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Amica Car Insurance Review

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Introduction

Automobile, home, renters, pet, and life insurance are all available via Amica Insurance. Founded in 1907, it is the oldest car insurance company in the United States. For homeowners and auto insurance, Amica ranks highly. In short, Amica is an acceptable option if you are in the lookout for the best car insurance.

Pros and Cons

Pros Cons
Competitive rates Doesn't use independent agents
Wide range of discount options Not all policies can be quoted online
Strong customer review profile No rideshare coverage

Unique Amica Auto Insurance Features

Amica's auto insurance policies include a number of freebies as standard. Here areafewofAmica’sinsurancefeatures:

  • If the glass does not need to be replaced, there is no charge for the repair.
  • Repairing an airbag that has been deployed is completely free.
  • If your keys are lost or stolen, you'll get a new lock for free.
  • If your new car is totalled within a year of the purchase date, depreciation will not be accounted for.
  • If you have to appear in court, $1,000 of your missing wages will be reimbursed to you.
  • Roadside assistance includes fuel delivery, tyre installation, towing, jump-starts, and lockout assistance.
  • If you're involved in a covered accident, you'll be reimbursed for the cost of a rental automobile. The average daily and annual limitations are $20 and $600, respectively. Unless you upgrade to the Prestige Rental Coverage, your rental car options are limited.
  • With or without a deductible, glass coverage pays for the repair or replacement of glass.
  • In the case of an insured accident, you may be eligible for reimbursement of your rental car expenses while your vehicle is being repaired.
  • When you owe more on your automobile than it's worth and it's totaled, gap insurance can help cover the difference.

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Amica Auto Insurance Coverages

Amica auto insurance coverages include:

  • Bodily injury and property damage liability (BI/PD)
  • Medical payments (MedPay)
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist (UM/UIM)
  • Collision insurance
  • Comprehensive car insurance

Platinum Choice Auto

Platinum Choice Auto is an option for those with Amica auto insurance. It's up to you whether or not you want to incorporate all of the improvements below in your plan.

  • Renting a car is made easier with the Prestige Rental Coverage option. A similar model to your own automobile can be selected with Prestige Rental Coverage, whether it's an SUV or a premium sedan. In addition, you'll be able to put a maximum of $5,000 down on your rental, with no daily cap.
  • Amica's Identity Fraud Monitoring service keeps a close eye on your credit reports and other personal data in the event of a fraud attempt. You can receive aid from a fraud expert if you notice something suspicious.
  • Deductibles for any sort of glass damage are completely waived with Full Glass Coverage option. An Amica-approved glass repair shop can also offer a lifetime warranty on the work they do on your windshield.
  • You can earn advantage points for safe driving through Amica's Good Driving Rewards programme, which offers Accident Forgiveness. Referring other drivers to Amica car insurance and renewing your own policy both earn you points. You can utilise your accumulated points to lower your deductible or even gain accident forgiveness if you accumulate enough of them.

To understand types of auto insurance coverage in detail, refer to our blog on auto insurance coverage in US.

Amica Auto Insurance Rates

AMICA Car Insurance Rates by Age

Age / Category Average Annual Rates
Single Males < / = 25 $ 997
Single Females < / = 25 $ 898
Married Couples in late 20's $ 890

Amica Auto Insurance Quotes based on Driver Profile

Driver Profile Average Quote
18-Year-Old $224 / month
21-Year-Old $129 / month
45-Year-Old $59 / month
45-Year-Old with a Speeding Ticket $72 / month
45-Year-Old with a DUI $191 / month
55-Year-Old $54 / month
65-Year-Old $68 / month

Amica 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.

Amica Complaints and Customer Satisfaction

Prior to going any further, it's worth noting that Amica came out on top in J.D. Power's 2021 US Auto Insurance Study. Amica has received remarkably positive feedback from customers on review sites. According to evaluations on different platforms, it has received an average rating of 4.6 out of five stars, with former customers describing it as having "excellent customer service" and "good value." Also, Amica obtained an "A+" (Superior) rating from AM Best recently.

Way.com Summary

We would give Amica car insurance a 4/5 ratings. Amica is the oldest car insurance company in US that has lasted so long because of their efficient work. Amica is a good choice if you want high-quality auto insurance with a lot of flexibility to tailor it to your specific needs.

Even if you're confident that you're not overpaying for auto insurance, it's always a good idea to look around for the best deal. You can ensure that your vehicle insurance coverage is exactly what you need and what you can afford by comparing providers, their services, their policy "extras," and the prices they want you to pay.

About Amica Car Insurance

Insurance for vehicles and residences, life, renters, condominiums, boats, and motorbikes, as well as personal liability and businesses, are all available through Amica's 44 offices around the United States.

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A Brief History of Amica

The Automobile Mutual Insurance Company of America (Amica) was founded in Rhode Island in 1907 as a mutual insurance company. After introducing homes policies in 1956, the company renamed itself Amica Mutual Insurance Company and expanded its product line.

Amica’s Charitable Causes

Amica Companies Foundation supports qualified, federally tax-exempt 501(c)(3) organizations, as defined by the Internal Revenue Service Code. Grants are generally restricted to community-based organizations serving Rhode Island residents.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

Is Amica car insurance good?

It's true that Amica isn't the biggest insurer in America, but it's mighty when it comes to customer service, with consistently good ratings and minor complaints.

How much is Amica car insurance?

The average car insurance premium from Amica is $1,380 per year for a full coverage policy, according to sample rates available.

Is Amica too expensive?

Location, driving history, car, and the number of individuals covered by the policy all play a role in determining the cost of insurance for every given applicant. According to the average price of auto insurance, Amica is more expensive than the majority of providers. Amica isn't the best option if you're seeking affordable car insurance premiums.

Does Amica provide car insurance discounts?

Yes, Amica provides a variety of car insurance discounts.

Amica or The General, which is better?

The General car insurance is better than Amica car insurance overall. Even though Amica has a strong consumer response, The General got better affordable rates comparatively.

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