Amica insurance review: Top pick for homeowners insurance with a wide array of discounts
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Bottom line: Amica is a good option for customers who value a quick and seamless claims process, excellent customer satisfaction, and access to a wide range of discounts. Amica insurance is especially great for those looking for a homeowners insurance provider. Amica insurance is not available nationwide.
Amica insurance pros and cons
ProsCons
- Large variety of discounts
- Ranked No. 1 in J.D. Power’s homeowners insurance customer satisfaction survey.
- Ranks #4 in J.D. Power’s auto claims satisfaction survey
- Does not rank in J.D. Power’s life and renters insurance customer satisfaction survey.
- Not available in all 50 states.
Amica auto insurance review
Amica Auto Insurance
JD Power Customer Satisfaction Rating
#4
AM Best Financial Strength Rating
A+ (Superior)
/5
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 out of 5 Stars
Editor’s Rating
Compare Quotes
Amica Auto Insurance
/5
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4 out of 5 Stars
Editor’s Rating
Compare Quotes
JD Power Customer Satisfaction Rating
#4
AM Best Financial Strength Rating
A+ (Superior)
Pros & Cons
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Pros
- Wide array of discounts
- Ranks #4 in J.D. Power’s auto claims satisfaction survey
Cons
- Not available in Hawaii
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- Ranks high in customer satisfaction
- Discount for students and vehicle safety
Amica was founded by A.T. Vigneron in 1907, making it the oldest automotive insurer in the US.
Amica ranks #4 in J.D. Power’s auto claims satisfaction survey. It scores 895 points on a 1,000-point scale, above the industry average of 880.
Amica Insurance has a wide array of discount opportunities so that you can save on your premiums. It also offers multiple student discounts and vehicle safety discounts. Like most carriers, Amica provides discounts for bundling your auto insurance with other insurance products.
Most auto insurers offer four primary coverage types: comprehensive, collision, liability (required by most states), and full coverage. Your lender may require comprehensive and collision coverage if you lease and finance your car.
Related auto insurance terms:
- Comprehensive coverage — Replaces or repairs your vehicle if stolen or damaged. It usually covers damage from theft, fire, vandalism, or falling objects.
- Collision coverage — Replaces your car if you’re in a collision or accident.
- Uninsured/underinsured motorist — Protects you if someone without or without enough car insurance hits you.
- Liability coverage — Covers damages you cause to another vehicle and its passengers. State law usually requires drivers to have liability coverage; however, liability minimums vary by state.
- Full coverage — A combination of liability, collision, and comprehensive car insurance.
Amica auto insurance features and discounts
- Loyalty discount — Receive a discount if you’ve had an auto insurance policy with any carrier for at least two years.
- Homeownership discount — Get a discount if you own a home.
- Multi-policy discount — Receive up to 30% off your policy when you combine your auto insurance with other insurance products.
- Multi-car discount — Get up to 25% when you insure two or more cars.
- Young driver training discount — Receive a discount if you’re under 21 and have completed an approved driver training program.
- Good student discount — Get a discount if you are a high school or college student, age 15 to 25, with a “B” average or higher.
- Student away at school discount — Receive a discount if you have a full-time student included on your policy, away at school, and left their car at home.
- Legacy discount — Get a discount if you’re under 30 and have parents on an auto policy with Amica for at least 5 years.
- Accident-free discount — Recieve a discount if you’ve been claim-free for three years.
- Defensive driver training discount — Get a discount if you’ve taken an approved driver safety course.
- Anti-theft — Get a discount for installing your vehicle with anti-theft devices
- Electronic stability control — Receive a discount if your vehicle has electronic stability control.
- Passive restraints — Get a discount if your vehicle is equipped with passive restraints like airbags.
- Forward-collision warning — Receive a discount if your car has collision avoidance.
- Adaptive headlights — Get a discount if your car has adaptive headlights.
- Pay in full discount — Recieve a discount if you pay your entire policy upfront.
- Autopay — Get a discount if you enroll in autopay.
- Paperless discount — Get a discount when you sign up for electronic billing and e-delivery.
Amica auto insurance quotes
Compared to competitors, Amica’s auto insurance rates are slightly more expensive for drivers age 30 with no previous accidents or traffic violations. Amica may be a costly option for many young drivers, based on the sample rates we gathered for 18-year-olds.
We gathered quotes for 30-year-old males and 18-year-old males living in Illinois with a 2018 Honda Civic EX. Your rate will vary based on your age, location, driving history, coverage type, coverage amount, and other factors.
Driver profileAmica annual premiumGEICO annual premiumProgressive annual premium 30-year-old male, no accident, minimum coverage$501$490$51430-year-old male, no accident, full coverage$979$928$78830-year-old female, no accident, minimum coverage$501$493$28530-year-old female, no accident, full coverage$979$906$54718-year-old male, no accident, minimum coverage$2,147$1,010$1,22818-year-old male, no accident, full coverage$4,019$1,889$2,43418-year-old female, no accident, minimum coverage$1,980$882$60518-year-old female, no accident, full coverage$3,705$1,641$1,267
Below are the coverage amounts we used to determine Amica’s auto insurance rates.
Type of coverageMinimum coverageFull coverageBodily injury liability $25,000/$50,000$50,000/$100,000Uninsured motorist$20,000$25,000Underinsured motorist$25,000/$50,000$50,000/$100,000Medical paymentsNot included$1,000 ComprehensiveNot included
$1,000
CollisionNot included$1,000
Amica homeowners insurance review
Amica homeowners insurance
JD Power Customer Satisfaction Rating
No. 1
AM Best Financial Strength Rating
A+ (Superior)
/5
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.8 out of 5 Stars
Editor’s Rating
Compare Quotes
Amica homeowners insurance
/5
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
4.8 out of 5 Stars
Editor’s Rating
Compare Quotes
JD Power Customer Satisfaction Rating
No. 1
AM Best Financial Strength Rating
A+ (Superior)
Pros & Cons
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Pros
- Ranked No. 1 in J.D. Power’s homeowners insurance customer satisfaction survey.
- Wide array of discounts
Cons
- Not available in Alaska and Hawaii
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- Ranked No. 1 in J.D. Power’s homeowners insurance customer satisfaction survey.
- Loyalty discount, automatic detection devices discount, alarm system discount, claim free discount.
- Offers home insurance dividends on your policy.
Amica ranks No.1 on J.D. Power’s homeowners insurance customer satisfaction survey. It ranks 854 points on a 1,000-point scale, which is above the segment average. Amica is also Insider’s top pick for best homeowners insurance.
Amica offers homeowners, condo, and renters insurance. It also offers flood insurance. Amica gives customers home safety, loyalty, and bundling discounts and offers policies that pay dividends on payments you’ve made on your insurance. To obtain quotes for Amica’s homeowners insurance, visit Amica’s homeowners insurance website or call an Amica insurance representative.
Homeowners insurance protects your dwelling, personal belongings, and offers personal liability coverage for injuries that happen on your property.
Related homeowners insurance terms:
- Dwelling coverage — Covers the cost to repair or rebuild your home.
- Personal belongings coverage — Replaces lost, damaged, or stolen belongings. (Some items like jewelry, fine art, and high-end electronics require add-on coverage).
- Personal liability coverage — Protects you when someone is injured on your property and sues you for damages.
Amica homeowners insurance discounts and features
- Loyalty discount — Receive a discount if you’ve had an auto insurance policy with any carrier for at least two years.
- Multi-policy discount — Receive up to 30% off your policy when you combine your auto insurance with other insurance products.
- Claim free discount — Recieve a discount if you’ve been claim-free for three years.
- Autopay — Get a discount if you enroll in autopay.
- Paperless discount — Get a discount when you sign up for electronic billing and e- delivery.
- Alarm system discount — Get a discount for a home with burglar alarms, sprinkler systems, or fire alarms.
- Automatic detection devices discount — Receive a discount if your home has a temperature monitoring system and if you have a water or gas leak detection system installed.
- New/remodeled home credit — Get credit for your new or remodeled home.
- Home insurance dividends — Amica offers a dividend policy to return a portion of the money to you that you’ve already paid towards your policy.
Amica renters insurance review
Amica Renters Insurance
JD Power Customer Satisfaction Rating
N/A
AM Best Financial Strength Rating
A+ (Superior)
/5
A five pointed star
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A five pointed star
2.5 out of 5 Stars
Editor’s Rating
Compare Quotes
Amica Renters Insurance
/5
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
2.5 out of 5 Stars
Editor’s Rating
Compare Quotes
JD Power Customer Satisfaction Rating
N/A
AM Best Financial Strength Rating
A+ (Superior)
Pros & Cons
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Pros
- Wide array of discounts
Cons
- Does not rank in J.D. Power’s customer satisfaction in renters insurance
- Not available in Alaska and Hawaii
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- Pricer than the average
- Loyalty, autopay, and e-billing discounts
Amica doesn’t rank in J.D. Power’s renters insurance customer satisfaction survey.
Amica offers discounts for bundling your renters and car policy. It offers additional savings for loyalty, autopay, and going paperless.
Renters insurance will cover your personal property in the event of damage and theft. Your landlord is responsible for insuring the building and structure. A renters insurance policy has three main parts: personal property coverage, personal liability coverage, and “loss of use” coverage.
Related renters insurance terms:
- Loss of use — Covers temporary housing if your rental becomes inhabitable.
- Cyber liability coverage — Protects you from identity theft and online viruses. This policy is usually available for additional purchase.
Amica renters insurance discounts
- Loyalty discount — Receive a discount if you’ve had an auto insurance policy with any carrier for at least two years.
- Multi-policy discount — Receive up to 30% off your policy when you combine your auto insurance with other insurance products.
- Claim free discount — Recieve a discount if you’ve been claim-free for three years.
- Autopay — Get a discount if you enroll in autopay.
- Paperless discount — Get a discount when you sign up for electronic billing and e- delivery.
Amica renters insurance quotes
According to the Insurance Information Institute, the average annual premium for renters insurance is $179 or about $15 per month. Amica starts at $4 per week or $16 per month, making it a slightly pricier option for renters insurance customers. Amica is also price than its competitors — GEICO and Liberty Mutual.
AmicaGEICO Liberty Mutual
Starts at $16 per month
Starts at $12 per month Starts at $5 per month
Amica life insurance review
Amica life insurance
JD Power Customer Satisfaction Rating
N/A
AM Best Financial Strength Rating
A+ (Superior)
/5
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
2 out of 5 Stars
Editor’s Rating
Compare Quotes
Amica life insurance
/5
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
2 out of 5 Stars
Editor’s Rating
Compare Quotes
JD Power Customer Satisfaction Rating
N/A
AM Best Financial Strength Rating
A+ (Superior)
Pros & Cons
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Pros
- Offers level term and whole life policy
- Discount and bundling oppurtunities
- Available in all 50 states
Cons
- Limited add-on coverage options
- No universal policies
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- Term life and whole life
Amica life insurance didn’t rank in J.D. Power’s life insurance customer satisfaction survey.
Amica offers level term policies, where you can pick between 10 to 30 years, and premiums stay throughout your term. However, your rates may increase after your term is up. Amica also offers a whole life policy, where the rate stays the same throughout your life. It pays out a death benefit and accumulates cash value.
The two types of life insurance are permanent life and term life. Term life insurance will only cover a specific period. When your policy is up, you can reapply for coverage. However, premiums will most likely increase as you age.
Permanent life insurance never expires, has a death benefit for your beneficiaries, and a cash value you can use during your lifetime. Some financial advisors recommend a combination of term and permanent life insurance.
Related life insurance terms:
- Term life — This policy covers you for a selected period of time. Premiums usually increase after your term is up. However, you may have the option of converting your term policy to a permanent life policy without a medical exam or lengthy application process.
- Permanent life — This policy is more expensive than term life. However, it lasts your entire life, accrues cash value, and offers a guaranteed death benefit at level premiums. Permanent life insurance is made up of whole life insurance and universal life insurance.
Amica life insurance features
- Level Term — A policy where you can select a 10, 15, 20, 25, or 30- year term with payments that stay the same throughout the entire period.
- Whole life – Type of permanent policy where rates stay the same throughout your life. It also accumulates cash value and pays out death benefits.
Amica life insurance quotes
Amica’s life insurance is relatively inexpensive compared to State Farm and on par with Nationwide’s life insurance rates. However, it is important to consider other aspects like customer satisfaction and coverage options in your cost.
We gathered quotes for 40-year-old males and females, non-smokers, purchasing a 30-year term, $250,000 policy.
Life insurance 40-year-old male, good health, non-smoker 40-year-old female, good health, non-smokerAmica$36.08/month$28.65/monthState Farm$48.94/month$37.42/monthNationwide $37.63/month$30.63/month
Amica pet insurance review
Amica pet insurance
JD Power Customer Satisfaction Rating
N/A
AM Best Financial Strength Rating
A+ (Superior)
/5
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
2.5 out of 5 Stars
Editor’s Rating
Learn more
Amica pet insurance
/5
A five pointed star
A five pointed star
A five pointed star
A five pointed star
A five pointed star
2.5 out of 5 Stars
Editor’s Rating
Learn more
JD Power Customer Satisfaction Rating
N/A
AM Best Financial Strength Rating
A+ (Superior)
Pros & Cons
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Pros
- Covers pre-existing conditions
- Covers older pets
Cons
- Not available in all 50 states
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- Partnered with embrace
- Accident, illness, and wellness coverage
Amica partners with Embrace Pet Insurance to offer customers accident and illness coverage, as well as accident-only coverage for their pets. Amica also covers curable pre-existing conditions if your pet is symptom and treatment-free for 12 consecutive months.
Pet insurance usually offers two types of coverage: accident-only and accident and illness coverage. Wellness plans are usually available for additional purchase.
Related pet insurance terms:
- Accident-only coverage — This policy only covers injuries resulting from an accident such as broken bones or accidental poisoning. It does not cover illnesses that develop during your coverage.
- Accident + illness coverage — This type of policy reimburses you for accidents and diseases your pet develops after your policy begins such as allergies and cancer.
- Wellness coverage — This policy is usually available as additional coverage with your accident or illness insurance. This covers routine testing, vaccinations, annual exams and other types of preventative care.
- Pre-existing conditions — Pre-existing conditions are present before your policy begins. No insurer will cover pre-existing conditions, however, some may cover curable pre-existing conditions. Pets with curable pre-existing conditions have been cured and haven’t needed to receive treatment within a certain frame of time.
Amica pet insurance features
- Nose-to-tail pet insurance — Covers your dog or cat’s (non-routine) medical fees and reimburses you for 90% on your pet’s bills.
- Accident only — Provides coverage for accidents and prescription medication to treat covered accident/illness (covers pets 15 and older).
- Covers curable conditions — Covers pre-existing conditions if your pet is symptom and treatment-free for 12 months.
Amica vs. Erie Insurance
Amica Mutual Insurance
Eerie Insurance/PR
Availability Regional presenceRegional presenceTypes of insurance offeredAuto, homeowners, life, pet, rentersAuto, homeowners, life, pet, rentersAuto insurance claim’s satisfaction (out of #18)#4 #2Homeowners insurance customer satisfaction (out of #21)No.1#3Renters insurance customer satisfaction (out of #9)N/AN/ALife insurance customer satisfaction (out of #21)N/AN/AFinancial Strength A+ (Superior)A+ (Superior)
Amica, and Erie Insurance insurance are regional carriers that offer auto, homeowners, life, renter, and pet insurance. If you value good customer service in your homeowners insurance provider you might opt for Amica, if you value good customer service for auto insurance, you might opt for Erie insurance instead. However, both are excellent insurance providers for auto and homeowners insurance, so choosing one comes down to price.
Amica vs. American Family
Amica Mutual Insurance
American Family
Availability Regional presenceRegional presenceTypes of insurance offeredAuto, homeowners, life, pet, rentersAuto, homeowners, life, pet, rentersAuto insurance claim’s satisfaction (out of #18)#4 #7Homeowners insurance customer satisfaction (out of #21)No.1#6Renters insurance customer satisfaction (out of #9)N/A#3Life insurance customer satisfaction (out of #21)N/AN/AFinancial Strength A+ (Superior)A (Excellent)
Amica and American Family insurance are regional carriers that offers auto, homeowners, life, renter, and pet insurance. Amica ranks higher in auto and homeowners insurance than American Family. However, American Family is the better option for life insurance.
Is Amica trustworthy?
Among all policy types, the NAIC Complaint Index shows that Amica has significantly more complaints compared to other top insurance companies. The National Association of Insurance Commissioners (NAIC) is an insurance regulatory organization that protects consumer interests. The complaint index compares a company’s performance to other performance of other providers in the industry.
Amica’s financial stability is fairly good, with an AM’s Best rating of A (Excellent). AM’s Best is a credit rating agency that assesses an insurance company’s ability to pay claims to its policyholders. A company that receives an A++ to B+ is stable in financial strength, while anything lower than a B means that a company is unstable or unable to meet its financial obligations.
While Amica is a legitimate insurance provider, it’s important to do your own research to ensure that Liberty Mutual is the right insurance company for you.
Frequently asked questions
What states does Amica cover?
Amica auto insurance is available in all states except for Hawaii. Homeowners and renters insurance is available in all states except for Alaska and Hawaii. Life insurance is available in all states.
How do I get a quote from Amica?
You get a quick quote from Amica’s quoting tool. You can also call 800-242-6422 to get in touch with one of Amica’s insurance agents.
How do you make payments at Amica?
You can make payments online — enrolling in autopay helps you avoid installment charges and you could get a discount for doing so. You can also make payments by phone by calling 800-492-6422, or by mail.
Alani Asis is a Personal Finance Reviews Fellow who covers life, automotive, and homeowners insurance. Prior to Insider, Alani was a Mortgage Support Specialist and a personal finance freelance writer based in Hawai’i. You can reach her via email at aasis@insider.com or through Twitter @AlaniAsis.
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