Esurance vs Amica

Esurance and Amica are similar car insurance companies with a financial strength rating of A+ superior. Esurance offers collectible car insurance, but Amica offers coverage in 6 more states.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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Here's what you need to know...

  • Amica and Esurance both offer a variety of car insurance policies
  • Amica has been in business longer than Esurance
  • Both companies have superior financial ratings
  • You should compare your rates with both companies to see which would offer you the best value

Between Amica and Esurance, Amica is slightly larger. Founded in 1907, Amica is the oldest automobile insurer in the United States with 3,300 employees and 44 offices (including their headquarters in Rhode Island). In 2014, they had 1.4 million policies.

Esurance, launched in 1999, is similarly sized with just about 3,000 associates. It only has 17 offices mainly because their focus is online policy management.

Read through this Amica/Esurance comparison and then use the free tool above for your own car insurance comparison!

Awards Received by Amica and Esurance

When comparing the awards and ratings received, remember that larger companies usually have more experience and resources to devote to non-core business activities. So, is Esurance a good insurance company? Or is Amica better?


  • A.M. Best financial strength rating and issuer credit rating of “A+” superior
  • Official Honoree of the Webby Awards several years
  • 2014 recipient of PR Daily Best Use of Hashtags award
  • 80% of customers would recommend Esurance to others


    • A.M. Best financial strength rating of “A+” superior
    • Rated by J.D. Power and Associates as the highest in customer satisfaction for auto insurance from many times (Most recently it was rated second) and they rated first in customer satisfaction for home insurance many times

Awarded “Customer Service Champ” by Bloomberg BusinessWeek

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Availability and Insurance Policies Offered

Amica and Esurance both share several standard policies.

Policies shared by both Amica and Esurance:

  • Auto
  • Homeowners
  • Renters
  • Health
  • Life
  • Marine

Policies unique to Esurance:

  • Collectible cars

Policies unique to Amica:

  • Condo
  • Retirement
  • Disability
  • Excess liability
  • Long term care
  • Annuity
  • Personal umbrella

Esurance policies are available in only 43 different states. Amica offers policies in every state except for Hawaii.

Fees and Payments: Amica versus Esurance

Esurance lists the following fees for policies:

  • Finance notification fee (when buying a car)
  • Installment payment fee (when paying premiums monthly)
  • Paper record fee (when requesting written records)
  • Policy fee (required by certain states for issuing and renewing policies)
  • Additional state mandated fees (varies by state)

There are only two fees disclosed by Amica:

  • A $3 installment service fee if mailing installment payments
  • A $25 return item fee when a bank account used for an automatic payment has insufficient funds

Both Amica and Esurance allow monthly or annual payment of premiums. Failure to pay premiums will result in cancellation of the policy after two missed payments. Make payments by:

  • Debit/Credit card
  • Automatic bank account withdrawals

Amica also allows for mailing of payments to the company.

How Amica and Esurance Handle Claims

Amica and Esurance both offer full online access to accounts and a 24/7 toll-free number to contact a claims representative. Where the two companies differ is the time for claim settlements.


  • Professes to settle most claims within 15 days


  • States it will complete an appraisal and reach an agreement for repair usually within one or two business days
  • Payment of claims within three business days once all documentation is filed

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Amica or Esurance?

Before making your decision between Esurance or Amica for car insurance make sure that you compare rates from many different companies to find the best deal. Enter your zip to start now!

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