Amica auto insurance review for 2021

Amica was founded in 1907 and is that the oldest mutual car insurer within the country. It offers insurance policies altogether states apart from Hawaii. Amica auto insurance ranks highly in customer satisfaction. Amica is one among the highest insurance companies for patrons looking to customize coverage without breaking the bank. Our Amica automobile insurance review finds the insurer is best for younger drivers in search of excellent discounts and a simple sign-up process.

Amica Quickpoints

• Average full coverage premium: $1,449
• Region offered: Amica provides insurance to all or any states except Hawaii.
• Market share: 0.50%
• AM Best rating/financial strength profile: A+ (Superior)
• J.D. Power rating: 5/5

Amica customer satisfaction and complaints

We checked out J.D. Power’s studies to urge an image at how Amica fares in terms of customer satisfaction. Amica provides automobile insurance altogether states except Hawaii and receives a 5/5 Power Circle rating from J.D. Power for claim satisfaction.

An affordable policy is a clear priority. But knowing that your claims are going to be handled quickly and paid out with ease is vital when you’re shopping around for automobile insurance . Larger insurance companies tend to attain poorly when it involves customer satisfaction and claims handling thanks to the quantity of consumers and claims. Amica seems to stay aware of policyholders no matter the company’s size.

How factors affect Amica’s auto insurance rates

We sampled a spread of rates from Amica Insurance to bring you a mean cost for automobile insurance . Many factors can affect the value of auto coverage, like location, age, vehicle type and driving history. Therefore, your actual quote may vary from those provided below. Averaging quotes may be a great way to ascertain how Amica compares to other insurance companies, and the way rates change consistent with your current driving record.

How driving record affects Amica automobile insurance rates

Accidents

All insurance companies penalize policyholders (to varying degrees) liable for an accident. Car accidents are costly; the Insurance Information Institute reported that one accident from a driver carrying insurance can cost a carrier almost $23,000 in bodily injury and property damage combined. Causing an accident are going to be expensive for the insurer and that they will pass the value on to you. Amica seems to follow the trend; annual auto insurance premiums are quite 50% higher after a crash.

Speeding ticket

Insurance companies consider speeding to be a high-risk activity, which could lead on to an accident. If you’re cited for speeding, expect your Amica automobile insurance to extend over 20% or about $310 on the average . This rate increase will typically stay in effect for up to 3 years.

Poor credit

A automobile insurance company will typically review your credit history to measure the danger you pose. If you've got a poor credit score, an insurance firm could see you as someone who doesn’t make the simplest decisions and is riskier to insure.

Although this is often a standard practice, it's restricted in some states. California has banned insurers from determining your rates supported your credit; Hawaii and Massachusetts also restrict this practice. In states where credit may be a factor, Amica will penalize you more for poor credit than for an accident. confirm to buy around before you check in for a selected provider, and take steps to enhance your credit to seek out long-term savings. you'll always ask an insurer to review your policy’s rates once you raise your credit score.

Amica auto insurance discounts

Amica offers policyholders the quality discounts you’d expect from an insurer, such as:

• Multi-policy
• Good student
• Paperless billing
• Autopay
• Paid fully

The insurance firm also features a few unique discounts worth finding out .

Unique discounts offered by Amica

Legacy discount

The Legacy discount may be a combination of loyalty and family discount. Younger drivers under 30 can reduce the high cost of automobile insurance if their parents have had auto insurance with Amica for a minimum of five years.

Forward-collision & adaptive headlight discounts

Newer vehicles are engineered to be safer with a spread of technology that reduces the prospect of accidents and injury. Amica’s discounts for the newest safety tech could prevent some money on your insurance.

Good Driving Rewards

When you check in for the program, you'll earn points you'll use to scale back your deductible, for accident forgiveness or to pay a part of the expense after an accident. You’ll earn points consistent with the length between claims, how long you’ve been with Amica, the amount of policies you hold and if you refer others to the carrier.

Amica auto premium length

Amica is transitioning its auto insurance from annual policies to 6 months. Shorter policies means your rates are going to be up for review more often. this might be good or bad, counting on your driving record and other risk factors. If you’re a secure driver, the more frequent rate reviews and renewals shouldn’t be a problem . But if you've got tickets or negative changes in your credit score, your premiums could go up before you anticipated.

Amica vs. other insurance companies

Amica mobile app and digital experience

Amica’s website and mobile app are both designed to be simple and very user friendly. once you found out an account, you can:

• File and track claims from both the web site and mobile app
• Manage your policy from either method
• Pay bills online or through the app
• Get roadside assistance 24/7 through the mobile app

Alternative insurance products offered by Amica

Besides auto insurance, Amica also offers business insurance, financial planning, umbrella insurance, homeowners policies and life assurance . The insurer is one among the foremost complete insurance companies you’ll find.

In the spotlight

• Younger drivers under 30 can qualify for a Legacy discount if their parents are insured with Amica within the past years
• Amica ratings for a way the insurer handles claims places it because the top carrier in customer satisfaction
• Amica offers insurance like homeowners, renters and vehicle coverage also as financial services
• Amica supports qualified, community-based non-profit organizations serving Rhode Island

Methodology:

Coverage Utilizes Quadrant Information Services to research quoted rates from thousands of zip codes across all 50 states, using Amica’s premiums written. Quoted rates are based round the profiles of a 30 year male and feminine with clean driving records, good credit and therefore the following full coverage details:

• $100k bodily injury liability per person
• $300k bodily injury liability coverage per crash
• $100k property damage liability coverage per crash
• $500 collision coverage deductible
• $500 comprehensive coverage deductible

Minimum coverages were applied to match state requirements. Both drivers used a replacement , financed 2018 Toyota Camry, commuting 5 days every week and driving 12,000 miles per annum .

An accident was defined as an at-fault accident with $3k in property damage. A speeding incident was defined as speeding 16-20 MPH over the limit.

These rates were publicly sourced from insurer filings and will be used for comparative purposes only – your own quotes could also be different.