Brief History of Amica
Founded in 1907 in Providence, Rhode Island, the Automobile Mutual Insurance Co. of America (Amica) started by offering three coverages: auto, fire and theft. Roughly three decades later, Amica opened its first branch in Boston. In 1956, the insurer expanded its offerings to home, marine and personal liability excess coverage. In 2007 Amica celebrated its 100th anniversary.
Today, Amica is headquartered in Lincoln, Rhode Island, and services about 1.4 million policies.
What States Does Amica Car Insurance Operate In?
Amica operates in Washington, D.C., and all states except Hawaii.
Amica Car Insurance Rates vs. Competitors
Forbes Advisor analyzed Massachusetts car insurance costs for Amica compared to top insurers from our list of the best car insurance companies.
Amica Car Insurance Costs for Good Drivers
Amica’s car insurance costs are a bit high for good drivers in Massachusetts. Amica’s rates come in at around $120 above the average of $1,874 per year among the insurers we analyzed.
| Company | Average annual cost for good drivers in Massachusetts |
|---|---|
| $900 | |
| $1,319 | |
| $1,579 | |
| $1,835 | |
| Amica | $1,995 |
| $2,721 | |
| $2,771 |
Amica Car Insurance Cost for Drivers With a Speeding Ticket
Amica’s rates for drivers with a speeding ticket are a tad high in Massachusetts. Amica’s costs are $2,364 per year, while the average for the top insurers we evaluated was only $2,216 per year.
Because insurance companies calculate rates differently, it’s wise to compare car insurance quotes if you have a ticket on your record.
| Company | Average annual cost for drivers with a speeding ticket in Massachusetts |
|---|---|
| $1,042 | |
| $1,477 | |
| $1,832 | |
| Amica | $2,364 |
| $2,443 | |
| $2,771 | |
| $3,580 |
Related: Does a Speeding Ticket affect your insurance
Amica Car Insurance Cost for Drivers Who Caused an Accident With an Injury
Amica’s costs for car insurance are higher than average for drivers who caused an accident with injury in Massachusetts. Amica costs nearly $400 more than the average of $3,043 a year among the companies we reviewed.
| Company | Average annual cost for drivers who caused an accident with injury in Massachusetts |
|---|---|
| $1,418 | |
| $2,115 | |
| $2,295 | |
| $2,792 | |
| Amica | $3,411 |
| $4,308 | |
| $4,960 |
Related: How much does insurance increase after an accident
Amica Car Insurance Cost Comparison for Adding a Teen Driver
Amica’s auto insurance rates for adding a teen driver are about $260 more than the average of $2,712 a year in Massachusetts, among the companies we analyzed.
Adding a teen to your car insurance policy can be pricey. Parents typically pay more than $2,000 a year to add a 16-year-old driver to their insurance.
| Company | Average annual cost for adding a teen in Massachusetts |
|---|---|
| $991 | |
| $2,068 | |
| Amica | $2,975 |
| $3,054 | |
| $3,121 | |
| $4,061 |
Amica Car Insurance Cost Comparison for Young Drivers Ages 18 to 25
Amica’s car insurance rates are a bit high for drivers ages 18 and 25 in Massachusetts. The average for young drivers is $3,392 per year among the insurance companies we analyzed.
The costs below are for young drivers on their own auto insurance policies. To lower rates, try keeping a young driver on a parent’s policy as long as possible and ask about discounts that students can qualify for.
| Company | Average annual cost for young drivers in Massachusetts |
|---|---|
| $1,504 | |
| $2,126 | |
| $2,477 | |
| Amica | $3,351 |
| $4,069 | |
| $4,073 | |
| $5,445 |
Related: Auto insurance for young drivers
Amica Car Insurance Cost Comparison for Senior Drivers Ages 65 to 80
Amica has high auto insurance rates for drivers 65 to 80 compared to top competitors in Massachusetts. The state average is $1,700 a year, based on our analysis of large insurers. Amica is nearly $400 a year above the average.
| Company | Average annual costs for senior drivers in Massachusetts |
|---|---|
| $706 | |
| $1,058 | |
| $1,398 | |
| $1,884 | |
| Amica | $2,084 |
| $2,156 | |
| $2,616 |
Related: Auto insurance for seniors
Auto Insurance Complaint Levels Against Amica
Amica has a low level of auto insurance complaints based on complaints made to state insurance departments across the country. Amica’s complaints are on par or slightly lower than many competitors and are also below the industry average.
Amica’s most common auto insurance complaints are related to claim delays, unsatisfactory claim settlement offers and rates.
Amica’s Grade From Collision Repair Professionals: B+
In a survey of collision repair professionals by CRASH Network, Amica earned a B+ grade.
The opinions of auto body repair professionals are valuable because they have an insider’s view of insurance companies’ use of lower-quality repair parts, whether insurers encourage proper repair procedures, and whether car insurance companies have rapid and satisfactory claims processes for customers.
Does Amica Offer Accident Forgiveness?
Yes, Amica offers accident forgiveness. If you’re worried about a rate increase following an accident, Amica offers “Accident Forgiveness with Good Driving Rewards.” With Good Driving Rewards, you earn Advantage Points that you can later use to lower your insurance costs after a crash.
To earn Advantages Points, you can:
- Buy a new policy.
- Go a year with a clean driving record.
- Refer someone to Amica.
- Renew your current policy.
If you get in an accident, you can use your points to eliminate your deductible or prevent a rate increase. In addition, Advantage Points never expire, so you can continue to build them up over time.
Does Amica Offer a Diminishing Deductible?
No, Amica doesn’t offer a diminishing deductible option to add to your policy. Some auto insurance companies offer a diminishing deductible (also called a vanishing deductible) that lowers your deductible if you don’t get into at-fault accidents or receive tickets for a period of time.
Does Amica Offer Gap Insurance?
Yes, Amica offers new car owners gap insurance. Folks who lease or finance their vehicles can find gap insurance, also called loan/lease insurance, helpful. If your car is totaled, this coverage will pay you the difference between the car’s depreciated value and the lease or loan amount you still owe. You must buy it within 30 days of your car purchase or lease.
Does Amica Offer New Car Replacement?
Yes, Amica offers new car replacement. Amica will replace your new vehicle with another new one if it’s totaled in an accident. Eligible cars must be less than one year old and have fewer than 15,000 miles.
Amica’s new car replacement is part of its Platinum Choice Auto policy package or you can add it as an individual coverage to your standard policy.
Does Amica Offer SR-22s?
Yes, Amica offers SR-22 filings. This can vary by state, so check with an agent if you need SR-22 insurance.
An SR-22 is a certificate certain states can require to prove you have car insurance coverage. Drivers who need an SR-22 usually have a conviction for a serious offense, such as driving without insurance or a DUI. The state will notify you if you are mandated to file an SR-22.
Does Amica Offer Usage-Based Insurance?
Yes, Amica has a usage-based insurance program called StreetSmart. It tracks your driving through a smartphone app.
Amica customers get a discount for signing up and may be eligible for more discounts at their next policy renewal if they show good diving behavior. Amica’s StreetSmart usage-based insurance program looks at the following:
- Hard braking
- Phone distraction (phone use and phone screen tapping)
- Road type
- Speeding
Amica customers using StreetSmart can also earn rewards for safe driving. Higher driving scores lead to more rewards, which come in the form of e-gift cards or a donation to specific charities, such as the Special Olympics.
Does Amica Offer Pay-Per-Mile Insurance?
No, Amica doesn’t offer a pay-per-mile car insurance option. Other insurance companies have pay-per-mile coverage, which includes a base insurance rate plus a per-mile rate. These types of policies are suitable for drivers who don’t use their cars often.
More Car Insurance Benefits from Amica
Full glass coverage: This add-on benefit pays to repair or replace your windshield, windows and other auto glass without a deductible.
Rental reimbursement: If your car is in the shop for repairs due to a problem covered by your policy, rental reimbursement insurance pays for transportation costs. This can cover the expense of rental cars, ridesharing services, taxis, trains and buses. Coverage varies by state, but most Amica policies offer $20 per day and up to $600 total.
Roadside assistance: Roadside assistance coverage provides help if you need to charge a dead battery, fix a flat tire, run out of gas, or get stuck in snow or mud, or need a tow to a repair shop.
Amica Platinum Choice Auto
If you want top-of-the-line auto insurance that includes a range of coverage types packaged together, Amica offers Platinum Choice Auto insurance. With Platinum Choice Auto, you receive additional coverage that includes:
- Credit monitoring services.
- Glass repair or replacement.
- New car replacement.
- Rental car coverage with no daily limits.
Amica’s Auto Insurance Discounts
Amica offers a variety of discounts to help drivers save on their coverage, such as:
- Accident-free discount: For customers who have gone three years without filing a claim.
- Adaptive headlight discount: For vehicles with headlights that adapt to low-light driving conditions.
- Anti-theft discount: Given to vehicles with anti-theft features, such as car alarms.
- Autopay discount: For customers who make automatic payments.
- Bunding discount: For buying two insurance policies, such as homeowners and auto.
- Defensive driver training discount: For customers who complete an eligible driving course.
- Electronic stability controls discount: Given to vehicles equipped with stability controls that help cars maneuver through icy or wet roads.
- Forward-collision warning discount: For vehicles that have collision-avoidance features to help you avoid crashes.
- Good student discount: Ask for this if you have a student on your policy age 15 to 25 who has a “B” average or higher.
- Legacy discount: For drivers whose parents have had a policy with Amica for over five years (must be under age 30 to qualify).
- Loyalty discount: Provided to drivers who have been with Amica for two years or more.
- Multi-car discount: For insuring more than one car with Amica.
- Paid in full discount: Given to customers who pay their full premium for the term upfront.
- Paperless discount: Save by receiving statements and documents electronically.
- Passive restraint discount: For vehicles with passive restraints such as airbags.
- Student away from school discount: Ask for this if you have a full-time student on the policy who lives away at school without a vehicle.
- Young driver training discount: Available to drivers under age 21 who complete an accredited driver training program.
J.D. Power Ratings of Amica Car Insurance
Amica ranked the highest in overall customer satisfaction for the second consecutive year, scoring 909 (on a 1,000-point scale) in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study. This study surveys consumers who filed an auto insurance claim within the last nine months.
In J.D. Power’s 2023 U.S. Auto Insurance Study, Amica was the second highest-ranking auto insurer in the New England region, scoring 833 out of a 1,000-point scale. Geico was first, scoring 836. This study measures customer satisfaction with car insurance companies in 11 regions in the U.S.
Other Insurance from Amica
In addition to car insurance, Amica sells:
- Boat insurance
- Condo insurance
- Flood insurance
- Home insurance
- Life insurance
- Motorcycle insurance
- Pet insurance
- Renters insurance
- RV insurance
- Small business insurance
- Umbrella insurance
- Wedding and event insurance
Methodology
Unless otherwise noted, rates are based on a 40-year-old female driver with a clean record insuring a new Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability (known as 100/300/100), uninsured motorist coverage and any other coverage required in the state. Rates also include collision and comprehensive insurance with a $500 deductible. Source: Quadrant Information Services.
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