Amica auto insurance review: Ability to get back some of your annual premium

Man turning on the radio in his car that he insured with amica auto insuranceImage: Man turning on the radio in his car that he insured with amica auto insurance

In a Nutshell

Recognized for customer satisfaction for its auto insurance shopping and claims processes, Amica Mutual offers auto insurance directly instead of through agents. Amica offers opportunities to save on auto insurance as well as some free perks. And if you live in a state where dividend policies are offered and buy one, you may get back some of the annual premium you paid.
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  • Ranked highest in customer satisfaction for its claims process
  • May be able to get back some of your annual premium with a dividend policy
  • Auto policies come with free perks


  • Not available in Hawaii
  • Availability of discounts and dividend policies varies by state

What you need to know about Amica auto insurance

Headquartered in Rhode Island, Amica Mutual Insurance Company has been in business for more than 100 years and is the oldest mutual insurer of cars in the U.S. In addition to auto insurance, Amica offers a range of other insurance products, including homeowners, marine, personal umbrella liability and life insurance.

High customer satisfaction

Amica received top ranking for customer satisfaction throughout the auto claim process in the J.D. Power 2019 U.S. Auto Claims Satisfaction Study. Historically, the company has also scored better than most for customer satisfaction with its shopping experience. The company earned high marks for policy offerings, price, service from a call center representative and overall satisfaction in the J.D. Power 2019 Auto Insurance Shopping Study. But notably, it ranked below average for mid-size insurers in the J.D. Power 2020 Auto Insurance Shopping Study.

Amica also had fewer customer complaints than other insurance companies of its size in the market in 2018, according to the latest data available from the National Association of Insurance Commissioners.

Potential to get some of your premium back with a dividend policy

In addition to traditional auto insurance policies, Amica also offers dividend policies. While both policies provide the same coverage, you might pay a little more out of pocket for a dividend policy. But in return, you could get back up to 20% of your annual premium.

If you’re eligible for a dividend payment, you can choose to receive your returned premium via check or direct deposit or apply the money toward a future policy premium. But take note that dividend policies aren’t available to residents of California, Florida, Hawaii, Massachusetts, Missouri, New Jersey, North Carolina or Texas.

Auto policies come with free perks

Amica auto policies come with some free extras not commonly offered by other carriers, including …

  • Free lock replacement for lost keys
  • Free repair if your airbag is deployed
  • Lost wage reimbursement if you have to appear in court
  • $1,000 for bail bonds
  • Free auto glass repairs if the glass doesn’t need to be replaced
  • Reimbursement for the value of a new car — versus the depreciated value — if your car is totaled within your first year of ownership

You can also upgrade to Amica’s premium policy package — Platinum Choice Auto — or buy coverage from this package a la carte in states where it’s offered. With Platinum Choice Auto’s Good Driving Rewards coverage, you can earn points that can be used to lower or eliminate your deductible or prevent your rates from going up after a claim.

The Platinum Choice Auto policy also includes full glass coverage (meaning you won’t pay a deductible for damaged glass), identity fraud monitoring and robust rental coverage. If you need a rental car while your vehicle is in the repair shop after a claim, Amica will give you $5,000 toward a similar rental, with no daily limit. This is unusual — some insurers set daily limits.

A closer look at Amica auto insurance

If you’re trying to decide if Amica auto insurance is right for you, here are a few more things to consider.

  • Availability — Amica doesn’t offer auto insurance in Hawaii.
  • Coverage options — In addition to the unique coverage options noted above, Amica provides standard types of insurance coverage, including property damage and bodily injury liability, medical payments, personal injury protection, uninsured/underinsured motorist, collision, comprehensive, rental reimbursement and roadside assistance, or towing and labor coverage.
  • Standard discounts — Depending on where you live, Amica offers standard auto policy discounts, including discounts for bundling, loyalty, autopay, paying your entire premium in full and multiple vehicles. You may also qualify for discounts if your car is equipped with certain safety features, such as electronic stability or adaptive headlights, or an approved anti-theft device. Full-time students who maintain a B average, or young drivers who complete a driver training program, may also get a discount.
  • Claims process — Claims can be submitted online, through Amica’s mobile app or by phone. If you submit a claim online, you’ll be able to track your claim and upload and view related documents when you sign into your account.

Is an Amica auto insurance policy the right fit for you?

Car insurance from Amica might be a good option for safe drivers who are looking for ways to reduce their insurance rates. For example, you could qualify for a discount if you remain claim-free for three years (glass and towing don’t count). And if you have more than one car or other insurance policies to bundle — such as renters or home insurance or a personal umbrella liability policy — you could save even more.

Amica also might be a good fit if you want to add a student to your policy. If they’re willing to take a driver training course and keep their grades up, you could save.

But if you live in Hawaii, don’t have the best driving record or don’t qualify for any policy discounts, you might want to look elsewhere for car insurance.

How to get an auto insurance quote from Amica

To get a quote from Amica, you can call or go online to

Before you decide to get a policy with Amica, be sure to shop around. Gather and compare quotes from multiple insurance companies to help find the best coverage for your needs. Read our article on understanding car insurance quotes to learn more.

Not sure if an Amica auto insurance policy is right for you? Consider these alternatives.

If you aren’t sure whether Amica auto insurance is right for you, here are some other car insurance companies to consider.

  • The General: This insurance company may be ideal if you have a less-than-perfect driving record.
  • Liberty Mutual: Liberty Mutual may be good for someone who wants to lower their deductible over time.

About the author: Sarah Archambault is a freelance writer based in New England. She enjoys learning new ways to spend money wisely and helping others figure out how to make smart financial decisions. Sara… Read more.