Our take

Amica ranked No. 10 in our comparison of the best car insurance companies for 2024. It is widely available and can be a one-stop shop for most of your insurance needs, but its premiums were on the more expensive end of the spectrum and it didn’t rate highly for customer satisfaction.

Amica is a good one-stop shop for most of your insurance needs, from car to home and life policies. But if you’re looking for a bargain on insurance premiums, it may not be your first choice.

In contrast to our survey findings, research firm J.D. Power gave Amica its highest marks for auto claims satisfaction in its 2024 review of major car insurance providers. Amica has a low volume of complaints with the National Association of Insurance Commissioners (NAIC).

States where Amica offers coverage

Amica offers car insurance in every state with the exception of Hawaii. 

What does Amica car insurance cover?

Amica offers a full line of car insurance policies to meet most drivers’ needs, as well as policies for home, life, business and retirement planning.

All primary car insurance coverage options are available:

• Liability
• Collision
• Comprehensive
• Personal injury protection (PIP) and medical payments (MedPay)
• Uninsured and underinsured motorist coverage

Additional coverage offerings:

• Roadside assistance
• Rideshare coverage
• Full glass coverage
• Rental car reimbursement
• New car replacement
• Gap insurance
• Platinum Choice Auto is a package upgrade that includes no-deductible glass repair or replacement, credit monitoring, new car replacement and prestige rental car coverage.

How does Amica insurance rank?

Amica ranked No. 10 overall in our annual survey of the top 15 car insurance providers. Its premiums were among the most expensive and its customer satisfaction score was lower than average.

On the flip side, consumer research firm J.D. Power gave Amica its highest rating among major carriers for auto claims satisfaction. 

Here's a look at how it compares to a selection of other car insurance providers.

*The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.

How much is Amica car insurance?

Average full coverage rates for a 40-year-old driver with Amica are $2,216 per year or $185 per month. That compared to $1,480 per year at Erie, which had the cheapest premiums in our survey, and $2,509 per year for Allstate, another major carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. that was at the pricier end.

Here is a comparison of rates with several major competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.

Amica car insurance rates by state

Insurance rates are based on several factors, such as age, gender, credit rating and the type of car you drive. One of the biggest factors, however, is where you live. 

Average rates by state vary. Some states have considerably higher insurance rates due to factors like severe weather and higher litigation costs. 

Drivers in Connecticut, for example, will find they need to pay a little more car insurance with Amica, while those in Massachusetts will, on average, pay a little less.

Here’s a sample of Amica car insurance rates from selected states for a 40-year-old male or female driver.

Amica insurance rates for teens

Teen drivers are the most expensive to insure and that holds true for Amica. Rates start to decrease at age 20. The average cost of an Amica policy for drivers aged 16-19 is $6,697.

Here's what a teenage driver can expect to pay annually with Amica compared to average rates for a young and 40-year-old adult.

Amica insurance rates for adults

As you age, insurance premiums will steadily decline until about age 65. Of all age groups we reviewed, adults at age 55 will pay the lowest rates with Amica at $2,083 a year.

Here’s what adults can expect to pay on average for full coverage car insurance with Amica at various ages.

Amica insurance rates for seniors

Around age 65, drivers start to see auto insurance rates increasing.

Car insurance companies base their rates on risk profiles, and unfortunately, there is evidence that driving becomes riskier as we age. This may be related to slower reflexes, weaker eyesight, or other factors and will certainly vary from driver to driver.

For that reason, expect to see your rates begin to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens.

Here’s what senior drivers can expect to pay with Amica at various ages.

Amica insurance rates by driver profile

Insurers are very good at crunching data to get accurate risk profiles of drivers at every age, stage of life and gender. Your driving record is another good indicator of risk; past tickets and accidents indicate the likelihood of more in the future.

They also consider factors you may not have considered, such as credit rating. A poor credit score may be an indicator of your ability to keep up with premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. payments and Amica is tough on drivers with poor credit.

Here’s a look at what drivers with common negative marks on their profiles can expect to pay annually for full coverage insurance with Amica, based on a 40-year-old driver. Poor credit will cost you more with Amica than either a speeding ticket or an accident.

Amica insurance discounts

Amica's basic insurance premiums are on the more expensive side, but it offers a wide range of car insurance discounts to help lower your rate.

Discounts are offered for bundling policies, installing safety devices, and taking driver training courses. Discounts range from about 5% to 30%, and it is possible to qualify for multiple discounts.

Amica car insurance policy discounts include the following:

• Multi-car and multi-policy discounts
• Installed car safety equipment
• Accident-free driving
• Young driver training
• Defensive driver training
• Up front annual payment
• Going paperless
• Good student discount
• Loyalty
• Going away to college discount

Sources & Methodology

Methodology

Insurance.com editors in 2024 collected rates from Quadrant Information Services for a 40-year-old male and female driving a 2023 Honda Accord LX for state minimum coverage, liability only with 50/100/50 limits and a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductible. Rates were gathered for multiple driving records and different credit levels. The rates presented are the average of rates for males and females. We analyzed 53,409,632 quotes, 34,588 ZIP codes and 170 insurance companies nationwide.

Sources

Amica. “Auto insurance.” Accessed August 2024.our home, car and perhaps life with the company, they will be around to fulfill their end of the bargain.

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