Amica home and auto bundle insurance in 2024

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

Bundling your home and auto insurance with Amica costs an average of $3,924 per year. That’s an 18% discount for buying both policies, also known as a multi-policy discount.

“I would say 90% of the time it’s best to bundle policies because it saves money. Some major carriers will provide benefits like a single deductible for accidents that may involve multiple policies if you are bundled, says Jake Jones, owner of North Wyoming Insurance, an insurance agency.

To find out if Amica’s home and auto bundle is right for you, Insure.com has compiled all the data below. Read on to find out how much you can save with a bundle and compare Amica to other companies.

Key Takeaways

If you bundle your home and auto with Amica, you’ll receive an average 18% discount on the annual combined premium.
The average cost of a home and auto bundle with Amica is $3,924 a year.
Amica has a low complaint volume with the NAIC and is a top-ranked home and auto insurer.

Amica home and auto bundle overview

Other than price, third-party ratings are also important. Amica’s NAIC score, which shows how many complaints have been lodged against the company, is 0.23, which is very low. Anything below 1 is a below-average complaint volume. Amica has an AM Best score of A+, which is considered superior.

The table below shows what you’ll pay, on average, if you bundle your home and auto with Amica. The average discount is 18% with an average combined premium after bundling of $3,924 a year.

Average bundled premium	Savings	NAIC score	AM Best score
$3,924	18%	0.23	A+

Pros and cons of Amica

Here are some pros and cons for Amica, according to our Best Home Insurance Companies and Best Car Insurance Companies reviews of 2024:

Pros	Cons
Customers like the amount of policy offerings	Premiums are higher than some other carriers
A high percentage of customers plan to renew	Only offered through Amica directly, not local insurance agents
Low complaint volume with the NAIC

How much does an Amica home and auto bundle cost?

The average cost of an Amica home and auto bundle is $3,924 a year, but it varies by state. The following table shows Amica home and auto insurance costs in a few sample states, before and after bundling. As you can see, the savings is over $700 a year.

State	Home insurance premium	Auto insurance premium	Premium before bundle	Premium after bundle	Saving
Connecticut	$1,612	$2,520	$4,132	$3,388	$744
Massachusetts	$2,512	$2,284	$4,796	$3,938	$858
Rhode Island	$2,268	$3,059	$5,327	$4,445	$882

Home and auto bundle rates from Amica in major cities

Where you live matters because insurance companies look at several aspects of your location when calculating rates. Weather is a factor. So are traffic and crime patterns. The claims history of your city also comes into play. The more claims in a certain area, the higher your rates will be.

The following table shows the average rates in major U.S. cities when you bundle your policies with Amica.

Cities	Bundle insurance rates
Boston, MA	$4,308
Worcester, MA	$3,994
Providence, RI	$5,170
Springfield, MA	$3,970
Bridgeport, CT	$4,362

Amica home and auto bundle insurance rate comparison

Amica ranks 7th for bundle pricing compared to other major carriers, with average premiums of $3,924. State Farm has the cheapest home and auto bundling rates of $2,853 a year.

The following table compares Amica to other carriers for home and auto bundling.

Company	Home insurance premium	Auto insurance premium	Premium before bundle	Premium after bundle
Allstate	$1,743	$2,875	$4,619	$3,886
American Family	$2,347	$1,677	$4,025	$3,340
Amica	$2,131	$2,621	$4,752	$3,924
Auto-Owners	$2,097	$1,789	$3,887	$3,417
Erie Insurance	$2,378	$1,570	$3,948	$3,332
Farmers	$3,364	$2,440	$5,804	$4,693
Nationwide	$2,809	$1,611	$4,420	$3,643
Progressive	$2,060	$2,586	$4,645	$4,245
State Farm	$2,124	$1,667	$3,791	$2,853
Travelers	$5,161	$1,823	$6,984	$6,210

Bundling with Amica vs. buying from two different companies

The tables below show the cost of having a home policy with Amica and an auto policy with other carriers, and the cost of auto insurance with Amica and home insurance with several other carriers.

As you can see, bundling doesn’t always guarantee the best deal, although in most of the examples below bundling is still cheaper. Amica’s auto insurance rates are higher than the national average so you may benefit from bundling to get a discount on those rates.

Amica home insurance with auto insurance from a competitor

Company	Home premium	Company	Auto premium	Total cost
Amica	$2,131	Allstate	$2,875	$5,006
Amica	$2,131	Farmers	$2,440	$4,571
Amica	$2,131	Auto-Owners	$1,789	$3,920
Amica	$2,131	State Farm	$1,667	$3,798
Amica	$2,131	Nationwide	$1,611	$3,742
Total cost when bundled with Amica				$3,924

Amica auto insurance with home insurance from a competitor

Company	Auto premium	Company	Home premium	Total cost
Amica	$2,621	Allstate	$1,743	$4,364
Amica	$2,621	Farmers	$3,364	$5,985
Amica	$2,621	Auto-Owners	$2,097	$4,718
Amica	$2,621	State Farm	$2,124	$4,745
Amica	$2,621	Nationwide	$2,809	$5,430
Total cost when bundled with Amica				$3,924

Should you bundle home and auto insurance with Amica?

Amica may be a good choice for bundling your insurance, but it depends on what you’re looking for in an insurer. Amica customers like the company’s policy offerings and a high percentage plan to renew their policies. Amica has a superior AM Best score of A+ and a low complaint score with the NAIC. Amica doesn’t work with agents, so it might not be your pick if you prefer personalized service.

Amica’s home and auto bundling isn’t the cheapest of all the carriers we’ve reviewed, coming in at $3,924 a year. To find out if Amica is the cheapest option, get quotes that reflect your insurance needs.

Shop around and compare quotes to get the best deal for you and your family.

Frequently asked questions

Is it cheaper to have home and car insurance together with Amica?

Bundling your home and car insurance together at Amica gives you an average 18% discount on your annual premiums. Be sure to shop around, however, because sometimes purchasing policies separately is cheaper.

Is it worth it to bundle home and auto insurance with Amica?

Amica offers a discount for home and auto bundling, has a loyal customer base and offers a wide variety of policy offerings. Bundling is well worth it if you can get a great deal in addition to a company you can trust.

What our expert says

Q: Is it best to bundle policies?

Jake JonesOwner and agent at North Wyoming Insurance, an insurance agency.

“I would say 90% of the time it’s best to bundle policies, because it saves money. Some major carriers will provide benefits like a single deductible for accidents that may involve multiple policies if you are bundled.”

Methodology

Insure.com commissioned home and auto insurance rates for major carriers from Quadrant Data Services in late 2023. Home insurance rates are based on $300,000 in dwelling and liability coverage and a $1,000 deductible. Auto insurance rates are based on a full coverage policy with 100/300/100 liability limits and $500 deductibles, using the sample profile of a 40-year-old male driving a 2023 Honda Accord LX with a clean driving record and good credit. Quadrant also provided average bundling discounts.