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Amica Auto Insurance Review: Highest in Customer Satisfaction in New England

Review Updated
David Chang, ChFC®, CLU®
Ben Gran
By: David Chang, ChFC®, CLU®
David Chang, ChFC®, CLU®
David Chang, ChFC®, CLU®
Writer, Consultant

David S. Chang, ChFC®, CLU® is an award-winning entrepreneur, keynote speaker, author, and consultant. He has over two decades of experience in the wealth management space and has been featured in dozens of news, radio, and podcast programs nationwide. He currently works as Head of IoT for the West Region of a Fortune 200 company. He is a graduate of the United States Military Academy at West Point and currently a Lieutenant Colonel in the California Army National Guard. He is an East-West Graduate Degree Fellow and has an MBA from the UCLA Anderson School of Management.

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 and  Ben Gran
Ben Gran
Ben Gran

Ben Gran is a freelance writer based in Des Moines, Iowa. He has written for regional banks, fintechs, and major financial services companies. Ben is a graduate of Rice University.

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Ashley Maready
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Ashley Maready
Ashley Maready
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Amica offers auto insurance and other coverages with an exceptional track record of customer satisfaction. But drivers might pay more for Amica auto insurance than national average premiums, and Amica's auto policies are not available in all states. Read our Amica auto insurance review to see what Amica offers.

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Amica
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
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= Poor
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Bottom Line

Amica is not the cheapest auto insurance company, but it seems to have an exceptional focus on delivering high-quality customer service. Amica auto insurance ranks highest in the New England region in the latest J.D. Power 2024 U.S. Auto Insurance Study, and highest in the U.S. in the 2023 U.S. Auto Claims Satisfaction Study.

Pros

  • High rankings from J.D. Power for customer satisfaction
  • Amica offers a wide range of insurance products -- auto, home, life, renters insurance, pet insurance, and more
  • Top ratings on Trustpilot
  • Save up to 30% when bundling auto insurance with home, umbrella and life insurance

Cons

  • Amica auto insurance is not available in all states
  • Premium costs tend to be higher than national average
  • Android app gets lackluster reviews

Read our Amica review

Full Amica auto insurance review

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Monthly premium costs

Let's look at how Amica auto insurance premiums compare to the national average car insurance cost of $3,017 (per year) for all drivers. Drivers' exact car insurance premiums will vary based on state, location, driver age, mileage and value of vehicle, and more. Based on The Ascent's data analysis, good, experienced drivers can get a discount of about 15.5% with Amica compared to the national average -- but Amica's premiums for young drivers are shockingly high.

35y, female, clean record 35y, male, clean record 35y, female, one accident 18y, male, clean record
$2,548 $2,548 $2,905 $8,562
Data source: The Ascent's analysis of standardized personas.

Discounts

Amica offers a wide selection of discounts on auto insurance, based on bundling, family, driving behavior, and more. Not all discounts are available in all states, and exact discounts will vary by policy.

Amica car insurance discounts: Bundling

  • Bundling auto insurance with home, umbrella, and life insurance (get discounts up to 30%)
  • Homeownership discount
  • Loyalty discount
  • Multi-car discount (save up to 25% when insuring two or more cars)

Amica car insurance discounts: Family

  • Good student discount
  • Legacy discount (drivers under age 30 may qualify, if their parents have had Amica auto insurance for five years or more)
  • Student away at school
  • Young driver training discount (for drivers under age 21 who complete accredited driver training course)

Amica car insurance discounts: Driving behavior

  • Accident-free discount (drivers can qualify after three years claim-free)
  • Defensive driver training discount
  • StreetSmart by Amica™ -- earn rewards for safe driving

Amica car insurance discounts: Vehicle and equipment

  • Adaptive headlights discount
  • Anti-theft device discount
  • Electronic stability control discount
  • Forward-collision warning discount
  • Passive restraints discount

Amica car insurance discounts: Based on payments

  • Autopay
  • Paid-in-full
  • Paperless

Coverage

Just like any auto insurance company, Amica's auto insurance coverages vary by state -- not all coverages, types, or minimum required limits will be the same in every location. But Amica offers a wide range of auto insurance policies and coverages that should suit the needs of most drivers.

Policy types

  • Auto
  • Marine
  • Motorcycle
  • RV and Trailer

Amica auto insurance is not just for cars and trucks. No matter what vehicle a driver might need to insure, whether it's a two-wheeled motorcycle or a massive motorhome, an SUV, RV, or watercraft, Amica can likely offer an insurance policy to help protect it.

Coverage types

  • Auto glass coverage
  • Auto loan/lease coverage ("gap" insurance)
  • Bodily injury liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection (PIP)
  • Platinum Choice® Auto -- premium coverage
  • Property damage
  • Rental reimbursement
  • Ride-hailing and delivery driver insurance
  • Roadside assistance
  • Uninsured/underinsured motorist bodily injury
  • Uninsured/underinsured motorist property damage

Amica offers an impressive range of auto insurance coverages, from fundamental must-have coverages like liability insurance, to comprehensive insurance, to ride-hailing insurance and full coverage for auto glass repair. The Platinum Choice® Auto package offers premium coverage, including free credit monitoring. Exact availability of coverages (and premium costs) will vary by state.

Customer service and ratings

Amica is one of the best car insurance companies for customer service and customer satisfaction. The company ranked as the best in the U.S. according to J.D. Power's 2023 U.S. Auto Claims Satisfaction Study, and best in New England according to the recently published J.D. Power 2024 U.S. Auto Insurance Study.

The company's high ratings on J.D. Power studies are also backed up by its high rankings on Trustpilot: 4.5 stars. Not every insurance company gets such rave reviews. A few recent comments from Amica customers emphasized their positive interactions with real human beings answering the phone, not bots.

Amica has been accredited by the Better Business Bureau since 1957 and has an A+ rating, but its BBB.org profile has dozens of customer complaints and a 1.28 star rating. In fairness to Amica, the insurance company appears to be responding promptly and courteously to all customer complaints on BBB.org. The low star rating on BBB.org might not be the best representation of the typical Amica car insurance customer experience.

Other insurance available

  • Condo
  • Flood
  • Homeowners
  • Life
  • Pet
  • Renters
  • Small business
  • Umbrella
  • Wedding and event

Because Amica is more than just a car insurance company, it offers a range of unique insurance policies, from life insurance to homeowners to pet insurance. One of the most interesting policies is Amica's wedding and private event insurance. This insurance coverage can help protect special events from extreme weather, cancellations, vendor no-shows, liability issues, and other losses.

Alternatives to consider

Award Icon 2024 Award Winner
Logo for State Farm
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our State Farm review

Award Icon 2024 Award Winner
Logo for Geico
Best for price conscious consumersGeico
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our Geico review

When looking for an auto insurer that offers cheaper car insurance for young drivers: State Farm is one of the best cheap car insurance companies for teens, while Amica has exceptionally high premiums for young drivers. And State Farm got second place (after Amica) in New England in the J.D. Power 2024 U.S. Auto Insurance Study rankings.

When looking for an auto insurer that offers coverage in all 50 states: Geico auto insurance is available in all 50 states and is known for offering cheap car insurance, while Amica auto insurance is only available in certain states. But Geico does not score as highly as Amica for customer satisfaction; Geico ranked below average, according to the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.

Amica auto insurance summary

Amica auto insurance might be best suited for people who:

  • Want high-quality customer service, even if it might mean a higher premium
  • Live in the New England region
  • Want a wide range of insurance coverages from one company
  • Don't need to insure a teenage driver

Amica has an impressive array of auto insurance policy types, coverages, and discounts, and it's one of the highest-rated car insurance companies for customer satisfaction, according to several years of surveys.

Although Amica car insurance is not available in all 50 states, the company has offices in Arizona, California, Connecticut, Florida, Georgia, Illinois, Massachusetts, Maryland, North Carolina, New Hampshire, New Jersey, Nevada, New York, Ohio, Oregon, Pennsylvania, Rhode Island, South Carolina, Texas, and Washington. Drivers can check amica.com to search for availability by ZIP code.

Our auto insurance rating methodology

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.