Amica Car Insurance Review for 2024 [See Their Cost & Ratings]

Amica car insurance review highlights the company’s strong reputation for customer satisfaction and competitive rates.

With average monthly premiums starting at $42, Amica offers flexible coverage options tailored to various driver needs. The company provides multiple discounts, including up to 20% for bundling home and auto policies.

Amica Mutual Car Insurance Rating

Rating Criteria
Overall Score	4.4
Business Reviews	4.5
Claim Processing	5
Company Reputation	4.5
Coverage Availability	5
Coverage Value	4.3
Customer Satisfaction	4.1
Digital Experience	4.5
Discounts Available	4.8
Insurance Cost	3.9
Plan Personalization	4.5
Policy Options	4.2
Savings Potential	4.2

Understanding car insurance policy with Amica highlights its reliable service, user-friendly digital tools, and efficient claims process, making it an excellent choice for many drivers.

See if you’re getting the best deal on car insurance by entering your ZIP code above.

Age-Wise Amica Car Insurance Rates: Gender & Coverage Insights

Explore Amica car insurance rates, detailed by age, gender, and coverage level in the table below. See how monthly premiums adjust between minimal and full coverage across different demographic groups. This table displays the monthly insurance rates provided by Amica, categorized by age, gender, and coverage level.

Amica Car Insurance Monthly Rates by Age, Gender, & Coverage Level

The data on average car insurance rates by age and gender highlights separate costs for minimum and full coverage across age groups from 16 to 65. It also demonstrates pricing differences between genders and emphasizes the variations in costs between minimal legal and comprehensive coverage policies.

Amica’s Comprehensive Coverage Options

Amica provides a wide range of coverage options designed to meet the needs of different drivers. Amica has flexible plans that suit various budgets and preferences, whether you’re looking for minimal legal coverage or more extensive protection.

• Liability Coverage: Protects against damages to others in case of an accident.
• Collision Coverage: Covers repairs to your vehicle after an accident, regardless of fault.
• Comprehensive Coverage: Protects against non-collision events like theft, vandalism, or natural disasters.
• Roadside Assistance: Optional add-on for emergency services like towing and lockout assistance.
• Rental Car Reimbursement: This covers the cost of a rental vehicle while your car is being repaired.

With these customizable options, Amica ensures that drivers can find the coverage they need, whether for basic protection or a fully comprehensive plan that offers peace of mind.

Amica’s dedication to personalized service ensures that drivers receive support customized to their individual needs, especially when choosing comprehensive car insurance.

Driving Record Effects on Amica Insurance Rates

Examine how driving records affect monthly premiums with Amica, which is detailed in the table below. Compare costs between minimum and full coverage for various driving histories.

This table outlines the monthly rates for Amica car insurance based on driving records, comparing costs between minimum and full coverage.

The data offers insights into how premiums vary based on different driving histories, such as having one accident, DUI, ticket, or a clean record, showing the financial impact of each situation. Additionally, it answers the question, do all auto insurance companies check driving records, by highlighting the role of driving history in determining insurance costs.

Amica’s Smooth and Efficient Claims Process

Amica is known for offering a hassle-free claims process that prioritizes customer convenience and satisfaction. Policyholders can file claims 24/7 through Amica’s online portal, mobile app, or by phone, providing flexibility and ease of access. Once filed, claims are handled quickly, with regular updates to keep customers informed throughout the process.

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Did you know the Amica app gives you information on your policies, payments and roadside assistance? Learn more: https://t.co/UxJj2o9BXR. pic.twitter.com/BSiRp3nh7S

— Amica Insurance (@Amica) November 1, 2023

Amica’s dedicated customer service team is always ready to assist with any issues or questions, ensuring a seamless experience from beginning to end. Their focus on efficient car insurance claim investigation and resolution has earned them high customer satisfaction ratings, making Amica a trusted choice for drivers.

Amica’s Digital Tools: Insurance Management Made Easy

Amica enhances customer experience with a user-friendly mobile app and comprehensive online tools designed for seamless access to policy management. Through the app, policyholders can pay bills, file claims, and access proof of insurance with just a few taps. The app also offers roadside assistance and the ability to track claim status in real time.

Amica’s online portal offers an intuitive interface for managing policies, updating information, and conducting a car insurance comparison. These digital tools allow Amica customers to handle their insurance needs efficiently and conveniently from anywhere.

Explore Amica’s Monthly Rates Across Coverage Levels

Explore how car insurance rates vary by company and coverage level with our comprehensive table, detailing both minimum and full coverage options. This table showcases monthly rates for minimum and full coverage from insurers like AAA, Allstate, and American Family.

Minimum and Full Coverage Rates Comparison

Insurance Company	Minimum Coverage	Full Coverage
	$78	$150
	$93	$185
	$85	$175
	$97	$194
	$89	$177
	$104	$211
	$90	$180
	$82	$162
	$127	$240
	$114	$223

Rates vary with AAA offering $78 for minimum and $150 for full coverage, while The Hartford provides the highest rates at $127 and $240, respectively.

Companies such as Geico, Nationwide, and Travelers showcase their competitive rates, offering a clear range of options for those looking to compare monthly car insurance in the market.

Amica Car Insurance: Weighing the Benefits and Drawbacks

Amica car insurance is well-regarded for its customer service and flexible coverage, but like any insurer, it has its advantages and limitations. Here’s a breakdown of Amica’s pros and cons to help you make an informed decision.

• Outstanding Customer Service: Amica consistently receives high marks for customer satisfaction, making it an excellent choice for drivers who prioritize personalized service.
• Flexible Coverage Options: With a wide range of customizable coverage plans, Amica caters to drivers with varying insurance needs.
• Strong Financial Stability: Amica’s A+ rating from A.M. Best assures customers of the company’s financial strength and ability to pay claims.

However, there are a few downsides to consider with Amica.

• Higher Premiums: While the service is top-notch, Amica’s rates can be higher than those of other insurers, which might deter budget-conscious customers.
• Limited Availability of Discounts: Amica offers fewer discounts compared to other major competitors, limiting potential savings for some drivers.

Amica is a great choice for drivers who prioritize excellent customer service and comprehensive coverage. However, those searching for different ways to lower car insurance rates or seeking extensive discount opportunities may want to consider other options.

Amica Car Insurance Ratings: Comprehensive Agency Reviews

This table presents a detailed overview of Amica Mutual Car Insurance’s ratings from renowned agencies, emphasizing their performance in customer satisfaction, financial stability, and consumer feedback. J.D. Power rates Amica with a score of 903 out of 1,000, indicating above-average customer satisfaction.

Amica Mutual Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 903 / 1,000 Above Avg. Satisfaction
	Score: A+ Great Business Practices
	Score: 85/100 Excellent Customer Feedback
	Score: 0.73 Fewer Complaints Than Avg.
	Score: A+ Superior Financial Strength

If you’re wondering where to find car insurance company reviews, Amica receives high marks across multiple platforms. The BBB gives Amica an A+ for financial stability, Consumer Reports scores it 85 out of 100 for customer feedback, the NAIC reports fewer complaints than average with a score of 0.73, and A.M. Best also awards it an A+ for financial strength.

Amica Car Insurance: A Well-Rounded Option for Reliable Coverage

Amica car insurance stands out for its excellent customer service, flexible coverage options, and strong financial stability. While its premiums may be higher than some competitors, the company’s commitment to satisfaction, efficient claims handling, and digital tools make it a solid choice for drivers seeking comprehensive and reliable coverage.

For those wondering what affects a car insurance quote, Amica might not always offer the lowest rates or the most discounts. However, it remains a reliable and trusted insurer for drivers who value excellent service.

Finding cheap car insurance quotes is easy. Just enter your ZIP code into our free comparison tool below to instantly compare quotes near you.