Is Amica Car Insurance Legit? A Review of the Customer-Friendly Company

An image to Illustrate: Amica Insurance
Is Amica car insurance legit or a scam? Find out the truth about this company and its coverage, service, and rates in this comprehensive review/PHOTO COURTESY: Freepik

If you are shopping for car insurance, you may have heard of Amica, a company that claims to offer high-quality coverage, excellent customer service, and affordable rates.

But is Amica car insurance legit? How does it compare to other insurers in the market? And what are the pros and cons of choosing Amica for your auto insurance needs?

In this article, we will answer these questions and more.

What is Amica Car Insurance?

Amica is the oldest mutual auto insurer in the United States, founded in 1907.

As a mutual company, Amica is owned entirely by its policyholders, which means that it does not have to answer to shareholders or investors.

Instead, it focuses on providing the best value and service to its customers, who can also receive dividends from the company’s profits.

Amica offers all the standard types of auto insurance that you would expect, such as:

  • liability, collision, comprehensive, medical payments
  • personal injury protection
  • uninsured/underinsured motorist coverage

It also offers some optional coverages and features that can enhance your protection and convenience, such as:

  • Accident forgiveness: This feature prevents your rate from increasing after your first at-fault accident, as long as you have been a customer for at least five years and have a good driving record.
  • Platinum Choice Auto: This is a package of coverages and benefits that includes rental car coverage, credit monitoring, new car replacement, gap insurance, and more. You can also choose from three optional riders that provide additional benefits, such as guaranteed lifetime income, guaranteed minimum accumulation, and enhanced death benefit.
  • Dividend-paying policies: This option allows you to receive a portion of the company’s profits as dividends, which can lower your premium or be paid to you in cash. The dividend amount varies each year, depending on the company’s performance and claims experience.

What are the advantages of Amica Car Insurance?

One of the main advantages of Amica car insurance is that it has a high customer satisfaction rating, according to several independent surveys and studies.

For example, Amica ranked #1 for auto insurance claims satisfaction and #3 for auto insurance shopping satisfaction in J.D. Power’s 2022 studies.

Amica also received a high letter grade (B+) from collision repair professionals for its claims service, according to CRASH Network’s 2022 survey.

Additionally, Amica has a low customer complaint ratio, according to the National Association of Insurance Commissioners (NAIC).

This means that Amica has fewer complaints filed against it with state regulators, relative to its size, than the industry average.

Another advantage of Amica car insurance is that it offers competitive rates and discounts, especially for safe drivers and loyal customers.

Amica’s average rates are lower than most of its competitors, according to NerdWallet’s analysis.

It also offers a variety of discounts that can help you save money on your premium, such as:

  • Multi-policy discount
  • Multi-car discount
  • Loyalty discount
  • Good driver discount
  • Defensive driver discount
  • Anti-theft device discount
  • Automatic payment discount

What are the disadvantages of Amica Car Insurance?

One of the main disadvantages of Amica car insurance is that it has limited availability and accessibility, compared to other insurers in the market.

Amica does not operate in all states, and it does not have a large network of agents or offices.

Instead, it relies on its website, mobile app, and phone service to interact with its customers.

This may not be a problem for some people, who prefer the convenience and efficiency of online transactions, but it may be an issue for others, who prefer the personal touch and local support of an agent or a branch.


Amica car insurance is a legit and reputable company that offers high-quality coverage, excellent customer service, and affordable rates.

Amica has a high customer satisfaction rating, a low customer complaint ratio, and a variety of discounts and features that can enhance your protection and convenience.

However, Amica also has some drawbacks, such as limited availability and accessibility, and some restrictions and exclusions on its coverages and features.

Therefore, before you decide to buy Amica car insurance, you should carefully review the policy.

Then choose the one that best suits your needs and preferences.

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