Comprehensive Guide to Amica Insurance Review
Amica Car Insurance Reiew
Amica car insurance continues to be a top-rated provider, Known for its comprehensive coverage options, Amica provides policyholders with standard protection along with additional benefits like roadside assistance, gap insurance, glass coverage, and rental reimbursement. Drivers in certain states may also benefit from accident forgiveness (Good Driving Rewards), which can help protect against premium increases after an at-fault accident.
One of Amica’s standout features is the Platinum Choice Auto package, which includes:
- Glass repair/replacement with no deductible
- Credit monitoring services
- New car replacement coverage
- Rental coverage with no daily limit
Amica car insurance is available in every state except Hawaii. Drivers interested in obtaining a quote can visit Amica.com or call 1-800-242-6422. However, online car insurance quotes are unavailable in Louisiana, requiring residents to call an agent for details.
Pros and Cons of Amica Car Insurance
✅ Pros:
- Accident forgiveness available in some states
- New car replacement if a vehicle is totaled within the first year
- Robust and customizable coverage options
❌ Cons:
- No online quotes in Louisiana
- No coverage in Hawaii
- Higher than average full coverage rates
- No rideshare insurance
Amica Car Insurance Cost & Discounts
How Much Does Amica Car Insurance Cost?
Using proprietary data from Quadrant Information Services, Amica’s full coverage auto insurance averages $3,180 per year, while minimum coverage costs about $763 per year. The national averages are $2,638 and $767, respectively. However, rates vary based on factors like driving history, age, location, and credit score.
Amica Car Insurance Quotes by Driver Profile
| Driver Profile | Amica Full Coverage Premium | National Average |
|---|---|---|
| Good driver, good credit | $3,180 | $2,638 |
| Good driver, poor credit | $8,400 | $4,644 |
| Speeding ticket | $3,914 | $3,204 |
| At-fault accident | $3,816 | $3,774 |
| DUI conviction | $9,154 | $5,106 |
Auto insurance rates fluctuate frequently. For updated rates, visit Amica.com.
Amica Car Insurance Quotes by Age
| Age | Amica Full Coverage Premium | National Average |
| 16 | $6,344 | $5,675 |
| 18 | $5,843 | $4,894 |
| 20 | $7,216 | $5,374 |
| 25 | $3,916 | $3,251 |
| 30 | $3,290 | $2,813 |
Young drivers may receive lower rates if they remain on a parent’s policy rather than purchasing their own.
Amica Home Insurance Review
Amica home insurance earned a ranking among the best home insurance providers for its robust coverage options and customer satisfaction. However, it lost points due to its higher-than-average premiums.
Amica offers HO-3 and HO-5 home insurance products:
- Standard Choice (HO-3): Ideal for those seeking basic coverage with add-on options like extended replacement cost, personal property replacement, water backup coverage, and special computer coverage.
- Platinum Choice (HO-5): Includes extended liability, credit card coverage, business property coverage, and increased loss assessment protection.
Pros and Cons of Amica Home Insurance
✅ Pros:
- Highly customizable policies
- Top-tier customer service (ranked 2nd in J.D. Power’s 2023 Home Insurance Study)
- A+ (Superior) financial strength rating from AM Best
❌ Cons:
- Unavailable in Alaska, Florida, and Hawaii
- Cannot make policy changes via the Amica mobile app
Amica Home Insurance Cost & Discounts
| Dwelling Coverage | Amica Average Premium | National Average |
| $150K | $854 | $1,344 |
| $300K | $1,411 | $2,181 |
| $350K | $1,566 | $2,430 |
| $450K | $1,884 | $2,934 |
| $750K | $2,834 | $4,189 |
Amica home insurance is cheaper than the national average but may still vary based on personal factors.
Amica Life Insurance Review
Amica offers both term life and whole life insurance, including specialty products like long-term care, disability income, and second-to-die whole life policies. Quotes are available online, and same-day applications are possible without speaking to an agent.
✅ Pros:
- Cost of living provision on some term life policies
- Bundling discounts with auto insurance
❌ Cons:
- No guaranteed acceptance life insurance
- Not rated by J.D. Power for life insurance
Is Amica a Good Insurance Company?
Amica consistently earns high ratings for customer satisfaction and coverage options. It was named a 2024 Awards winner for Best Overall Auto Insurance Company (tie with Geico) and Best for Customer Experience. However, its rates tend to be higher than the national average.
Real Customer Reviews
Reddit Feedback:
- Positive: Many users appreciate Amica’s exceptional customer service.
- Negative: Some complaints about claims processing delays.
Trustpilot Feedback:
- Amica holds a 4.5/5 rating.
- Customers frequently mention fast claims handling and knowledgeable agents.
Amica Insurance: Final Verdict
Amica is a strong choice for those who prioritize customer service and comprehensive coverage, even at a higher cost. It is especially recommended for:
- Safe drivers seeking accident forgiveness
- Homeowners wanting tailored coverage
- Customers who value excellent service
How to Get a Quote
For personalized quotes, visit Amica.com or call:
- Auto & Home Sales/Claims: 1-800-242-6422
- Life Insurance: 1-800-619-6077
- Roadside Assistance: 1-866-286-9968
If customer service and reliability are your top priorities, Amica Insurance could be the right fit for you.
Want to know more about other insurances, Read our latest articles.
