Alyssa Lane
Amica is a well-known insurance company that offers a wide range of insurance options, including auto, home, life, condo, renters, flood, and small business insurance. With high scores from organisations like J.D. Power and the Better Business Bureau (BBB), Amica is known for its affordable rates, comprehensive coverage, and various discounts. However, is it worth the money? This paragraph will explore the pros and cons of choosing Amica as your insurance provider to help you decide if it's the right choice for your needs.
| Characteristics | Values |
|---|---|
| Affordability | Amica is one of the more affordable auto insurance companies, with WalletHub editors giving it a rating of 3.7/5. |
| Customer service | Amica ranks No. 2 for customer service with 724 points on a 1,000 scale, according to J.D. Power's 2025 U.S. Insurance Digital Experience Study. It placed fifth in a consumer survey for customer service, scoring 4.1 out of 5. |
| Claims handling | Amica ranks No. 1 for claims handling in a consumer survey, scoring 4.8 out of 5. |
| Ease of filing a claim | According to a consumer survey, 62% of respondents were completely satisfied with the ease of filing a claim with Amica. |
| Customer satisfaction | Amica's basic homeowners insurance policy is standard, but its Platinum Choice policy stands out for its comprehensive coverage. |
| Range of insurance options | Amica offers a wide range of insurance options, including auto, home, life, condo, renters, flood, and small business insurance. |
| Discounts | Amica offers generous discounts for bundling policies, with more than 15 discounts available. |
| Financial strength | Amica has an A+ (superior) rating from AM Best, a leading credit rating agency for the insurance industry. |
| Dividend policy | Amica's dividend policies can be confusing. While the company can return a certain percentage of customers' annual premium payments in dividends, these payments are not guaranteed and are dependent on the year. |
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What You'll Learn
Amica's Platinum Choice Auto package
Amica is a budget-friendly insurance company, offering a wide range of coverage options, including auto insurance, home insurance, life insurance, and more. Amica's Platinum Choice Auto package is highly customisable and offers comprehensive coverage.
The Platinum Choice Auto package includes glass repair or replacement without a deductible, credit monitoring services, new car replacement coverage, and rental coverage with no daily limit. Amica also offers standard car insurance coverage options, including property damage liability, bodily injury liability, medical payments, personal injury protection, uninsured/underinsured motorist, collision, and comprehensive coverage.
In addition to the basic coverage options, Amica provides several supplemental and specialty insurance options. For example, their Roadside Assistance covers towing, jump-starts, flat-tire repairs, fuel delivery, and locksmith services. Amica's Full Glass Coverage helps with the cost of glass repair or replacement, and their Rental Reimbursement covers the cost of a rental car after an accident (up to $20 per day, with a total limit of $600).
Amica also offers depreciation protection for new vehicles, which safeguards against depreciation if the car is completely totalled in an accident within the first year of ownership. This service is not available in all states. Amica also provides insurance policies for boats and motorcycles.
With more than 15 discounts available, Amica has been rated well for its range of discounts. However, it's important to note that not all discounts are available in all states, and rates can vary depending on the location. Amica also offers "`dividend`" policies, where customers can receive a certain percentage of their annual premium payments in dividends. These dividend payments average between 5% and 20% of the annual premium, but they are not guaranteed and may not be available in all states.
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Amica's customer service
Amica is a budget-friendly insurance company, offering a wide range of coverage options, including auto insurance, home insurance, life insurance, condo insurance, renters insurance, flood insurance, and small business insurance. Amica's customer service has received mixed reviews. While some customers have praised the company for its prompt claims handling and easy purchasing process, others have complained about the lack of 24/7 customer support.
In terms of customer satisfaction, Amica has received high scores in some studies, with a rating of 4.8 out of 5 in a U.S. News survey for claims handling. The same survey also gave Amica a score of 4.1 out of 5 for customer service, which is considered the average score. WalletHub editors gave Amica a rating of 3.7/5, while J.D. Power rated it 3.5/5. Amica's customer service has also been recognised in the J.D. Power 2025 U.S. Insurance Digital Experience Study, where it placed second with 724 points out of 1,000.
Amica's claims handling process has been praised by customers, with many reporting a painless and easy experience when filing claims. The company also scored well in terms of customer loyalty, with a score of 4.6 out of 5 in the U.S. News survey, which is well above the average score of 4.2.
However, one of the main drawbacks highlighted by customers is the lack of 24/7 customer support. Amica does not have a 24-hour customer support line, which may be a disadvantage for some, especially in urgent situations. Additionally, Amica's value has been rated lower than its competitors, with only 31% of survey respondents completely satisfied with the value of their homeowners insurance policy.
Overall, Amica's customer service has received mixed reviews, with some customers praising its prompt claims handling and easy purchasing process, while others have been dissatisfied with the lack of 24/7 support and the perceived value for money. While Amica may not offer the lowest prices, its customer service has been recognised in several studies, and many customers have reported positive experiences with the company.
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Amica's value for money
Amica offers a wide variety of insurance options, including auto insurance, home insurance, life insurance, condo insurance, renters insurance, flood insurance, and small business insurance. The company has been rated highly for its comprehensive coverage and various optional coverages and discounts.
Amica's homeowners insurance is available in 48 states and Washington, D.C. It offers the cheapest coverage among the top companies and provides comprehensive coverage through its Platinum Choice policy, which covers dwelling, personal property, loss of use, personal liability, and guest medical coverage. Amica also offers traditional and dividend policies, with the latter potentially returning 5% to 20% of the yearly premium through dividend payments. However, these payments are not guaranteed. Amica ranks highly for claims handling, with 75% of respondents satisfied or completely satisfied with how their claims were resolved.
When it comes to auto insurance, Amica offers all the basic coverage options, such as property damage liability, bodily injury liability, medical payments, and collision coverage. They also provide supplemental and specialty options, including roadside assistance, full glass coverage, and rental reimbursement. Amica's car insurance rates are generally higher than the average, but the company is still considered one of the more affordable options, especially with the various discounts they offer. Amica also offers depreciation protection for new vehicles, ensuring they are protected from depreciation if they are totalled within the first year of ownership.
Amica Life Insurance offers high coverage limits for term life insurance policies, ranging from $10,000 to over $1 million. Every life insurance policy includes a terminal illness rider, allowing policyholders diagnosed with a terminal illness and a life expectancy of less than a year to receive a portion of their death benefit while still alive. Amica also provides the option of no-exam life insurance for those who meet certain underwriting criteria.
While Amica scores well in many areas, its value scores are slightly lower, with a rating of 4.1 out of 5. Only 31% of survey respondents were completely satisfied with the value of their homeowners insurance policy, while about 56% were satisfied. Amica's lack of 24/7 customer support may also be a factor in its value perception, as some customers may prefer more readily available support options.
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Amica's life insurance
Amica is a budget-friendly insurance company, offering a wide range of insurance options, including life insurance. Amica Life Insurance does business in 49 states, excluding Hawaii.
Amica offers both term and whole life insurance policies with various coverage limits that can be tailored to your needs. Term life insurance policies have coverage limits ranging from $10,000 to over $1 million, while term policy durations can be chosen in five-year increments from 10 to 30 years. Additionally, Amica offers exceptionally high coverage limits for whole life insurance policies, with coverage of over $1 million.
Every Amica life insurance policy includes a terminal illness rider. This means that if you are diagnosed with a terminal illness and have a life expectancy of less than one year, you can receive a portion of your death benefit while still alive. This can provide financial support during a challenging time. However, Amica does not offer additional coverage options such as accidental death and dismemberment coverage or long-term care insurance, which may be a disadvantage if you seek comprehensive coverage.
When applying for a life insurance policy with Amica, you may qualify for no-exam life insurance if you meet specific underwriting criteria. Otherwise, you will need to undergo a life insurance medical exam to qualify for coverage. Amica's life insurance policies offer consistent monthly and annual premiums throughout the life of the policy, ensuring your rates won't increase with age. During specific periods, you may also have the option to convert your term life policy into a whole life insurance policy without an entirely new underwriting process.
Overall, Amica is a highly-rated insurance company, known for its promptness in claims adjustment and payout. It offers a wide range of insurance options, including life insurance, with generous discounts for bundling policies. While Amica may not offer 24/7 customer support, it allows customers to file claims around the clock online or over the phone.
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Amica's home insurance
Amica is a budget-friendly insurance company, offering a wide range of coverage options, including home insurance. It has received good scores from organisations such as J.D. Power and the Better Business Bureau (BBB). Amica's homeowners insurance is available in 48 states and Washington, D.C. (excluding Alaska and Hawaii).
Amica offers a standard homeowners insurance policy and a Platinum Choice policy. The Platinum Choice policy stands out with its comprehensive coverage, including dwelling, personal property, loss of use, personal liability, and guest medical coverage. It also covers water backup, sump pump overflow, special computer, and credit card coverage. Amica's basic homeowners insurance policy is standard among other insurers' plans.
Amica's value scores lower than other categories, earning the seventh spot with a score of 4.1 out of 5. Only 31% of survey respondents were completely satisfied with the value of their homeowners insurance policy from Amica, while about 56% were satisfied. Amica places fifth in a consumer survey for customer service, scoring 4.1 out of 5. About 75% of survey respondents were satisfied or completely satisfied with the ease of purchasing a policy through Amica.
Amica allows customers to file a claim online or over the phone 24/7. The company has an A+ (Superior) rating from AM Best, a leading credit rating agency for the insurance industry. Amica also offers generous discounts for bundling policies, with more than 15 discounts available.
Overall, Amica's home insurance offers a good balance of coverage and affordability, with high scores for customer satisfaction and claims handling. However, it ranks lower in terms of value, with some customers expressing dissatisfaction with the cost of their policies.
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Frequently asked questions
Amica Insurance offers a wide range of insurance options, including auto insurance, home insurance, life insurance, and more. They are one of the more affordable options, with their car insurance being cheaper than the industry average. They also have a good reputation for handling claims and have an A+ financial strength rating. However, their value scores lower than other categories, with only 31% of survey respondents completely satisfied with the value of their homeowners insurance.
Amica offers a wide range of insurance options, including auto insurance, home insurance, life insurance, condo insurance, renters insurance, flood insurance, small business insurance, and more.
Amica's auto insurance includes all the basic coverage options such as property damage liability, bodily injury liability, medical payments, personal injury protection, uninsured/underinsured motorist, collision, and comprehensive. They also offer several supplemental and specialty insurance options, including roadside assistance, full glass coverage, and rental reimbursement.
Amica's standard homeowners insurance policy is similar to other insurers' plans. Their Platinum Choice policy includes comprehensive coverage, with additional coverages such as water backup, sump pump overflow, special computer, and credit card coverage.
Amica's life insurance policies include a terminal illness rider, which provides a portion of the death benefit if you are diagnosed with a terminal illness and have a life expectancy of under one year. They offer term and whole life insurance policies with coverage limits ranging from $10,000 to over $1 million.
