Amica Insurance is a mutual insurance company that offers auto, home, life, and other types of insurance to its customers. Amica is known for its high customer satisfaction ratings, comprehensive coverage options, and generous discounts.
In this article, we will review everything you need to know about Amica Insurance, including its ratings, coverage, pricing, and customer reviews.
Amica Insurance Overview
Amica Insurance began as Automobile Mutual Insurance Company of America in 1907. It’s the oldest U.S. vehicle mutual insurer and one of the major personal lines insurers. Over 3,800 Amica workers and 1.8 million policies are in place. Lincoln, Rhode Island-based Amica has 44 U.S. offices.
Ratings and Reviews
Amica Insurance has received excellent ratings from various independent agencies and organizations. Some of the ratings are:
- A+ (Superior) rating from A.M. Best for financial strength
- A+ rating from the Better Business Bureau for customer service
- 5 out of 5 stars from J.D. Power for overall customer satisfaction in auto insurance, home insurance, and life insurance
- 4.5 out of 5 stars from U.S. News for overall performance in auto insurance and home insurance
- 4.6 out of 5 stars from Trustpilot for customer feedback
Coverage Options
Amica Insurance offers a wide range of coverage options for different types of insurance. Some of the coverage options are:
- Auto insurance: Amica offers liability, collision, comprehensive, medical payments, uninsured/underinsured motorist, personal injury protection, glass coverage, rental reimbursement, roadside assistance, and more.
- Home insurance: Amica offers dwelling, personal property, loss of use, liability, medical payments, identity fraud expense, valuable items plus, catastrophic coverages, and more.
- Life insurance: Amica offers term life, whole life, universal life, and annuities.
- Other insurance: Amica also offers marine, umbrella, motorcycle, small business, wedding and event, flood, and pet insurance.
Discounts Offered
Amica Insurance offers various discounts to help its customers save money on their premiums. Some of the discounts are:
- Auto insurance: Amica offers discounts for loyalty, multiple vehicles, multiple policies, anti-theft devices, defensive driving courses, good student, student away at school, paid in full, autopay, e-discount, and more.
- Home insurance: Amica offers discounts for loyalty, multiple policies, claim-free history, alarm systems, automatic detection devices, new/remodeled home credit, e-discount, and more.
- Life insurance: Amica offers discounts for multiple policies and preferred health.
Customer Satisfaction
Amica Insurance has a reputation for providing excellent customer service and claims handling. Amica has won the J.D. Power award for highest customer satisfaction among auto insurers in the U.S. for 22 consecutive years. Amica also ranks highest in customer satisfaction among home insurers for 19 consecutive years and among life insurers for eight consecutive years. Amica has a low complaint ratio of 0.15 compared to the industry average of 1.00 according to the National Association of Insurance Commissioners.
Amica Auto Insurance
Amica auto insurance is one of the most popular products offered by Amica Insurance. It provides comprehensive coverage and benefits to its customers.
Coverage Details
Amica auto insurance covers the following:
- Liability: This covers the bodily injury and property damage that you cause to others in an accident.
- Collision: This covers the damage to your vehicle caused by a collision with another vehicle or object.
- Comprehensive: This covers the damage to your vehicle caused by events other than collision such as fire, theft, vandalism, hail, flood, etc.
- Medical payments: This covers the medical expenses for you and your passengers regardless of fault in an accident.
- Uninsured/underinsured motorist: This covers the bodily injury and property damage that you suffer from an accident caused by a driver who has no or insufficient insurance.
- Personal injury protection: This covers medical expenses, lost income, funeral expenses, and other costs for you and your passengers regardless of fault in an accident. This coverage is mandatory in some states.
- Glass coverage: This covers the repair or replacement of your windshield or other glass parts without a deductible.
- Rental reimbursement: This covers the cost of renting a car while your vehicle is being repaired after a covered loss.
- Roadside assistance: This covers the cost of towing, battery jump-start, flat tire change, lockout service, and fuel delivery if your vehicle breaks down on the road.
- Platinum Choice Auto: This is an optional package that includes full glass coverage, identity fraud monitoring, prestige rental coverage, and more.
Pricing and Discounts
Amica Auto Insurance offers competitive pricing and discounts to its customers. The average annual premium for Amica auto insurance is $1,378 according to U.S. News. However, the actual premium may vary depending on factors such as your age, driving record, vehicle type, location, coverage level, and deductible. You can get a personalized quote from Amica online or by phone.
Amica auto insurance also offers various discounts to help you save money on your premium. Some of the discounts are:
- Loyalty: You can save up to 15% if you have been with Amica for more than two years.
- Multiple vehicles: You can save up to 25% if you insure more than one vehicle with Amica.
- Multiple policies: You can save up to 15% if you bundle your auto insurance with other policies such as home, life, or umbrella.
- Anti-theft devices: You can save up to 10% if you install an approved anti-theft device in your vehicle.
- Defensive driving courses: You can save up to 10% if you complete an approved defensive driving course.
- Good student: You can save up to 10% if you are a full-time student under 25 years old with a B average or better.
- Student away at school: You can save up to 25% if you have a child under 25 years old who is away at school without a vehicle.
- Paid in full: You can save up to 10% if you pay your premium in full at the beginning of your policy term.
- Autopay: You can save up to 5% if you enroll in automatic payments from your bank account or credit card.
- E-discount: You can save up to 3% if you sign up for online account access and e-delivery of documents.
Customer Reviews
Amica Auto Insurance has received positive reviews from its customers. Some of the common themes are:
- High customer satisfaction: Customers appreciate the friendly, helpful, and responsive service from Amica representatives. They also praise the fast and fair claims process and the quality of repairs.
- Comprehensive coverage and benefits: Customers like the wide range of coverage options and benefits that Amica offers. They also value the platinum choice auto package that provides extra protection and perks.
- Generous discounts and rewards: Customers enjoy the various discounts and rewards that Amica offers. They also appreciate the dividend policy that pays back a portion of their premium at the end of the year.
Some of the negative reviews are:
- High premiums: Some customers complain that Amica’s premiums are higher than other insurers. They also feel that Amica does not offer enough discounts or incentives for loyal customers.
- Limited availability: Some customers report that Amica is not available in their state or area. They also wish that Amica had more local agents or offices.
Amica Home Insurance
Amica home insurance is another popular product offered by Amica Insurance. It provides comprehensive coverage and benefits to its customers.
Coverage Details
Amica home insurance covers the following:
- Dwelling: This covers the structure of your home and any attached structures such as a garage or deck.
- Personal property: This covers the contents of your home such as furniture, appliances, clothing, etc.
- Loss of use: This covers the additional living expenses such as hotel bills, food costs, etc. if your home is uninhabitable due to a covered loss.
- Liability: This covers the legal responsibility for bodily injury or property damage that you cause to others on or off your premises.
- Medical payments: This covers the medical expenses for guests who are injured on your premises regardless of fault.
- Identity fraud expense: This covers the costs of restoring your identity and credit after a fraud incident.
- Valuable items plus: This covers the special items such as jewelry, art, antiques, etc. that have a higher value than your personal property limit.
- Catastrophic coverages: This covers the damage caused by events such as earthquakes, floods, landslides, etc. that are not covered by standard home insurance.
- Homeowners Plus: This is an optional package that includes replacement cost coverage for personal property, water backup and sump overflow, credit card loss, and more.
Pricing and Discounts
Amica Home Insurance offers competitive pricing and discounts to its customers. The average annual premium for Amica home insurance is $1,633 according to U.S. News. However, the actual premium may vary depending on factors such as your home value, location, coverage level, and deductible. You can get a personalized quote from Amica online or by phone.
Amica Home Insurance also offers various discounts to help you save money on your premium. Some of the discounts are:
- Loyalty: You can save up to 20% if you have been with Amica for more than two years.
- Multiple policies: You can save up to 15% if you bundle your home insurance with other policies such as auto, life, or umbrella.
- Claim-free history: You can save up to 20% if you have not filed a claim in the past three years.
- Alarm systems: You can save up to 10% if you install an approved alarm system in your home.
- Automatic detection devices: You can save up to 10% if you install an approved device that detects fire, smoke, water, or gas leaks in your home.
- New/remodeled home credit: You can save up to 10% if your home is new or has been remodeled within the past 10 years.
- E-discount: You can save up to 3% if you sign up for online account access and e-delivery of documents.
Customer Reviews
Amica Home Insurance has received positive reviews from its customers. Some of the common themes are:
- High customer satisfaction: Customers appreciate the friendly, helpful, and responsive service from Amica representatives. They also praise the fast and fair claims process and the quality of repairs.
- Comprehensive coverage and benefits: Customers like the wide range of coverage options and benefits that Amica offers. They also value the homeowners plus package that provides extra protection and perks.
- Generous discounts and rewards: Customers enjoy the various discounts and rewards that Amica offers. They also appreciate the dividend policy that pays back a portion of their premium at the end of the year.
Some of the negative reviews are:
- High premiums: Some customers complain that Amica’s premiums are higher than other insurers. They also feel that Amica does not offer enough discounts or incentives for loyal customers.
- Limited availability: Some customers report that Amica is not available in their state or area. They also wish that Amica had more local agents or offices.
