Introduction
Are you tired of fighting with your insurance company every time you file a claim? While most Americans shop for the cheapest car insurance, thousands are discovering that paying a bit more for exceptional service can save headaches and money in the long run.
Amica Mutual Insurance stands out with a 4.6 Bankrate Score and is tied with USAA for Best Auto Insurance Company Overall in the 2025 Bankrate Awards, primarily due to consistently positive customer service reviews with overwhelmingly glowing feedback from actual customers. But here’s the catch: the average cost of a full coverage auto insurance policy from Amica is $320 per month, which is 42 percent more than the national average.
Is Amica auto insurance worth it in 2026? This comprehensive review examines everything from coverage options and pricing to real customer experiences and claims satisfaction to help you make an informed decision.
Why Car Insurance Costs Keep Rising (And What Amica Offers in Return)
The car insurance landscape has become increasingly expensive for American drivers. Between inflated vehicle repair costs, rising medical expenses, and severe weather events, premiums across the industry have surged 20-30% since 2022.
Compared with other top-rated auto insurers, Amica’s average rates are among the highest. However, what you’re paying for is a fundamentally different experience:
What Sets Amica Apart
1. Mutual Company Structure Founded in 1907, Amica is the oldest mutual auto insurer in the United States, owned entirely by its policyholders. Unlike shareholder-driven companies, Amica’s primary obligation is to its customers, not Wall Street investors.
2. Dividend Policies As a mutual insurance company, Amica gives policyholders the unique choice between a traditional policy and a dividend policy, which pays back 5 to 20 percent of your annual home insurance premium if certain conditions are met. While dividend policies cost more upfront, they can result in lower overall costs over time.
3. Award-Winning Customer Service Amica ranked second among carriers included in the 2024 U.S. Auto Claims Satisfaction Study and claimed the top spot for overall customer satisfaction in New England in the 2025 U.S. Auto Insurance Study.
Breaking Down Amica Auto Insurance Coverage Options
Standard Coverage
Amica offers all state-required coverages:
- Bodily injury liability
- Property damage liability
- Medical payments/Personal Injury Protection (PIP)
- Uninsured/underinsured motorist coverage
- Collision and comprehensive coverage
Premium Add-Ons Worth Considering
Amica’s coverage includes gap coverage, rental reimbursement coverage, identity fraud monitoring, full glass coverage with no deductible, prestige rental coverage up to $5,000, and new car replacement for vehicles less than a year old with less than 15,000 miles.
Platinum Choice Auto Package
Amica’s Platinum Choice Auto package includes full glass coverage, identity fraud monitoring, and generous rental car coverage. This comprehensive package eliminates the need to purchase individual endorsements separately.
| Coverage Type | Basic Policy | Platinum Choice | Cost Difference |
| Glass Coverage | Limited | Full (No Deductible) | Included |
| Identity Monitoring | Not Included | Included | Included |
| Rental Coverage | Up to $50/day | Up to $5,000 total | Included |
| New Car Replacement | Optional | Included | Included |
The Real Cost of Amica Auto Insurance in 2026
National Average Comparison
The average cost of a full coverage auto insurance policy from Amica is $320 per month. Here’s how that stacks up:
Monthly Full Coverage Premiums (2026 Estimates):
- Amica: $320/month ($3,840/year)
- State Farm: $226/month ($2,712/year)
- Progressive: $184/month ($2,208/year)
- GEICO: $183/month ($2,196/year)
- Allstate: $282/month ($3,384/year)
Amica’s average rates are 42 percent more than the national average cost of car insurance.
Who Gets the Best Rates?
Amica tends to offer more competitive pricing for:
- Experienced drivers with clean records (3+ years accident-free)
- Bundlers (combining home, auto, and life insurance)
- Multi-car households
- Homeowners (even if your home is insured elsewhere)
- Long-term customers (loyalty discounts increase over time)
How to Save Money on Your Amica Auto Insurance Policy
Top 10 Amica Discounts for 2026
Amica offers discounts for staying with them for at least two years, being claims-free for the past three years, bundling multiple policies, insuring multiple vehicles, using autopay, paying premiums on time and in full, choosing electronic billing, owning a home, having anti-theft systems, having electronic stability control, having automatic restraints, having collision-avoidance features, having adaptive headlights, completing defensive driver courses, having young drivers complete approved training programs, meeting good student requirements, having students away at school, and for drivers under 30 whose parents have had Amica auto insurance for five years or more.
StreetSmart Telematics Program
Amica’s free mobile telematics app, StreetSmart, offers up to 20 percent in discounts for drivers who can demonstrate safe driving habits. The app rewards safe driving with points that can be redeemed for gift cards to popular retailers.
StreetSmart is available in: Arizona, Colorado, Connecticut, Georgia, Illinois, Indiana, Kansas, Maine, Maryland, Minnesota, Missouri, New Hampshire, New Mexico, Ohio, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Vermont, Virginia, and Wisconsin.
Bundle and Save Strategy
The most significant savings come from bundling. Customers can save up to 30 percent by combining auto, home, umbrella, and life insurance policies.
Real Customer Experiences: What Amica Policyholders Are Saying
The Good: Outstanding Claims Experiences
One Reddit user with 30+ years of Amica coverage shared, “We have had many claims over the decades, including a personal injury and auto theft. They have always been the BEST—heck, I just filed a claim the other day and 15 minutes later it was Amica calling to get some more info. They pay quickly. In my mind they are the best corporation I have ever dealt with.”
Another customer who experienced a total home loss reported, “Amica was amazing. Direct deposited $40k cash, no questions asked, when I opened my claim… I was absolutely made whole, and when the State of Oregon and FEMA came looking for repayment of cleanup charges a few years later, I directed them to Amica and never heard from them again.”
The Concerns: Rising Costs and Policy Changes
Some long-term customers report significant rate increases, with one 10-year customer stating, “We’ve been customers for over 10 years, having both auto & homeowners. They’ve doubled the premiums on both policies over the last year.”
Another customer with 37 years of loyalty noted, “I am older; they raised the auto rates to the point I had to start shopping… I got a quote from a 5-star company; the savings is over $3000 a year, with better coverage.”
Customer Complaint Trends
While Amica’s rate of customer complaints for auto insurance is fairly low, it’s recently crept above the industry average. The company’s 2024 NAIC complaint index score is 1.03, up from just 0.72 the year before and a flat zero complaints in 2022.
Filing Claims With Amica: What to Expect in 2026
Multiple Ways to File
You can report claims through:
- Phone: 1-800-242-6422 (24/7 for emergencies)
- Online: Through Amica’s customer portal
- Mobile App: File and track claims on the go
- Live Chat: Weekdays 8 a.m. to midnight ET, Saturdays 10 a.m. to 5:30 p.m. ET
Claims Performance Data
Amica scored 749 (out of 1,000) on the 2024 J.D. Power U.S. Auto Claims Satisfaction Study, ranking second-highest in overall customer satisfaction.
Amica received an A+ (superior) rating regarding financial stability from AM Best, meaning it has a “superior” ability to meet financial obligations.
Processing Timeline
Amica’s website says it will make payment within two days of receiving the necessary information and documentation on a claim.
Amica Digital Experience: Website and Mobile App Review
Mobile App Capabilities
Through Amica’s mobile app, you can pay bills, manage claims, access your policy and auto insurance card, call roadside assistance, get quotes, and contact customer service.
App Store Ratings
Amica scored 4.8 out of 5 stars on the Apple App Store, with users praising the easy-to-navigate interface. However, Google Play users report a different experience, with recent reviews noting trouble making payments and logging in.
Online Quote Process
The online quote system is quick, easy, and thorough, asking about bundling options, providing clear security disclaimers, and collecting comprehensive information about drivers, vehicles, and driving history.
Who Should Choose Amica Auto Insurance in 2026?
Ideal Candidates
Amica is an excellent fit if you:
- Value exceptional customer service over rock-bottom prices
- Have a clean driving record and want accident forgiveness options
- Plan to bundle home, auto, and life insurance for maximum savings
- Appreciate comprehensive coverage with premium add-ons included
- Want a mutual company that prioritizes policyholders over shareholders
- Live in New England, where Amica’s service network is strongest
Who Might Look Elsewhere
Consider other insurers if you:
- Need the absolute cheapest coverage and are willing to sacrifice service quality
- Live in Hawaii (Amica doesn’t operate there)
- Have a spotty driving record with multiple violations or accidents
- Prefer face-to-face service at local branch offices
- Want insurance-specific mobile app features on Android devices
Common Mistakes to Avoid When Choosing Amica
1. Not Maximizing Discounts
Many customers don’t realize they qualify for multiple discounts simultaneously. Always ask about:
- Loyalty discounts from previous insurers
- Homeownership discounts (even if your home is insured elsewhere)
- Multi-policy bundling opportunities
2. Ignoring the Dividend Policy Option
Although dividend-paying policies may cost more upfront than a traditional policy, they can help you save money over time by returning 5-20% of your premium annually.
3. Skipping the StreetSmart App
Free money is on the table if you’re a safe driver, up to 20% in additional savings.
4. Not Shopping Around Periodically
Even loyal customers should get competitive quotes every 1-2 years, as Amica’s complaint index has risen and some long-term customers report significant rate increases.
5. Overlooking Coverage Gaps
While Amica offers robust coverage, ensure you understand what’s included in your base policy versus premium add-ons.
Amica vs. Top Competitors: 2026 Comparison
| Feature | Amica | State Farm | Progressive | GEICO |
| Avg. Monthly Premium | $320 | $226 | $184 | $183 |
| J.D. Power Score | 746/1000 | 691/1000 | N/A | N/A |
| NAIC Complaint Index | 1.03 | Below 1.0 | Above 1.0 | Above 1.0 |
| Mobile App (iOS) | 4.8★ | 4.8★ | 4.8★ | 4.7★ |
| Dividend Policies | ✓ | ✗ | ✗ | ✗ |
| Bundling Discount | Up to 30% | Up to 20% | Up to 25% | Up to 25% |
Key Takeaway: Amica costs more but delivers superior claims satisfaction and customer service ratings.
Frequently Asked Questions About Amica Auto Insurance
Is Amica auto insurance worth the extra cost?
For drivers who prioritize hassle-free claims and exceptional customer service, yes. Amica ranked second in the 2024 U.S. Auto Claims Satisfaction Study and consistently receives top ratings. However, budget-conscious drivers with clean records might save significantly with competitors like GEICO or Progressive.
How does Amica’s dividend policy work?
Dividend policies pay back 5 to 20 percent of your annual premium if certain conditions are met. You pay more upfront but potentially receive a refund annually, making the effective cost lower over time. However, dividends aren’t guaranteed and depend on company performance.
Can I get Amica insurance if I’m a new driver?
Yes, but expect higher premiums. Amica offers discounts for young drivers who complete approved training programs and good students with B averages or higher.
Does Amica cover rideshare driving?
Amica provides rideshare/gig worker coverage, which is essential if you drive for Uber, Lyft, DoorDash, or similar services. Personal auto policies typically exclude commercial use.
How quickly does Amica process claims?
Amica commits to making payment within two days of receiving necessary information and documentation on a claim. Customer reviews frequently mention same-day or next-day claim contact from adjusters.
What states does Amica operate in?
Amica sells auto insurance in Washington D.C. and every state except Hawaii.
Can I get an online quote from Amica?
Yes, Amica’s online quote system is quick, easy, and thorough. However, online car insurance quotes are unavailable in Louisiana. You can also call 1-800-242-6422 for phone quotes.
Does Amica offer accident forgiveness?
Accident forgiveness is available in some states and is included in the Platinum Choice package. You can also earn it through the Good Driver Rewards program.
How do Amica’s rates compare to GEICO?
On average, State Farm tends to offer cheaper rates than Amica, but individual drivers’ premiums may vary. GEICO typically offers even lower rates than State Farm but with less personalized service.
What happens if I miss a payment with Amica?
One long-term customer reported that after missing a payment by mistake, Amica closed the account and required an incredibly high increase (at least three times higher) to reopen it. Always set up autopay to avoid this situation.
Final Verdict: Is Amica Auto Insurance Right for You in 2026?
Amica auto insurance represents a clear value proposition: pay more for premium service, comprehensive coverage, and peace of mind when you need it most during a claim.
The Bottom Line
Choose Amica if:
- Customer service quality matters more than lowest price
- You’re bundling home, auto, and life insurance
- You have a clean driving record
- You appreciate the mutual company structure
- You live in New England
Consider alternatives if:
- You’re strictly budget shopping
- You have a less-than-perfect driving record
- You need in-person branch service
- You live in Hawaii
Take Action Today
Insurance rates fluctuate constantly based on market conditions, your personal circumstances, and company pricing strategies. Whether you choose Amica or a competitor, the most important step is comparing multiple quotes.
Ready to see if Amica’s premium service fits your budget? Get personalized quotes from Amica and top competitors today. Most drivers can complete the process in under 10 minutes and potentially save hundreds annually.
