Best Car Insurance Companies

Amica auto insurance review and ratings 2024

Amica is 10th in the 2024 Insure.com Best Car Insurance Companies ranking. The insurer gets high marks for policy offerings and a large number of customers said they will renew their policies with the company.

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Our take

Amica auto insurance is No. 10 in Insure.com’s Best car insurance companies ranking for 2024 with 3.93 stars out of 5.

Amica, the oldest mutual auto insurer in the United States, offers a variety of insurance products in addition to car insurance. These include policies such as home, renters, life, umbrella, flood insurance and more. Since Amica is a smaller company, it doesn’t cover all states. It’s a direct-buy insurance company that doesn’t have local agents. That hasn’t stopped the company from earning a reputation for top-notch service.

Eighty-four percent in Insure.com’s survey of insurance consumers, 84% of Amica’s customers said they would recommend it, the same number who said they were satisfied with their policy offerings. The insurer also offers 15 discounts, which help keep rates lower. The company had a strong A+ financial stability rating from AM Best and, among the companies in our ranking, has one of the lowest complaint scores from the National Association of Insurance Commissioners.

Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here, including an explanation of our survey scores.

Amica
Amica Ratings
Overall Rating: 3.9
Average Premium: 2.4
NAIC: 0.61
Customer Satisfaction: 3.8
AM Best Rating: A+

Pros and Cons

Pros:
  • Customers are highly likely to renew their policy with Amica
  • The company has a unique list of insurance discounts
Cons:
  • It doesn’t have the cheapest rates of the companies we ranked
  • It offers direct buy only with no local agents

How much does Amica cost?

Amica runs a bit higher than average for affordable car insurance. Its monthly average rate is $185, higher than Auto Club Group (ACG) – AAA and other large insurers, such as Nationwide, Geico, State Farm and Progressive. It is slightly less expensive than Auto Club of Southern California, Farmers and Allstate. 

Company Monthly Premium Customer Satisfaction
USAA$11583%
Erie$12390%
Nationwide$12977%
Auto-Owners$12971%
Travelers$13271%
Auto Club Group (ACG) – AAA$13559%
American Family$14289%
Geico$14775%
State Farm$16584%
Progressive$16670%
Amica$18572%
Auto Club of Southern California (Auto Club Enterprise Insurance Group)$19280%
Mercury$19368%
Farmers$19984%
Allstate$20975%
CSAA Insurance Group$21775%

How Amica scores for customer satisfaction

Seventy-two percent of Amica’s customers were satisfied with the company’s customer service. That puts it in the lower middle of the companies we ranked. However, it has a higher satisfaction rate than bigger insurers such as Auto Club Group (ACG) — AAA, Travelers and Auto-Owners. Erie led this category, with 90% of its customers giving it high marks. 

CompanyCustomer satisfaction
Amica72%
Erie90%
Auto Club Group (ACG) 59%

How Amica scores for ease of service

Seventy-six percent of Amica’s customers say they have an easy time accessing their policy information, documents and services. Erie led this category.

CompanyCustomers satisfied with ease of service
Amica76%
Erie90%
Auto Club of Southern California 85%

How Amica scores on policy offerings

Amica offers 14 various policies, such as home, umbrella, and renters, in addition to auto insurance. Eighty-four percent of Amica’s respondents said they were satisfied with the companies’ policy offerings. Amica earned one of the highest rankings in this category, which Erie led. Most companies received scores in the 70th and 80th percentiles.

CompanyCustomers satisfied with policy offerings
Amica84%
Erie88%
American Family87%

Would current customers recommend Amica to others?

Erie took the top spot in this category with a score of 100%. Amica came in lower with a score of 84%.

CompanyCustomers who would recommend the company
Amica84%
Erie100%
Auto-Owners89%

How trustworthy is Amica?

More than 70% of Amica’s customers ranked it as trustworthy. Most insurers had room to improve in the trustworthiness category. Erie was the top-scoring insurer in the survey at 86%.

CompanyTrustworthiness
Amica72%
Erie86%
Progressive75%

Do Amica customers plan to renew?

A High percentage of Amica’s customers plan on renewing their policy with the company. Erie Insurance led the category and was the only insurer in the survey to receive a 100% renewal percentage. Erie was followed by Auto Club of Southern California and Mercury, and then a tie between Amica, Progressive and State Farm at 92%.

CompanyCustomers who plan to renew 
Amica92%
Erie100%
Nationwide84%

How well does Amica handle claims?

Sixty-one percent of Amica’s customers were satisfied with how the insurer handled their claims after an accident or vehicle incident. Allstate led this category at 86% and State Farm at 85%.

Company Claims handling
Amica 61%
Allstate 86%
Auto Club of Southern California 67%

How is Amica’s digital experience?

The online experience is often a customer’s first impression of an insurance company, and finding necessary information, phone numbers and policy details is essential to customer satisfaction.

Forty-eight percent of Amica’s customers were satisfied with their digital experience, which was middle of the road compared to other companies. But no company did particularly well here. Geico received the highest satisfaction for digital experience at 64%.

Company Digital/online experience
Amica 48%
Geico 64%
Auto Club of Southern California 40%

How does Amica score for discounts?

Amica offers many discounts — 15 different options — and 60% of customers approve of Amica’s discounts. Discounts offer customers rate reductions for personal criteria, such as having a good driving history, remaining accident-free, being a good student and more. The Auto Club of Southern California led this category.

Company Discounts
Amica 60%
Auto Club of Southern California 70%
American Family 57%

How does Amica score for bundling policies?

When customers bundle their auto, home and life policies, they often save on their overall premium. Erie Insurance has the highest percentage of customers giving it high marks in this category.

Company Bundling
Amica 48%
Erie 66%
Geico 37%

Amica coverage types

  • Liability
  • Collision 
  • Comprehensive 
  • Uninsured and Underinsured 

Amica discounts

  • Accident-free
  • Anti-theft devices
  • Autopay
  • Bundling (auto with home, umbrella and life policies)
  • Defensive driving training 
  • Electronic stability control
  • Forward-collision warning 
  • Multi-line
  • Paid in full
  • Paperless
  • Passive restraints 
  • Good student
  • Loyalty and parent loyalty
  • Student away at school
  • Young driver training

Other policies offered

  • Condo
  • Flood
  • Home
  • Life
  • Marine
  • Motorcycle 
  • Pet
  • Renters
  • Retirement
  • RV and trailer
  • Small business
  • Umbrella
  • Wedding and event

States where Amica offers coverage

Graph
Table
States where Amica offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington D.C.
West Virginia
Wisconsin
Wyoming
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Available
Not available

Company background

Amica

Amica was founded in 1907 in Providence, Rhode Island, as the Automobile Mutual Insurance Company of America. It’s the oldest mutual insurer of automobiles in the country. The company now features locations across the country. With 3,700 employees, it’s far smaller than companies like State Farm and Nationwide.

Resources & Methodology

Sources:

Amica. “Car insurance coverage.” Accessed February 2024.

Methodology

Insure.com in the fall of 2023 surveyed more than 1,750 insurance consumers (1,459 people with auto insurance). Online market research company Slice MR conducted the survey. Respondents were asked to name their auto insurer and then grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents were then asked to pick their insurer’s top three attributes out of more than a dozen presented – trustworthiness, claims satisfaction, digital experience, discounts and best for auto/home bundling. The responses for each attribute were totaled and then divided by the number of each company’s customers who responded to that survey question to create a percentage. 

Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with the statement. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. 

They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC company code or codes that were the primary underwriting companies for each carrier and line of business using total annual premiums. The associated NAIC complaint index score was used in the calculations. If more than one underwriting company was identified for a line, the editors used a weighted average of the NAIC complaint index scores.

In addition, we also created star rankings for each company. Respondents were asked to pick their insurer’s top three attributes out of the more than the dozen presented, again including customer satisfaction and policy offerings. The number of responses for each attribute was totaled and then divided by the number of each company’s customers who responded to that survey question to create the star ranking. 

The editors also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • Annual premium: 20% of the total score
  • AM Best: 25% of the total score
  • NAIC: 15% of the total score

Each insurer was awarded from half a star to 5 stars. No insurer in our star ranking received less than half a star and 5 stars was the most any insurer could receive.

author image
Katrina Raenell
Contributing Researcher

 
  

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.

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