Is Amica Good for Car Insurance?

Last Updated on January 6, 2026

Amica isn’t the loudest insurance brand on TV, but it consistently shows up on “best of” lists thanks to strong customer satisfaction, solid claims handling, and a long track record of financial stability. So, is Amica good for car insurance? For many drivers—especially those who value service and don’t mind paying a little more for a smoother experience—the answer is yes.

Below is a practical breakdown of what Amica is, how its pricing typically compares, what makes it stand out (including dividend policies), and how to decide if it’s a fit for you.

What Is Amica?

Amica’s full name is Amica Mutual Insurance Company. It was founded in 1907 and has deep roots in Rhode Island. As a mutual insurance company, Amica is owned by its policyholders rather than shareholders. In simple terms, the company’s long-term incentive is to keep customers happy—not to maximize quarterly profits.

Amica sells more than just auto insurance. Depending on your state, you may be able to bundle auto with home, renters/condo, and personal umbrella insurance, plus other insurance products.

Where Does Amica Sell Car Insurance (and How Do You Buy a Policy)?

Amica operates primarily as a direct insurer, meaning you typically buy and manage your policy online or by phone (instead of through a local “captive” agent). If you like the direct model used by companies like GEICO, Amica’s approach will feel familiar.

Auto insurance rules and pricing vary by state, so it’s still worth comparing options where you live. For example, if you’re shopping on the islands, start with our guide to the best car insurance in Hawaii and compare a few quotes side-by-side.

Amica’s home office is in Lincoln, Rhode Island—one reason you’ll see it referenced often in content about insurance costs in Rhode Island and throughout New England.

How Competitive Are Amica’s Car Insurance Rates?

Amica is often price-competitive with major insurance companies, but it’s not consistently the cheapest for every driver. Many people see solid pricing for “standard” profiles (clean record, stable history, solid coverage choices), while others will find Amica comes in higher than discount-focused carriers.

Like every insurer, Amica prices policies based on risk. Your rate can change dramatically based on your age, location, (in some states) gender, driving history, type of vehicle, your coverage selections, and (in many states) your credit score.

Who tends to like Amica’s pricing?

• Drivers with clean records who want higher liability limits and strong claims service.
• Households that can bundle multiple policies and keep coverage consistent over time.
• Drivers who want the option of dividend-style policies (when available) and are willing to compare both traditional vs. dividend quotes.

When Amica may be less competitive

• High-risk profiles (recent accidents, multiple tickets, DUI/DWI).
• Drivers who only want minimum coverage and are shopping purely on price.
• Drivers with very expensive-to-repair vehicles where multiple carriers price the risk differently.

How Is Amica With Claims and Customer Service?

Amica’s brand is built around customer service. It regularly performs well in customer satisfaction rankings and is known for responsive support during stressful situations like accidents and repairs.

In terms of day-to-day claims experience, it helps to know what to expect. Some claims can be resolved quickly, while others can take longer depending on repairs, injury treatment, or disputes—here’s a deeper look at how long an auto insurance claim can stay open. If you’re newer to the process, start with the basics of what a car insurance claim is and how payments work when your lender is involved (see: whose name is on an auto insurance claim check).

Like any insurer, Amica won’t pay more than a car is worth. For example, it’s not realistic to expect a massive payout for an older commuter car—especially for common models like the ones discussed here: Honda Civic vs. Toyota Corolla.

How Is Amica’s Financial Stability?

Financial stability matters because it’s directly tied to an insurer’s ability to pay claims consistently—especially during years with major storms, high accident severity, and rising repair costs.

Amica is widely viewed as financially strong and has long carried high marks from third-party rating firms. If you’re comparing insurers, our guide to A.M. Best ratings explains what those grades mean and how to interpret them.

Discounts, Dividend Policies, and Ways to Save With Amica

Amica offers many of the standard discounts you’d expect, plus a few features that are less common. For a deeper discount-by-discount breakdown, see our guide to Amica car insurance discounts.

Common ways drivers save with Amica include:

• Bundling (multi-policy) savings when you bundle auto and homeowners insurance.
• Multi-vehicle savings if you qualify for a multi-car discount.
• Safe driver savings, including discounts tied to completing a defensive driving course.
• Student savings, which can pair well with other student auto insurance discounts depending on your household.
• Billing and payment savings, including paperless billing discounts and pay-in-full/autopay options (availability varies by state).

If you drive less than average, ask specifically how mileage impacts your quote and compare it to other carriers that emphasize low mileage discounts. Even when there isn’t a classic “low-mileage” discount, insurers may still price lower-mileage drivers more favorably.

For active-duty service members and military families, it’s still smart to compare Amica against carriers that are designed around military needs. Here are some of the best auto insurance options for active duty military members to quote alongside Amica.

Dividend policies: One of Amica’s most unique features is the option to choose a dividend policy in certain states. Dividend policies can cost more up front, but may return a portion of premium back to you when dividends are declared. (Dividends are not guaranteed and availability varies.)

Optional Coverages & Perks Worth Considering

Beyond the basics, Amica offers (or makes available) a range of add-ons. If you’re comparing quotes, these are the types of features that can explain why one company is more expensive than another.

• Full glass coverage for windshield and other glass damage (availability and details vary by state).
• Choosing the right deductible for collision and comprehensive—one of the fastest ways to change your premium.
• Roadside assistance for towing, battery jumps, fuel delivery, and lockouts.
• Help with situations involving lost keys or lock-related issues (terms vary by policy/state).
• Coverage considerations when airbags deploy—this is a common “surprise cost” in modern accidents.
• Extra transportation coverage (like reimbursement and limits) if you need a rental—see rental car coverage details.

How to Get a Quote From Amica

Getting a quote is straightforward and can usually be done online in minutes.

1. Go to https://www.amica.com/.
2. Select Auto Insurance and start a quote.
3. Enter your ZIP code and follow the prompts for drivers, vehicles, and driving history.
4. Choose your coverage limits and deductibles, then review any optional coverages.
5. Review the quote, then compare it with at least 2–3 other insurers before you buy.

If you’d rather speak with someone directly or you have questions about discounts, dividend options, or coverages, you can contact Amica’s customer service team.

FAQs on Amica Car Insurance

Final Word on Amica

Amica is a strong pick if you want excellent customer service, strong financial footing, and a straightforward direct-buy experience. It’s not always the cheapest insurer on the quote sheet, but for many drivers the claims experience and long-term reliability justify the premium.

The best way to know if Amica is “good” for you is to run a quote, compare it to a few competitors with the same coverage limits and deductibles, and then decide whether the value matches the price.