Amica Auto Auto Insurance Review

By Policy Scout
Updated Jul 8, 2022
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Amica Auto Insurance Review


Founded in 1907, Amica Mutual Insurance Company is the country's oldest mutual auto insurance company. It has earned a reputation for financial strength and customer service, having built up a customer base of 1.6 million and more than $5 billion in assets. Its stated mission is “to create peace of mind and build enduring relationships,” a mindset that puts the customer at the forefront of everything the company does.

They offer other lines of insurance including home and condo, renters, motorcycle, umbrella, and more.

PolicyScout Review

Amica is a service-oriented insurance company with excellent customer satisfaction ratings and a reputation for easily customized coverage. In fact, 94% of customers are long-term policyholders. When looking at consumer reports and ratings, they are ranked among the highest companies in various areas, including:

  • A.M. Best - A+ in financial strength

  • J.D. Power - 6 consecutive years with the highest customer service rating among New England auto insurers and ranked #2 nationally in 2018 in an Auto Claims Satisfaction Study

  • Better Business Bureau - A+ rating and accredited since 1957

After reviewing the features that Amica has to offer as well as the consumer ratings, here are some of the pros and cons we believe are important to keep in mind.

The Pros

  • Easy claims process

  • Affordable rates, especially for young drivers

  • Award-winning and highly rated customer service

  • Fewer than the median level of consumer complaints, according to data from the National Association of Insurance Commissioners

  • Comprehensive standard and add-on coverage Coverage in all 50 states

The Cons

  • An official quote requires a person-to-person phone call

  • Certain policy changes require contacting the company directly

  • No discounts for safe driving outside of the Platinum Choice points system

  • No discounts for membership in a partner organization

  • Limited educational materials to help shoppers understand insurance

  • No coverage for Uber or Lyft drivers