Amica Auto Insurance Review 2025
Our senior IQ analysts dove through all the top auto insurance providers to help you find the carrier and coverage that is right for you. On this page, we review the pros, cons, costs, and individual ratings for Amica from trusted sources across the web (BBB, Trustpilot, J.D. Power) plus key takeaways from customer feedback. Amica is known for exceptional service and dividend policies. Here’s what stood out.
Key takeaways
- Average price: Full ≈ $2216.0/yr (minimum varies by state/profile).
- Best for: drivers who value top-tier service — to consider: shoppers who only want the lowest price.
- Trust signals: AM Best A+, BBB A+, NAIC 0.57 (far fewer complaints than average), J.D. Power 746.0/1000 Claims Satisfaction (top tier).
What Our Editors Had to Say:
Quick facts
- Legal name: Amica Mutual Insurance Company
- Website: https://www.amica.com
- A.M. Best: A+
- BBB grade: A+
- Trustpilot: 4.4/5 from 5900.0+ reviews
- NAIC complaint index: 0.57 (far fewer complaints than average; 1.0 = average)
- J.D. Power: 746.0/1000 Claims Satisfaction (top tier)
- Availability: Most states (not all) — 49 states
Average costs
For a typical driver profile, full coverage with Amica averages about $2216.0/year. Minimum coverage varies by state and driver profile.
Is Amica right for you?
Best for: drivers who value top-tier service
To consider: shoppers who only want the lowest price
Pros & things to consider
Pros
To consider
Coverage & discounts
Discounts that might apply
Customer experience & ratings
- BBB: Grade A+; reviews vary by region.
- Trustpilot: 4.4/5 from 5900.0+ reviews.
- NAIC complaint index: 0.57 (far fewer complaints than average).
- J.D. Power: 746.0/1000 Claims Satisfaction (top tier).
Where Amica is strong
We frequently see competitive quotes in Rhode Island and cities like Providence. Check rates where you live.
Top alternatives
How Amica compares
Compare Amica against other popular insurers on price, satisfaction, and features.
Amica FAQs
Is Amica cheaper than average?
Rates vary by state and driver profile. Our benchmark shows full coverage around $2216/yr; compare quotes.
What is Amica known for?
Exceptional service and optional dividend policies.
Who is Amica best for?
Drivers who value top-tier service over rock-bottom pricing.
How to save with Amica
Claims & digital tools snapshot
Why Choose Amica for Auto Insurance?
Introduction
Amica auto insurance may appeal to drivers who prioritize customer service, policy flexibility, and long-term value. As an established mutual insurer, Amica is known for responsive claims handling and optional dividend policies that can
NAIC Complaint Index (what it means)
Price vs. Value Snapshot:
When to Consider a Different Insurance Company:
Reviewed by licensed insurance analysts. See our Licensing & Credentials and editorial standards.
Methodology & Why You Can Trust InsuranceQuotes?
Our Credentials
Licensed Agency: AWL Insurance Agency, Inc.
National Producer Number (NPN): 18056901
Address: 9004 Anderson Mill Road, Unit A, Austin, TX 78729
Phone: 1-888-522-7355
Email: [email protected]
View Our Parent Company’s BBB Profile
Meet our licensed reviewers and see our verification steps on our Licenses & Credentials page.
How Much Does Auto Insurance Cost in Your Neighborhood?
Compare the average costs of car insurance for your state and city to get the best rates today.
Methodology & why you can trust InsuranceQuotes
Each Amica profile is written and edited by InsuranceQuotes analysts using a consistent, repeatable method. We compile third‑party ratings and regulatory data, normalize pricing benchmarks, and explain what it means for real drivers. Our goal is to give you a clear, unbiased snapshot of how Amica performs on cost, coverage, service and complaints.
How we gather & standardize data
- Prices: We summarize published full‑coverage benchmarks (12‑month term where available) and clearly label sources. Averages are directional, not quotes—your rate varies by state, driver profile, vehicle and coverage choices.
- Regulatory complaints (NAIC): We report the NAIC Consumer Complaint Index as a decimal and plain‑English label so you can compare at a glance (≈1.00 = industry average; <1.00 = better than average; >1.00 = worse than average).
- Customer studies (J.D. Power): We cite each insurer’s most relevant study segment and regional result (score out of 1,000) to reflect satisfaction where you live.
- BBB & Trustpilot: BBB letter grades and Trustpilot score/volume are captured as numeric fields so we can show badges and trend them over time.
- Financial strength: We surface A.M. Best financial ratings to indicate claims‑paying ability.
- Availability: “States served” is stored as a count and plain‑text note so you know where policies are offered.
Editorial standards & review
Content is produced by our editorial team and reviewed by licensed insurance professionals for accuracy and clarity. We explain what each metric means (not just the number) and flag limitations where data is partial or varies by state. See our Editorial Policy and Licensing & Credentials.
Disclosure: InsuranceQuotes is part of AWL, Inc. Our marketplace helps you compare real‑time rates and connect with licensed agents. Editorial evaluations are produced independently from partner operations. Quotes shown or obtained through our forms are provided by carriers and/or their agents.
Analyst take
Amica is known for high customer satisfaction and dividend policies (where offered). Premiums can be higher, but service and claims handling are a d
Pros
- Top‑tier service reputation
- Dividend policy option (select states)
- Comprehensive coverage packages
Toconsider
- Premiums can be above average
- Smaller physical footprint; direct model
- Availability varies by state
Coverage highlights
- Core coverages; platinum package options
- Accident forgiveness/new-car (varies)
Discounts
- Multi‑policy/vehicle, loyalty, homeown
- Defensive driving, good student
- Safety features, bundling
Save tips
- Evaluate dividend vs. non‑dividend pricing over several years.
- Bundle for meaningful value.
Claims & tools
Well‑egarded phone supp
Well‑regarded phone support plus modern digital intake and trackin
g.ort plus modern digital intake and tracking.
- About the Author
- Latest Posts
Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
