When it comes to choosing an insurance provider, Amica often lands on the shortlist for those who value stellar customer service, solid coverage options, and financial reliability. But is it truly worth the premium price tag? Let’s break down the good, the bad, and the in-between to see if Amica is a great fit for your needs in 2025.
🚗 Amica Car Insurance: Comprehensive, but Pricey
Amica’s car insurance has a reputation for reliability, earning a Bankrate Score of 4.6 out of 5 and tying for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. It’s packed with features, but at a higher cost than many competitors.
✅ What Stands Out?
- Extensive Coverage Options: Beyond the standard liability and collision, Amica offers gap insurance, rental reimbursement, glass coverage, and roadside assistance.
- Platinum Choice Auto Package: This premium package includes deductible-free glass repair, new car replacement coverage, and credit monitoring services.
- Accident Forgiveness: Branded as “Good Driving Rewards” in some states, this feature ensures that your first at-fault accident doesn’t skyrocket your premium.
❌ Where It Falls Short
- Higher-Than-Average Premiums: At $3,180 per year for full coverage, Amica’s car insurance rates exceed the national average of $2,670.
- No Rideshare Coverage: If you drive for Uber or Lyft, you’ll need to look elsewhere.
- Limited Online Quote Availability: Louisiana residents must call an agent—no online quotes for you.
💰 How Much Does Amica Car Insurance Cost?
Your premium depends on factors like driving history, credit score, and age. Here’s how Amica stacks up against the national average:
| Driver Profile | Amica Full Coverage | National Average |
|---|---|---|
| Good driver, good credit | $3,180 | $2,638 |
| DUI with good credit | $9,154 | $5,106 |
| Speeding ticket with good credit | $3,914 | $3,204 |
📌 Pro Tip: If you have a spotless driving record, Amica’s dividend policies could return 5-20% of your annual premium.
🔗 Want a quote? Head to Amica’s official site or call 1-800-242-6422.
🏡 Amica Home Insurance: Premium Coverage at a Fair Price
When it comes to homeowners insurance, Amica outperforms its competitors in customer satisfaction. It scored 4.7 out of 5 on Bankrate and ranked 2nd in J.D. Power’s 2023 U.S. Home Insurance Study.
✅ What You’ll Love
- HO-3 and HO-5 Policies Available: Amica lets you choose between Standard Choice (HO-3) for basic coverage and Platinum Choice (HO-5) for extensive protection.
- Dividend Homeowners Policies: Some homeowners can receive a portion of their premium back each year.
- Customizable Add-Ons: Options include water backup coverage, valuable item protection, and business property coverage.
❌ Where It Falls Short
- Not Available Everywhere: No coverage for homeowners in Alaska, Florida, or Hawaii.
- Mobile App Limitations: You can file claims, but policy changes must be made over the phone.
💰 How Much Does Amica Home Insurance Cost?
Surprisingly, Amica’s home insurance rates are below the national average.
| Dwelling Coverage | Amica Average Premium | National Average |
|---|---|---|
| $150,000 | $854 | $1,344 |
| $300,000 | $1,411 | $2,181 |
| $750,000 | $2,834 | $4,189 |
🔗 Check out Amica’s home insurance options.
🏥 Amica Life Insurance: Solid Coverage, But Limited Options
Amica offers both term and whole life insurance, making it an attractive choice for those seeking reliable coverage. However, it lacks guaranteed acceptance policies, which may be a dealbreaker for some.
✅ What’s Good?
- Cost-of-Living Adjustments: Amica’s term life policies come with built-in inflation protection.
- Long-Term Care & Disability Options: These specialty products offer added financial security.
❌ The Drawbacks
- No J.D. Power Rating: Unlike its auto and home insurance, Amica’s life insurance division isn’t ranked by J.D. Power.
- State Restrictions: Product availability and riders vary by state.
🔗 Get a personalized life insurance quote from Amica here.
⭐ Customer Satisfaction: What Real Users Say
Amica shines in customer satisfaction, earning praise for helpful agents and quick claims processing. But, as expected, it’s not all sunshine and rainbows.
🔥 Reddit Feedback
- Pros: Customers rave about excellent service and fair claims handling.
- Cons: Some policyholders report delays in claims processing.
“Amica consistently blows other companies away when it comes to customer satisfaction. I just wish I could afford them!” – Reddit User
⭐ Trustpilot Reviews (4.5/5 Stars)
- Pros: Customers appreciate the personalized service and fast claims resolutions.
- Cons: Some found Amica too expensive compared to competitors.
“We’ve been with Amica for almost 40 years, and they’ve been fantastic—quick claims, helpful agents, and reasonable rates.” – Trustpilot User
🔗 Read more customer feedback on Trustpilot.
📊 How Amica Compares to Competitors
Wondering how Amica stacks up against other top insurers? Here’s a side-by-side comparison:
| Company | Avg. Auto Rate | Avg. Home Rate | J.D. Power Auto Score | J.D. Power Home Score |
|---|---|---|---|---|
| Amica | $3,180 | $1,411 | 746/1000 | 906/1000 |
| State Farm | $2,887 | $1,916 | 842/1000 | 829/1000 |
| Progressive | $2,388 | $1,700 | 818/1000 | 821/1000 |
| Allstate | $3,297 | $2,487 | 835/1000 | 868/1000 |
| USAA | $1,897 | $1,289 | 897/1000 | 905/1000 |
🔗 Compare rates from multiple insurance companies at Bankrate’s comparison tool.
🏁 Key Takeaway: Is Amica Insurance Worth It?
If top-tier customer service, robust coverage, and policy customization are your priorities, Amica is a fantastic choice. However, if you’re on a tight budget or need rideshare insurance, you might want to shop around.
✅ Best for:
- Those who value exceptional service over lower premiums.
- Homeowners looking for customizable and dividend-eligible policies.
- Drivers who want extensive coverage options.
❌ Not ideal for:
- People looking for the cheapest car insurance.
- Uber/Lyft drivers (no rideshare coverage).
- Residents in Hawaii, Florida, or Alaska (home insurance not available).
📌 Final Verdict: If you can stomach the higher price, Amica delivers premium coverage and outstanding customer service. But if savings are your top concern, consider shopping around.
🔗 Get a quote today at Amica’s official website or call 1-800-242-6422.