Last Updated: 04/18/2025
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Financial Strength Rating
A+(Verified 04/18/2025)
Amica Mutual Auto Insurance Review
Amica Mutual is a car insurance carrier based in Lincoln, RI. The insurance company was founded in 1907 and offers car insurance in 49 states (and Washington, DC).
If you're considering whether Amica car insurance is a good option for you, read on.
Amica car insurance Pros & Cons
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Amica car insurance FAQ
What types of car insurance coverage options does Amica car insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Amica car insurance customers can also add the following riders or endorsements to their insurance policies:
- Accident Forgiveness: Amica Mutual offers accident forgiveness, which excuses your first accident. This means no insurance rate increase, even if it's your fault.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Amica car insurance have roadside assistance?
Emergency Roadside Service available. Yes, Amica Mutual offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Amica car insurance offer ridesharing insurance?
No, Amica car insurance does not offer ridesharing coverage as a rider or endorsement.
What benefits does Amica car insurance offer?
Amica car insurance offers the following benefits to its customers:
- Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Amica car insurance offer?
When you ask for an insurance quote with Amica car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.
- Daytime Running Lights: This is an insurance discount you may not have heard of but it is becoming more commonplace. Daytime running lights make you more visible to drivers and pedestrians, which reduces accidents.
- Internal Safety Features: Amica car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an insurance discount.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Amica car insurance.
How does Amica Mutual calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Amica Mutual is no exception. However, you can be confident that Amica car insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Amica car insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Amica car insurance insurance quote?
- Visit the Amica Mutual website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Amica car insurance
Message from our editor
What we love about amica auto insurance
Amica offers a wide variety of auto insurance coverage types as well as many add-on options. It also comes with an optional level of coverage with upgraded features such as full glass coverage, prestige rental coverage, identity fraud monitoring, and more. The company provides many discount options to let customers save on coverage.
What could amica do better?
Amica could improve by offering the lowest costs to customers. Sometimes, a customer may pay more than expected when using this auto insurance. Also, the agents who sell the insurance will attempt to upsell you to more expensive coverage. Customers need to read the fine print carefully and make sure they are getting the coverage they want for the price expected when working with Amica.
Amica backstory
Amica Mutual Insurance Company provides direct writing of insurance policies for vehicles, marine, personal excess liability, and homeowner coverage. It also happens to be the oldest existing mutual insurer of automobiles in the United States as it dates all the way back to 1907. The long history means that Amica is known for its exceptional customer service and financial strength.
The types of auto insurance policies now available through Amica include property damage liability, uninsured/underinsured motorist bodily damage and property damage, bodily injury liability, personal injury protection, collision, medical payments, and comprehensive.
The verdict
Amica does offer a wide variety of auto insurance options. It also has many discounts, a quick and easy online quote system, and both traditional and dividend policies. However, we recommend exploring several other options before choosing one. The rates at Amica can be high for some people and you can expect to be upsold on more expensive policies.
When you choose Amica, it is available in all states and there are many perks you can choose from. However, you want to be sure that you are getting the best deal so you don’t need to switch companies down the line. Take time to do some research and make sure this is the right company for your vehicle insurance needs.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
Closed
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Learn MoreSuperMoney Net Recommendation Score
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Amica Mutual Auto Insurance Community Reviews
Would you recommend Amica Mutual Auto Insurance to your friends?
MR
Mo'nyia R.
Jul 27, 2021
May or may not recommend
Amica Mutual Auto Insurance is an excellent insurance company that offers many benefits, coverages and discounts. The only disadvantage is that if they feel you are at risk, you will be denied coverage. Besides that, I would definitely recommend you check them out.
AS
Andrew S.
Oct 23, 2020
May or may not recommend
For several years, I have dealt with a handful of auto insurance companies. Most of them proved horrible when I had a severe violation or accident. But Amica has been an exception; they outstripped other companies by providing a service that is reliable and commendable.
Showing 2 of 2 reviews
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