Amica Auto Insurance: Worth The Hype?

Amica is the oldest mutual auto insurer in the United States, owned entirely by its policyholders. It offers a wide range of insurance products, including auto, homeowners, life, renters, condo, boats, motorcycles, personal liability, and businesses. Amica's auto insurance is available in 49 states, excluding Hawaii.

Amica has high customer satisfaction ratings and few complaints. It also has an A+ rating from AM Best, indicating superior financial strength. Amica's auto insurance includes standard coverage options such as personal injury protection, bodily injury liability, property damage, uninsured/underinsured motorist, collision, and comprehensive policies.

In addition, Amica offers dividend policies, accident forgiveness, new car replacement, gap insurance, glass coverage, medical payments, and roadside assistance. Amica also covers rideshare and delivery drivers in some states.

Amica provides several discounts, including accident-free, defensive driver training, autopay, bundling, car safety features, full-time student, good student, homeownership, loyalty, multi-car, paperless, and pay-in-full.

Overall, Amica auto insurance is a good choice for drivers seeking comprehensive coverage options and excellent customer service.

Amica's customer service

The company's customer service representatives can help with purchasing a policy, filing a claim, and answering any questions. Amica's website also features an FAQ page and detailed blog posts about auto insurance.

Amica's insurance coverage

Amica offers a range of insurance coverage options, including auto, homeowners, life, umbrella, renters, and small business insurance. Here are some key details about Amica's insurance coverage:

Auto Insurance

Amica offers standard auto insurance coverage options such as personal injury protection, bodily injury liability, property damage, collision, and comprehensive policies. They also provide additional coverage options like Platinum Choice Auto, which includes credit monitoring, full glass replacement, new car replacement, and rental car allowance. Amica also offers gap insurance, glass coverage, medical payments coverage, and roadside assistance.

Homeowners Insurance

Amica offers two types of homeowners insurance policies: Standard Choice Home Coverage and Platinum Choice Home Coverage. The standard policy includes dwelling, other structures, personal property, loss of use, and liability coverage. The Platinum Choice policy includes all the standard coverages plus additional benefits like dwelling replacement cost, personal property replacement, increased liability limits, valuable items extended coverage, and water backup coverage. Amica also offers dividend policies in some states, where policyholders can receive a portion of their annual premium back as a dividend payment.

Life Insurance

Amica offers both whole life and term life insurance policies. The term life insurance is available for various terms (10, 15, 20, 25, or 30 years), and the whole life insurance starts at $25,000 in coverage. Both types of policies may offer a terminal illness rider, which allows access to death benefits if the policyholder becomes terminally ill.

Amica's insurance discounts

Amica offers a range of discounts for its insurance products. The availability and percentage of these discounts may vary by state.

Amica Insurance Discounts

• Claim-free discount: For customers who have not filed a claim in the last three years.
• E-discount: For policyholders who sign up for electronic documents.
• Autopay discount: For paying premiums automatically.
• Loyalty discount: For customers who have been with Amica for at least two years.
• Multi-line discount: For bundling a homeowners policy with auto, condo, life, umbrella, or renters policies.
• Alarm system discount: For homes equipped with a burglar alarm, fire alarm, or automatic sprinkler system.
• Automatic detection devices discount: For homes with water leak detection systems, temperature monitoring systems, or gas leak detection systems.
• New/remodelled home credit: For new homes or newly remodelled homes.
• Accident-free discount: For customers who haven't filed a claim in at least three years and have at least one driver with 39 months of driving experience.
• Defensive driver training discount: For completing an approved driver safety course. There is also a discount for drivers under 21 who complete an accredited training program.
• Bundling discount: For bundling car insurance with home, life, or umbrella coverage.
• Car safety feature discount: For vehicles with anti-theft devices, passive restraints like airbags, electronic stability control, forward-collision warnings, or adaptive headlights.
• Full-time student discount: For a covered driver who is away at school full-time without a car.
• Good student discount: For full-time high school and college students between 15 and 25 who maintain a B average or higher.
• Homeownership discount: For homeowners, even if the property is insured with another company.
• Multi-car discount: For insuring more than one car with Amica.
• Paperless discount: For opting to receive electronic policy documents and bills.
• Pay-in-full discount: For paying policy premiums upfront before coverage begins.

Amica's insurance cost

Amica offers a range of insurance products, including auto, homeowners, life, business, vehicle, and more. The cost of Amica insurance will depend on various factors such as the type of insurance, the level of coverage, and individual circumstances. Here is a breakdown of the cost of Amica insurance for different types of insurance:

Amica Auto Insurance Cost:

Amica offers standard auto insurance coverage, as well as additional coverage options for an extra fee. The cost of Amica auto insurance will depend on factors such as the driver's age, driving experience, claims history, and the state they live in. Amica also offers various discounts that can lower the cost of auto insurance, such as accident-free, defensive driver training, bundling with other Amica policies, and loyalty discounts.

Amica Homeowners Insurance Cost:

Amica offers two types of homeowners insurance policies: Standard Choice Home Coverage and Platinum Choice Home Coverage. The cost of Amica homeowners insurance will depend on factors such as the location of the home, the coverage limits, and the deductible. On average, Amica's standard monthly premium for homeowners insurance is $146.20 for a policy with $300,000 in dwelling coverage and $100,000 in liability coverage. Increasing the coverage to $500,000 in dwelling and $300,000 in liability brings the average monthly premium to $179.02. Amica also offers various discounts on homeowners insurance, such as claim-free, autopay, loyalty, and multi-line discounts.

Amica Life Insurance Cost:

Amica offers both whole and term life insurance policies. The cost of Amica life insurance will depend on factors such as the age of the insured, the term length, and the amount of coverage. Amica offers term life insurance for 10-, 15-, 20-, 25-, or 30-year terms, with prices staying the same throughout the term. Whole life insurance policies start at $25,000 in coverage.

Amica Business Insurance Cost:

Amica offers business insurance through third-party providers. The cost of Amica business insurance will depend on factors such as the size of the business, the type of business, and the level of coverage required.

Amica Other Insurance Products Cost:

In addition to the above, Amica offers a range of other insurance products, including motorcycle insurance, RV and travel trailer insurance, small-business insurance, and wedding and event insurance. The cost of these insurance products will vary depending on individual circumstances and the level of coverage required.

Amica's insurance complaints

Amica is the oldest mutual auto insurer in the United States and has high customer satisfaction ratings. However, there are some complaints about the company.

One common complaint is that Amica does not offer auto coverage in Hawaii and that some policy types are not available in Alaska.

Some customers have also reported issues with billing and payments, such as unexpected charges and difficulties cancelling policies. There have also been complaints about Amica's handling of claims, with some customers reporting that the company has been unresponsive or unfair in its resolutions.

Other complaints include issues with the company's website and app, as well as problems with customer service representatives.

Frequently asked questions