Amica Car and Home Insurance Review (2024)
- Expertise: Auto insurance, home insurance and renters insurance
- Education: Sonoma State University (BA in English)
Aaron Besson has worked at LendingTree for more than seven years and has been a staff writer for the last five years. He specializes in producing research-backed content about auto, home and renters insurance. Aaron enjoys the deep dig into insurance data to get the right answers to hard questions. His work has been cited by CBS, iHeart Radio, the Sacramento Bee and Yahoo.
Amica offers top-level customer satisfaction, numerous discounts and a wide range of add-ons to customize your auto and home insurance coverage.
Pros
Wide range of discounts
Excellent customer satisfaction
Good auto insurance upgrade package
Live chat customer service
Home insurance rates lower than national average
Cons
Car insurance rates are higher than national average
Not available in Alaska, Hawaii and Washington, D.C.
Complaint rating could be better
Is Amica a good insurance company?
Amica’s average rate for auto insurance is higher than the national average. However, the company offers more discounts to drivers than many other insurers, and that can help make up the difference.
J.D. Power gave Amica a score of 909 out of 1,000 in its 2023 U.S. Auto Claim Satisfaction Study, the highest score that year. The study reflects how well a company handles claims-oriented processes like settlement, claim servicing, estimation and repair.
Amica received a score of 906 out of 1,000 in the J.D. Power 2024 U.S. Property Claims Satisfaction Study, again getting the highest score of companies ranked.
AM Best gave Amica an A+ for financial strength, indicating a stable capability to pay out on claims.
Amica’s customer service at a glance
| Rating | Amica’s score | Industry average |
|---|---|---|
| Overall auto satisfaction (higher is better) | 909 | 878 |
| Overall home satisfaction (higher is better) | 903 | 874 |
| Auto complaint rating (lower is better) | NA | 1.0 |
| Home complaint rating (lower is better) | 0.33 | 1.0 |
| Financial Strength | A+ | A+ is the second-highest rating |
Sources: J.D. Power, NAIC, AM Best
How much is Amica car insurance?
Amica has an average annual car insurance rate of $1,098 for liability car insurance and $2,548 for full-coverage insurance. For comparison, the national average rate for liability coverage is $772 a year, and the average rate for full coverage is $1,970.
Amica car insurance rate comparison
| Company | Full coverage | Liability coverage |
|---|---|---|
| USAA | $1,199 | $398 |
| Erie | $1,270 | $497 |
| State Farm | $1,487 | $597 |
| Travelers | $1,919 | $835 |
| American Family | $1,920 | $728 |
| Farm Bureau | $1,931 | $548 |
| Geico | $1,937 | $727 |
| Progressive | $2,032 | $791 |
| Nationwide | $2,226 | $963 |
| Amica | $2,548 | $1,098 |
| Allstate | $2,609 | $1,158 |
| Farmers | $3,091 | $1,188 |
| AAA | $3,835 | $1,520 |
Full-coverage car insurance policies usually include comprehensive and collision coverage along with liability. Together, these three types of coverage help pay for damage to your own car as well as damage and injuries you may cause to others.
Amica car insurance cost for a bad driving record
Drivers with a speeding ticket on their records pay an average rate of $2,739 a year for full-coverage auto insurance from Amica. Amica’s average rate after an at-fault accident is $3,943 a year. Amica charges drivers with a DUI (driving under the influence) conviction $8,905 a year, on average.
Amica average annual rate by incident
| Company | Clean record | Ticket | Accident | DUI |
|---|---|---|---|---|
| USAA | $1,199 | $1,457 | $1,658 | $2,252 |
| Erie | $1,270 | $1,456 | $1,597 | $2,172 |
| State Farm | $1,487 | $1,616 | $1,843 | $4,402 |
| Country Financial | $1,600 | $2,114 | $2,336 | $2,459 |
| Travelers | $1,919 | $2,468 | $2,699 | $2,893 |
| American Family | $1,920 | $2,352 | $2,980 | $3,114 |
| Farm Bureau | $1,931 | $2,191 | $2,662 | $3,343 |
| Geico | $1,937 | $2,493 | $3,341 | $4,584 |
| Nationwide | $2,226 | $2,839 | $3,460 | $4,376 |
| Amica | $2,548 | $2,739 | $3,943 | $8,905 |
| Allstate | $2,609 | $3,073 | $4,125 | $3,875 |
| Farmers | $3,091 | $4,252 | $4,598 | $4,758 |
| AAA | $3,835 | $4,925 | $6,454 | $7,867 |
Amica’s average rate for full-coverage car insurance after a DUI is the highest of the companies we surveyed. Its average rate is 146% higher than the average national rate after a DUI ($3,626).
One of the reasons for Amica’s higher rate after a DUI is that insurance companies weigh different risk factors (such as a DUI) differently. If a company sees a risk as a high priority, it can result in a higher rate. To make sure you’re getting the best rate for your situation, compare car insurance from several companies.
Amica car insurance rates for teens
If you’re looking for car insurance for an 18-year-old driver, Amica’s average rate is $9,052 a year for a full-coverage policy. The company charges 18-year-olds $4,071 a year for liability-only policies, on average.
Amica average car insurance rate for 18-year-old drivers
| Company | Full coverage | Liability coverage |
|---|---|---|
| Country Financial | $2,226 | $1,401 |
| USAA | $2,847 | $1,030 |
| Erie | $3,086 | $1,264 |
| State Farm | $4,128 | $1,811 |
| Farm Bureau | $4,451 | $1,574 |
| Geico | $5,048 | $2,044 |
| American Family | $5,413 | $2,364 |
| Travelers | $5,758 | $2,655 |
| Allstate | $7,668 | $3,399 |
| Nationwide | $7,743 | $3,371 |
| Progressive | $8,495 | $3,193 |
| Amica | $9,052 | $4,071 |
| AAA | $9,111 | $4,075 |
| Farmers | $9,354 | $4,227 |
Amica car insurance discounts
Amica offers many car insurance discounts to help make your policy cheaper. You can save money with Amica by:
- Bundling your car insurance with a home or life insurance policy
- Having more than one vehicle on your policy
- Having a car insurance policy with Amica for at least two years
- Staying claim-free for three years
- Owning a car with an anti-theft device, collision avoidance or adaptive headlights
- Owning a home
- Being a young driver that has completed approved driver training
- Being a good student with a B average or higher
- Being a student away at school but storing your car at home
- Passing a defensive driver course
- Paying your annual premium in full
- Signing up for autopay
- Opting to receive electronic policy and billing info
Amica car insurance coverage
Besides offering standard liability and full-coverage car insurance, Amica offers a wide range of add-on coverages as well.
Amica’s Platinum Choice Auto package includes:
- No-deductible glass repair or replacement
- Credit monitoring
- New car replacement if your car is less than a year old or has fewer than 1,500 miles
- Prestige rental car coverage with no daily limit
Amica also offers gap coverage. Gap coverage pays out the remainder owed on a financed or leased car after an accident.
How much does Amica home insurance cost?
Amica’s average home insurance rate is $1,830 a year. This is 34% lower than the national average homeowners insurance rate of $2,801 a year.
Home insurance rate by company
| Company | Annual rate |
|---|---|
| Amica | $1,830 |
| State Farm | $2,427 |
| Allstate | $2,560 |
| Progressive | $2,648 |
| U.S. average | $2,801 |
| Country Financial | $2,827 |
| Nationwide | $3,055 |
| American Family | $3,072 |
| Travelers | $3,149 |
Amica’s home insurance discounts
Amica offers many home insurance discounts that can lower your rate and save you money, including:
- Bundling your home insurance with auto or life insurance
- Having no claims in the past three years
- Have a policy with Amica for two years
- Signing up for electronic billing
- Signing up for autopay
- Paying your annual premium in full
- Insuring a new or remodeled home
- Installing a security system
You can save you a lot of money on a home insurance policy with the right discounts. Another way to save is to compare home insurance quotes from several companies before you settle on one.
What does Amica homeowners insurance cover?
Amica homeowners insurance covers the structure of your home as well as some other structures on the property, your personal belongings, loss of use and liability.
Other benefits of an Amica home insurance policy depend on whether you get the Standard Choice or Platinum Choice Home Coverage.
Amica’s Standard Choice Home Coverage
Besides offering standard home coverage, Amica’s Standard Choice plan offers these add-ons:
- Additional dwelling replacement cost
- Personal property coverage at replacement cost
- Water backup and sump overflow
- Special computer coverage
Amica’s Platinum Choice Home Coverage
The company’s Platinum Choice plan offers all the same coverages and add-ons as its Standard Choice plan, but also includes:
- Credit card coverage
- More coverage for high-value belongings like art or jewelry
- Business property coverage
- Increased liability coverage
Methodology
LendingTree uses insurance rate data from Quadrant Information Services using publicly sourced insurance company filings. Car insurance rates are based on an analysis of hundreds of thousands of quotes for a typical driver. Your own rates may be different.
Unless noted otherwise, car insurance quotes are for a full-coverage policy for a 30-year-old man with good credit and a clean driving record who drives a 2015 Honda Civic EX. Our sample teen driver is an 18-year-old male with a clean driving record.
Full-coverage car insurance policies include collision, comprehensive and liability coverage:
- Bodily injury liability: $50,000 per person, $100,000 per accident
- Property damage liability: $25,000
- Uninsured motorist: $50,000 per person, $100,000 per accident if required in that state
- Personal injury protection: Minimum limits if required in that state
- Collision: $500 deductible
- Comprehensive: $500 deductible
Homeowners policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Personal liability: $100,000
- Medical payments: $5,000
- Deductible: $1,000