Amica Insurance

Why choose Amica Insurance?

  • Forging strong relationships with customers has been Amica’s top priority since 1907.
  • Amica received an A+ (Superior) rating for financial strength and claims payment ability from AM Best Company.1
  • Amica earned 5 out of 5 stars in NerdWallet’s ranking of the best car insurance companies.2
  • Amica is dedicated to protecting the most important parts of its customers’ lives. They’ll listen carefully to you, and provide sound advice and recommendations based on your unique needs.
  • Amica is a mutual company, owned by its policyholders, so it puts you first.

Did you know...?

  • The company offers award-winning service and money-saving discounts, plus they make it easy to switch to Amica.
  • You’ll save up to 25% when you insure more than one car with Amica, and up to 15% when you combine auto plus home coverage.3
  • Amica representatives are available 24/7 for claims service.
  • Customer Service: 800-242-6422
  • Claims: 800-242-6422
  • Roadside Assistance: 866-286-9968
  • PO Box 9128, Providence, RI 02940-9128

What is Amica Auto Insurance?

Amica will change the way you think about insurance. It was founded over a century ago on the principles of world-class customer service, and that remains its focus today – with every phone call, every quote and every claim.

Policyholders stay with Amica for decades, and across generations. Ask an Amica customer what makes the company different, and you’ll hear about their consultative approach, the caring and knowledgeable representatives, and the amazing attention to detail.

A mobile-friendly website, digital self-service tools and 24/7 claims service give you options that fit your unique needs. And because of the company’s A+ (Superior) rating for financial strength and claims payment ability from AM Best Company,1 customers know that Amica is here to protect them.

Amica is a mutual insurer owned by policyholders, which means the company puts you first. And because Amica is a direct writer, you’ll deal directly with its representatives, not agents. From policy updates to prompt and fair payment of claims, Amica employees deliver on the company’s mission statement: to create peace of mind and build enduring relationships.

Discover the insurance company that delivers an experience that meets the highest standards: Yours.


1A.M. Best Company. Feb. 3, 2021. For the latest rating, access

2Based on March 2020 data

3Discounts may vary and may not be available in all states

How Does Amica Auto Insurance Work?

Amica Auto Insurance Payments

Amica offers several payment options. If you pay for your entire premium in full instead of opting to split your payments into monthly installments, you can get a discount on your insurance rates. However, if monthly payments fit your budget better, their AutoPay option will automatically charge you each time your bill is due, and you can get additional discounts for signing up for AutoPay. 

Signing up for paperless billing is another way to secure a discount – they’ll send your policy documents and bills electronically. 

Amica Auto Insurance Rate Increases

Like any auto insurance provider, Amica weighs several factors when determining your auto insurance rate. Amica’s MAIP rate determination identifies several factors that can affect your rate:

  • The auto bodily injury limit you had with your previous car insurance policy
  • The presence of adaptive headlights in your vehicle
  • Whether you have a forward collision warning system in your vehicle
  • Equipping your vehicle with electronic stability control

Amica also considers factors like whether you’ve taken an approved driver’s training class. 

Changes in your driving record, including speeding tickets and accidents, can cause your insurance rates to increase. However, Amica offers optional Accident Forgiveness coverage that can help to keep your rates from going up if you’re in an accident. This coverage may waive an accident surcharge, so your rates stay low. 

Amica Auto Insurance Claims

Amica makes it easy to quickly file your auto claim. You can report a claim by phone or log into your account to report a claim online. 

When you report a claim online they make it easy to upload and view your claim documents and track your claim’s process. It’s also possible to file your claim by chatting with a live representative online. Representatives are available Monday through Friday from 8:00 am to 6:00 pm ET, and on Saturdays from 10:00 am to 5:30 pm ET. 

Amica Auto Insurance Discounts

Amica offers multiple ways to save money on your car insurance:

  • Paid in full discount: Choose to make a one-time payment – instead of monthly payments – and save.
  • Auto-pay discount: Set yourself up automatic monthly payments and get a discount.
  • Anti-theft device discount: If your car has an alarm or tracker, you could save.
  • Safe driver discount: If you’re claim free, Amica can reward you with lower premiums.
  • Vehicle safety discount: Air bags? ABS? Choosing safety earns you savings.
  • Good student discount: Get rewarded for good academic standing.
  • Multi-car discount: Insure more than one car with Amica and get a discount

Amica Auto Insurance Coverage Options

Amica offers a wide variety of auto insurance coverage options that help you protect yourself, your car, and others. 

Medical Payments

These payments can cover accident-related expenses that you or your passengers might experience. They can cover costs like medical bills and funeral expenses. 

Personal Injury Protection

Personal Injury Protection helps to protect you and your passengers in a no-fault accident. It covers expenses like medical bills, lost wages, loss of services and funeral expenses. 

Bodily Injury Liability

If you’re ever at fault for an accident, Bodily Injury Liability coverage helps to cover expenses that others might experience because of their injuries. This coverage may pay for medical bills, lost wages, funeral expenses and pain and suffering. 

Property Damage

Your Property Damage coverage pays for any damage that you might cause to someone else’s vehicle or property like a house, telephone pole, or mailbox. 

Uninsured/Underinsured Motorist Bodily Injury

If the driver who hit your vehicle is uninsured or lacks enough coverage to pay for the damages you’ve sustained, this coverage makes up the difference. It can help to cover rental expenses and damage to your car.


Collision policies cover the cost of repairing or replacing your car if you’re involved in an accident. It will pay for expenses like towing, and vehicle replacement or repair. The coverage kicks into effect whether you’re at fault or if another driver caused the accident. 


Comprehensive coverage helps to pay for any damage to your car that wasn’t caused by an accident. This coverage can help to repair damage caused by fire, hail, hurricanes, fallen trees, natural disasters, theft, accidents involving animals, and rocks that other cars kick up. 

Auto/Loan Lease Coverage

If you still owe money on your vehicle’s loan or lease and you’re involved in an accident that totals your car, this coverage helps to pay the difference between what your main policy pays and how much you still owe. This is similar to a GAP insurance policy.

Full Glass Coverage

With full glass coverage, you won’t have a deductible if you need to repair or replace your windshield or window. The coverage includes small chip and crack repair, full glass replacement, and the recalibration of your vehicle sensors. 

Roadside Assistance

With 24/7 Roadside Assistance coverage, you’ll have the peace of mind of knowing that help will be on the way when you need it. This coverage can include towing, jump-starting dead batteries, delivering gas, changing flat tires, and unlocking your car doors if you’re locked out. 

Rental Reimbursement

Rental Reimbursement coverage helps to cover your vehicle rental costs if your car is in the shop or can’t be driven after an accident. It may cover rental cars, ridesharing, and public transportation costs. 

Accident Forgiveness

Accident Forgiveness coverage can help to lower your costs if you are in an accident. This coverage may help to reduce or eliminate your deductible, and it might even waive an accident surcharge, keeping your costs down.

Many of these coverages are just nice to have, but some are essential in order to fully protect you. With Amica, you can add on and remove options to design a plan that gives you the coverage you want while staying within your budget. 

Platinum Choice Auto

You can also choose Amica’s Platinum Choice Auto coverage. This premium coverage includes key elements that can help to reduce your expenses if your vehicle is in an accident, while also making repairing or replacing your vehicle more convenient: 

  • Deductible-free glass repair or replacement
  • Replacement of a totaled car with a new one
  • Rental coverage with no daily limit and a $5,000 maximum for your convenience if your car is damaged in an accident
  • Free credit monitoring

While these premium coverage options are included in the Platinum Choice Auto plan, you can also add any of these elements onto your base auto plan. 

Amica Auto Insurance Cost

How much is auto insurance for teen drivers?

The average auto insurance premium for teen drivers is $236/mo.

How much is auto insurance for retired drivers?

The average auto insurance premium for retired drivers is $125/mo.

How much is insurance for women vs. men?

Men pay an average monthly premium of $152/mo, while women pay slightly more at $158/mo. 

How much is insurance for married drivers?

Married drivers pay an average monthly premium of $151/mo. 

How much is insurance for non married drivers?

Single drivers pay an average monthly premium of $155/mo.

How much is insurance for drivers with a ticket on their record?

If you have a ticket on your record, you’ll pay an average of $170/mo for auto insurance. 

How much is insurance for drivers with an accident on their record?

Drivers with an accident on their record will pay around $176/mo. 

How much is insurance for drivers with multiple accidents on their record?

If you have multiple accidents on your record, expect to pay an average of $197/mo for your auto insurance policy.

Where is Amica Auto Insurance Available?

Founded in 1907, Amica is the oldest vehicle mutual insurer in the country. As a result, their auto insurance is widely available throughout the country. To find out if coverage is available in your location, you can enter your zip code on Amica’s site or call 800-242-6422 to speak with a representative.

Amica Auto Insurance Customer Reviews

Amica has a four-star rating on Consumer Affairs. Many reviews note the company’s excellent customer service, while some customers described a lack of communication from the company or a delayed response in processing claims. 

Samuel of Boca Raton, Florida, wrote, “AMICA is a wonderful insurance provider. I have been insured by them for homeowners and auto for over 30 years. Every contact with them leaves me with a positive impression as to how good they are. Claims processing has been trouble-free on the few occasions that I have needed them.”

P. of Raleigh, North Carolina, notes that she has moved 12 times in 26 years, reevaluating her insurance needs each time. “We stayed with Amica the entire time because with a good driving history, they kept our rates the lowest and we know from experience with accidents in the past, that they take care of you when you most need it.”

Pros and Cons of Amica Auto Insurance

If you’re considering Amica, it’s important to understand the pros and cons of the company. 

Pros of Amica

  • Easy claims process: You can file a claim by phone or online, making it a simple process
  • Largely positive reviews: Amica has a high customer satisfaction rating
  • Many money-saving options: They offer multiple ways to cut costs

Cons of Amica

  • Limited coverage in some states: While Amica is widely available in most states, some policies aren’t available in Alaska and Hawaii
  • Discounts aren’t available in all states: Amica’s terms identify that discounts aren’t available in all states, so you’ll need to inquire and find out what’s available in your location

FAQs About Amica Auto Insurance

Does Amica offer more than auto insurance? 

Yes, Amica offers a wide selection of insurance products: 

  • Auto insurance
  • Home insurance
  • Life insurance
  • Renters insurance
  • Flood insurance
  • Retirement insurance
  • Motorcycle insurance
  • Small business insurance

If you’re interested in multiple insurance products, you may be able to save money by getting multiple policies through Amica. 

Will my auto insurance cover items that are stolen from my car? 

Amica’s comprehensive coverage typically covers any items that were permanently installed in your car. If the items are something that you put in your car, your home insurance would typically cover those losses under your personal property coverage. 

How does Amica decide who’s at fault in an accident? 

Amica carefully investigates the facts surrounding an accident to determine who is at fault. That investigation might include reviewing your state’s driving laws, viewing the scene of the accident, contacting witnesses, and reviewing photos. 

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