.
Which insurance company is best for claim settlement? ›Max Life Insurance has the highest claim settlement ratio in terms of the number of claims with 99.34 per cent for the year 2021-22. With a 99.09 per cent death settlement ratio, Exide Life insurance and Bharti Axa Life Insurance bagged the second position.
Why do insurance companies refuse to pay claims? ›Companies will refuse to approve your request for compensation if your claim lacks support and evidence. The insurer may justify its denial by claiming that it believes your injuries were pre-existing at the time of the accident or that your own conduct made the injuries worse.
Is Amica home insurance expensive? ›In general, Amica home insurance is not expensive — its average monthly rate of $146 is 8% cheaper than the national average. However, how much you pay for home insurance with Amica will vary greatly depending on your home, dwelling coverage limit, where you live, claims history, and other factors.
Who is Amica owned by? ›Amica is a mutual insurance company, meaning it is owned entirely by its policyholders. Amica policyholders get coverage without a large markup for profits, and they share in the earnings from investments and premiums by receiving dividends. Amica is the oldest mutual insurer of cars in the United States.
What company owns Amica? ›Amica Property and Casualty Insurance Company – A wholly owned subsidiary of Amica Mutual Insurance Company that provides auto insurance in selected states around the country.
Which car insurance has best claim settlement ratio? ›ICICI Lombard General Insurance Co.
The company has a tie-up with more than 5600 garages across India and has a motor insurance claim settlement ratio of 92.2% within 30 days of claim intimation.
Is it worth making an insurance claim? ›
It's crucial to file a claim for major property damage and bodily injuries. A claim might not be worth it for one-car accidents when nobody is hurt. A bad driving record could increase your auto insurance premiums for three years.
What is the maximum an insurance company will pay for a claim? ›What are insurance limits? Also known as your coverage amount, your insurance limit is the maximum amount your insurer may pay out for a claim, as stated in your policy. Most insurance policies, including home and auto insurance, have different types of coverages with separate coverage limits.
How do I get the best out of my insurance claim? ›- Tip 1: Keep a record of conversations. ...
- Tip 2: Get your policy documents. ...
- Tip 3: Prove your insurance claim and then prove it again (if necessary) ...
- Tip 4: Request documents. ...
- Tip 5: Make a complaint. ...
- Tip 6: Seek advice early. ...
- Tip 7: Request an internal review. ...
- Insurance claim advice.