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LendingTree is compensated by companies on this site and this compensation may impact how and where offers appear on this site (such as the order). LendingTree does not include all lenders, savings products, or loan options available in the marketplace.

Amica Car and Home Insurance Review (2024)

Published on:
Content was accurate at the time of publication.

Amica offers top-level customer satisfaction, numerous discounts and a wide range of add-ons to customize your auto and home insurance coverage.

Find the Cheapest Car Insurance Quotes in Your Area


 Wide range of discounts

 Excellent customer satisfaction

 Good auto insurance upgrade package

 Live chat customer service

 Home insurance rates lower than national average


 Car insurance rates are higher than national average

 Not available in Alaska, Hawaii and Washington, D.C.

 Complaint rating could be better

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

RatingAmica’s scoreIndustry average
Overall auto satisfaction (higher is better)909878
Overall home satisfaction (higher is better)903874
Auto complaint rating (lower is better)NA1.0
Home complaint rating (lower is better)0.331.0
Financial StrengthA+A+ is the second-highest rating

Sources: J.D. Power, NAIC, AM Best

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

CompanyFull coverageLiability 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
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.

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

CompanyClean recordTicketAccidentDUI
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
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.

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

CompanyFull coverageLiability 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
AAA$9,111 $4,075
Farmers$9,354 $4,227

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

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.

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

CompanyAnnual rate
State Farm$2,427
U.S. average$2,801
Country Financial$2,827
American Family$3,072

Find the Cheapest Home Insurance Quotes in Your Area

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.

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

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