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What to Know
Ask yourself three questions before getting a car insurance quote from Amica: Who lives in your household, how long you plan to stay at your home and whether buying a policy through an agent works for you. Amica sells liability, collision, comprehensive, gap insurance, PIP, MedPay, uninsured/underinsured motorist coverage and roadside assistance. It offers 14 discounts and is available in every state except Hawaii.
Loyalty, legacy, and accident-free discounts reward time with Amica that a new customer hasn't built yet, and homeownership, multi-car, and good student apply only if your household fits.
We chose Amica as best for customer satisfaction because it has one of the best scores in the NAIC Complaint index – 0.5, which means it has about half the expected number of complaints for a company its size. Of the companies in our car insurance study, only Auto-Owners (0.47) and Nationwide (0.49) scored better.
Amica
Best for Customer Satisfaction- Discounts
- 14
- Online Quotes
- Online Policy Purchase
Why We Like Amica
Amica has strong customer satisfaction, with positive numbers in the aforementioned NAIC index and strong online reviews. Its discounts are built around households and long-term customers: homeowners, multi-car families, students and drivers with clean records who stay in the same home for years. It suits people who want to stick with one insurer every renewal.
Pros and Cons
Pros
- Offers gap insurance
- 14 discounts to choose from
- File claims online
Cons
- Not sold in 1 state
- Can't buy a policy online
Solvable's Take on Amica Car Insurance
The households that get the most from Amica are homeowners with two or more cars, families with a teen who finished driver training or a good student or a student living away at school, and drivers who expect to stay long enough to build loyalty and an accident-free credit history. Legacy and loyalty discounts are Amica's way of paying people for not shopping, which is worth knowing if you're shopping right now. If you're comfortable having your driving tracked, StreetSmart, Amica's usage-based insurance program, adds one discount that doesn't depend on tenure or household makeup.
Amica has minimal weak spots. You can't buy policies online, it's not available in Hawaii, and the loyalty and legacy discounts don't help in the first year of your policy.
The table below matches common situations to what Amica's profile shows and what to confirm before you decide.
| Your situation | What Amica's profile shows | What to check |
|---|---|---|
| You want to buy entirely online | Online quotes: yes. Online purchase: no. | Leave time before your renewal date to finish the purchase |
| Household with a teen or student | Young driver training, good student and student away at school discounts | Which of these appear on your quote |
| Homeowner with more than one car | Homeownership and multi-car discounts | That both discounts are applied |
| Open to driving-based pricing | StreetSmart usage-based program | How your driving data is used |
| You live in Hawaii | Not available | Quotes from other insurers |
Amica Car Insurance Discounts
Amica offers the following discounts. Several depend on your household, your vehicle or how long you've been a customer, and availability can vary. Confirm which ones show up on your quote.
- Loyalty
- Homeownership
- Multi-car
- Young driver training
- Good student
- Student away at school
- Legacy
- Accident-free
- Defensive driver training
- StreetSmart (usage-based)
- Vehicle safety features
- Paid in full
- AutoPay
- Paperless
Amica Car Insurance Coverage
Amica offers the core car insurance coverages most drivers compare, plus a few add-ons that matter in specific situations. Roadside assistance is also available.
Liability coverage
Liability coverage pays for injuries and property damage you cause to other people. Most states require it.
Collision coverage
Collision coverage pays to repair your own car after a crash, regardless of fault, minus your deductible (the amount you pay before coverage starts).
Comprehensive coverage
Comprehensive coverage pays for damage that doesn't come from a collision, such as theft, hail or a tree falling on your car.
Uninsured/underinsured motorist coverage
Uninsured motorist coverage protects you when the at-fault driver has no insurance or not enough to cover your costs.
Personal injury protection (PIP)
PIP pays medical costs for you and your passengers regardless of who caused the crash, and whether it's required depends on your state. Medical payments coverage (MedPay) is a related, narrower option focused on medical bills.
Gap insurance
Gap insurance covers the difference between what your car is worth and what you still owe on the loan or lease if the car is totaled.
Frequently Asked Questions
Is Amica car insurance good?
Amica works well for households that can actually use its discounts and plan to stay with one insurer for years. It's our pick for best for customer satisfaction based on its strong NAIC complaint index score and positive customer reviews. The real test is whether your household matches the discount list, so compare a quote against what you have now before deciding.
Can you buy Amica car insurance online?
You can get a quote and file a claim online, but you can't buy the policy online.
Is Amica available in every state?
Amica isn't available in Hawaii, though it covers the rest of the country. If you live there, this one is off the table regardless of how the discounts or coverage options look on paper.
Does Amica offer usage-based insurance?
Yes, through a program called StreetSmart, which bases part of your discount on how you actually drive. Before enrolling, check how the program tracks and uses your driving data. Compare it against other usage-based programs if driving habits are your main lever for lowering a bill.
