Amica Insurance: A Good Choice for Bundling
- Cheap home insurance
- Excellent customer service ratings
- Several discounts
- Auto gap coverage available
- Extra protections for electronic devices
- Expensive car insurance
- No discounts for military service
- Limited ID theft protections
Is Amica a good insurance company?
Amica is a good insurance company for flexible coverage and responsive customer service. Its car insurance rates are higher than the national average, but its home insurance rates are lower. This can make it a good deal if you bundle, or combine your home and auto policies, with Amica.
Amica has excellent satisfaction scores for home, auto and renters insurance from J.D. Power
Amica lets you choose between traditional and dividend policies. Traditional policies cost less up front. However, dividend policies may save you money in the long run, depending on the company’s financial performance.
How much is Amica car insurance?
Amica charges $107 a month for liability insurance
Amica car insurance rates vs. other companies
| Company | Monthly liability | Monthly full coverage | LendingTree score | |
|---|---|---|---|---|
 | Travelers | $59 | $135 |  |
 | State Farm | $56 | $144 | |
 | American Family | $51 | $146 |  |
 | Progressive | $69 | $160 | |
 | Geico | $65 | $173 |  |
 | Nationwide | $76 | $190 |  |
| Amica | $107 | $235 | |
 | Allstate | $104 | $248 | |
 | AAA | $93 | $255 |  |
 | Farmers | $101 | $258 | |
Your actual rate depends on factors like your driving record, location and vehicle. In most states, your credit history also impacts your rate.
Each company treats these factors differently and offers different car insurance discounts. It’s good to compare car insurance quotes from a few companies to find the cheapest rate for your situation.
Amica auto insurance costs with a bad driving record
Amica car insurance can get expensive if you have a bad driving record. Its rates average $252 a month after a speeding ticket. This is 62% higher than State Farm’s rate of $156 a month. Amica’s rate of $365 a month after an at-fault accident is more than double State Farm’s rate.
Auto rates with bad driving record
| Company | Clean record | Ticket | Accident | DUI |
|---|---|---|---|---|
| State Farm | $144 | $156 | $163 | $343 |
| American Family | $146 | $173 | $237 | $270 |
| Travelers | $135 | $181 | $195 | $224 |
| Progressive | $160 | $213 | $238 | $208 |
| Geico | $173 | $233 | $296 | $404 |
| Nationwide | $190 | $244 | $299 | $416 |
| Amica | $235 | $252 | $365 | $830 |
| Allstate | $248 | $295 | $406 | $379 |
| Farmers | $258 | $338 | $400 | $434 |
| AAA | $255 | $365 | $418 | $542 |
Young driver car insurance rates from Amica
Amica also tends to have expensive car insurance for teens. The company charges young drivers $401 a month for liability insurance and $842 a month for full coverage. Both are more than twice the rates available from State Farm.
Teen car insurance rates
| Company | Liability | Full coverage |
|---|---|---|
| State Farm | $168 | $396 |
| Geico | $181 | $444 |
| Travelers | $200 | $441 |
| American Family | $223 | $569 |
| Progressive | $241 | $601 |
| AAA | $263 | $664 |
| Nationwide | $264 | $602 |
| Allstate | $297 | $679 |
| Farmers | $364 | $827 |
| Amica | $401 | $842 |
Amica gives young drivers discounts for getting good grades and completing driver training. Parents get a discount for sending a young driver off to college without a car. If you’re under 30, you can get a discount if your parents have been with Amica for at least five years.
Car insurance discounts from Amica
Amica offers a few more discounts than most other car insurance companies. These can help bring its rate down to more reasonable levels, if you qualify for enough of them.
You’ll save the most by bundling your car insurance with another Amica insurance policy. Insuring two more more vehicles can help you save up to 25%.
Amica also has discounts for:
- Avoiding claims
- Vehicles with an anti-theft device, collision avoidance or adaptive headlights
- Homeowners
- Fully paying for your policy up front
- Setting up autopay
- Going paperless
- Taking a defensive driving class
- Switching to Amica after two years with another company
Driving safely with Amica’s StreetSmart app can save you up to 20% more. This usage-based insurance app monitors how safely you drive. You get a 10% discount just for signing up. If you drive safely enough, you get another discount when you renew your policy.
Car insurance coverage options from Amica
Amica offers useful extras that let you customize your car insurance coverage. These include glass coverage that protects you from deductibles for window repairs.
It also offers gap insurance
How much does Amica home insurance cost?
Amica’s offers cheap home insurance with rates that average $1,830 a year. This is 35% less than the national average of $2,801 a year.
Amica home rates vs. other companies
| Company | Annual rate | LendingTree score |
|---|---|---|
| Amica | $1,830 |  |
| State Farm | $2,427 | |
| Allstate | $2,560 | |
| Progressive | $2,648 | |
| Nationwide | $3,055 | |
| American Family | $3,072 | |
| Travelers | $3,149 | |
| Farmers | $3,801 | |
| AAA | $6,140 |  |
Amica home insurance rates by state
The affordability of Amica homeowners insurance varies by state. It charges 37% less than the state average in New Hampshire and 28% less in Rhode Island. On the other hand, it charges 35% more than the average in Massachusetts.
Amica home rates vs. state averages
| State | Amica annual rate | State average | Difference |
|---|---|---|---|
| Connecticut | $2,020 | $2,618 | -23% |
| Massachusetts | $2,578 | $1,906 | 35% |
| New Hampshire | $1,114 | $1,760 | -37% |
| Rhode Island | $1,609 | $2,240 | -28% |
Home insurance discounts from Amica
Amica offers several home insurance discounts that help bring down its rates further. These include discounts for:
- Bundling
- Avoiding claims
- Setting up autopay
- Paying in full up front
- Going paperless
- Safety devices like burglar alarms and smoke detectors
- Monitoring systems for water or gas leaks
- New or remodeled homes
Amica’s home insurance coverage options
Amica’s standard home insurance policies are pretty basic. They cover your belongings at their actual cash value, after wear and age. They also only provide limited coverage for valuables like jewelry. However, you can customize your coverage with extras like:
- Replacement cost coverage for your possessions
- Enhanced protection for valuables
- Coverage for backups of your sewer or drains
- Electronic device protection
- Identity theft insurance
Home insurance typically covers electronics like laptops and tablets from covered perils like fire. Amica’s electronics coverage also protects against accidental damage.
Amica’s identity theft coverage is offered through a partnership with Cyberscout, a TransUnion Brand. It only provides credit monitoring if your wallet or handbag are stolen. Identity theft plans that provide ongoing credit monitoring are better.
You can add these and other upgrades to your homeowners policy individually. Or you can combine them in a Platinum Choice homeowners package.
How much is Amica renters insurance?
At $17 a month, Amica’s renters insurance rate is close to the national average of $18 a month.
Renters insurance rate comparison
| Company | Monthly rate | Annual cost |
|---|---|---|
| State Farm | $11 | $133 |
| Lemonade | $12 | $140 |
| Allstate | $17 | $203 |
| Amica | $17 | $204 |
| Progressive | $19 | $234 |
| Assurant | $22 | $267 |
| Farmers | $23 | $274 |
| American Family | $27 | $328 |
Amica’s renters insurance discounts
Amica’s renters insurance discounts are similar to the ones it offers for homeowners insurance. These include discounts for:
- Bundling
- Avoiding claims
- Setting up autopay and going paperless
Renters insurance coverage options from Amica
Amica offers basic renters insurance coverages and a few extras. The basics include protection for:
- Your personal property, or belongings, from fire, theft and other covered risks
- Loss of use, or temporary living expenses after a covered disaster
- Liability expenses if you hurt someone or damage their property
- Medical expenses for an injured guest
Amica also offers a few extras to boost your coverage. The most useful include:
- Enhanced coverage for valuables like jewelry
- Replacement cost coverage for your belongings
- Electronics coverage that guards against accident damage
- Protection for your belongings from a sewer or drain backup
Amica vs. other insurance companies
Other than high car insurance rates, Amica compares favorably to other companies. It has better satisfaction scores than most of its competitors, along with affordable home and renters insurance.
Insurance rating comparison
| Company | Auto satisfaction | Home satisfaction | Renters satisfaction |
|---|---|---|---|
| Amica | 735 | 705 | 711 |
| Allstate | 635 | 633 | 638 |
| Progressive | 621 | 627 | 648 |
| State Farm | 650 | 657 | 685 |
Amica vs. Allstate
Amica and Allstate have similar car insurance rates, but Amica has a few more discounts. Amica also charges 29% less for home insurance than Allstate, which can make it a cheaper option for bundlers. Amica is the better choice if you need gap insurance, which Allstate does not have.
Amica vs. Progressive
With full coverage rates of $160 a month, Progressive is is cheaper than Amica by about $900 a year for car insurance. However, Amica is about $800 a year cheaper for home insurance. This means you’ll only save about $100 a year by bundling with Progressive, before accounting for discounts.
Progressive offers a few more car insurance coverages than Amica. These include accident forgiveness
Amica vs. State Farm
State Farm’s car insurance rates are much cheaper than Amica’s rates. This means you may also come out ahead with State Farm if you bundle your car insurance with a home or renters policy. State Farm also offers many of the same coverage options as Amica. One exception is gap insurance, which you can’t get from State Farm.
How we obtained insurance rates
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Rates are based on an analysis of hundreds of thousands of home and auto insurance quotes. Renters insurance rates were evaluated separately.
Prices are shown for comparative purposes only. Your own rates may be different.
Unless noted otherwise, quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2018 Honda CR-V EX.
Car insurance coverage limits
Minimum-liability car insurance policies provide liability coverage with the state’s required minimum limits.
Full-coverage policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $50,000
- Uninsured / underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Personal injury protection: minimum limits, where required
- Collision: $500 deductible
- Comprehensive: $500 deductible
Homeowners insurance coverage limits
Homeowners insurance rates are based on policies with the following coverage and deductible amounts:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000
Renters insurance coverage limits
Renters insurance rates are based on policies with the following coverage and deductible amounts:
- Personal property coverage: $20,000
- Deductible: $500
- Personal liability: $100,000
- Guest medical protection: $1,000
- Loss of use: $9,000
How we evaluated Amica and other insurance companies
Our team of insurance experts rated insurance companies based on several categories. These categories include average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We weighted these categories based on what customers value in an insurance company.
For third-party customer service ratings, we included Complaint Index scores from the National Association of Insurance Commissioners (NAIC) and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.