Is Amica Good for Car Insurance?

Last Updated on October 16, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 4, 2026 · How we fact-check

Amica isn’t the loudest insurance brand on TV. It was founded in 1907, it’s rated A+ by AM Best, and it says 94% of its customers stay from one year to the next. 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. Amica calls itself the oldest mutual insurer of automobiles in the country. 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. Its product menu also covers motorcycle, marine, RV and trailer, home, condo, renters, flood, life, personal umbrella insurance, pet, wedding and event, small business, and annuities. What you can bundle depends on your state.

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.

Amica doesn’t publish a list of the states it writes in, and its site has no agent locator. Two current rate reviews both put Amica in 49 states and the District of Columbia, with Hawaii the one exception.

Auto insurance rules and pricing vary by state, so it’s still worth comparing options where you live. Hawaii is the one place Amica can’t help you at all, so if you live there, start with our guide to the best car insurance in Hawaii instead.

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 usually isn’t the cheapest option against major insurance companies. Insurance.com put Amica full coverage at $231 a month, or $2,767 a year, and said that’s above average. NerdWallet put it at $264 a month, $3,167 a year. Both figures are averages across drivers, so your own quote can land well either side of them. 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, and some of that holds up in numbers. Amica says one in three of its customers has been with it for more than 20 years, that 94% stay year over year, and that it has won 50 J.D. Power awards. Insurance.com ranked Amica fifth in its 2026 comparison of car insurance companies but gave it the second-lowest claims handling score in that survey, so the service reputation isn’t unanimous.

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.

On complaints, the record is good. As of October 4, 2026, the Better Business Bureau gave Amica Mutual Insurance Company an A+ rating and listed it as BBB accredited since 1957, with 125 complaints over the last three years and 29 closed in the last 12 months. Using NAIC complaint data for 2023 through 2025, we calculate a complaint index of 0.61 for the two Amica companies that write its auto policies, based on 136 confirmed complaints. An index of 1.00 is what companies of that size would be expected to draw, so Amica drew fewer than expected.

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 rated A+ by AM Best. AM Best affirmed that rating on March 13, 2026, and revised the outlook to stable from negative. Amica’s own site describes A+ as the second highest of AM Best’s 13 company ratings. 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: up to 30% off when you bundle auto and homeowners insurance. Umbrella and life policies count toward it too.
• Up to 25% off with two or more cars on the policy, through the multi-car discount.
• Safe driver savings: up to 20% off through the StreetSmart by Amica app, an accident-free discount after three claim-free years, and a discount for completing an approved defensive driving course.
• Student savings: a good student discount for full-time high school or college students aged 15 to 25 with a B average or better, a young driver training discount under 21, and an away-at-school discount. These can pair 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).

Two of Amica’s discounts are easy to miss. There’s a loyalty discount once you’ve been insured for two years, and a legacy discount for drivers under 30 whose parents held an Amica auto policy for five or more years in a row.

Amica’s discount page lists no mileage discount, so if you drive less than average, compare it to carriers that do offer low mileage discounts. With Amica, the route to savings for a light driver is the StreetSmart app rather than a mileage break.

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. A dividend policy costs more up front and returns between 5% and 20% of your premium when a dividend is declared. Amica says it paid $162 million in dividends to policyholders in 2025. Dividends are not guaranteed and availability varies.

Optional Coverages & Perks Worth Considering

Amica’s auto page lists roadside assistance and GAP coverage as optional add-ons, alongside personal injury protection, medical payments and uninsured/underinsured motorist coverage where your state offers them. 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.

GAP coverage, which Amica calls Guaranteed Asset Protection, is worth asking about if you financed or leased the car and owe more than it’s worth.

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. My advice is to ask for both a traditional and a dividend quote in the same call, since the cheaper one up front isn’t always the cheaper one after the dividend.

Sources

Checked October 4, 2026

• Amica — About Us
• Amica — Home Page
• Amica — Auto Insurance
• Amica — Auto Discounts
• Amica — Glass Coverage
• Amica — Contact Us
• Insurance.com — Amica Review, March 23, 2026
• Better Business Bureau — Amica Mutual Insurance Company Profile
• Business Wire — AM Best Revises Outlooks to Stable for Amica Mutual Insurance Company and Subsidiaries, March 13, 2026
• National Association of Insurance Commissioners — Consumer Insurance Search, Private Passenger Auto Complaints 2023-2025, October 14, 2026
• NerdWallet — Amica Auto Insurance Review, January 28, 2026