Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Amica has a unique program called “Advantage Points” which allows you to eliminate your deductible each year
  • The Amica Corporation offers homeowners, life, and car insurance
  • Not all Amica products are offered in every state

Amica Mutual Insurance Company was founded in 1907 and has its headquarters in Lincoln, Rhode Island.

The company is one of the larger car insurance companies in the United States, with annual revenues of over $16 billion, and employs more than 3,200 people in 40 offices across the nation.

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Amica Customer Service

Amica has the distinction of having been consistently rated the car insurance company with the highest customer-satisfaction rating in the United States.

The company has held this position for the past twelve years in the J. D. Power and Associates independent survey of customer satisfaction. Amica scored five out of five stars in all categories recorded.

In 2011 Amica’s score on the J.D. Power and Associates Customer Satisfaction Index was 843 out of a possible 1,000 points, placing it in first place overall among the thirty-three major companies reviewed.

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How popular is Amica Mutual?

What is surprising about these ratings is that relatively few people know about Amica’s products. The company relies heavily on its internet presence and direct-marketing strategies, plus word-of-mouth from satisfied customers, to promote its products.

Amica does not have television commercials with iconic figures which are easily recognized throughout the country like Geico or Allstate.

The company seems to feel that its quality of customer service and products is enough to promote itself – and so far, it has been correct in this theory.

About Amica Mutual Insurance Products

The Amica Corporation offers homeowners, life, and car insurance, although its car insurance is the largest and most diverse division of the company.

The company’s website offered comprehensive content on all the available insurance products and was developed with the customer service you would expect from such a highly rated company.

Not all Amica products are offered in every state, but the website has an easy-to-use tool which allows you to find which products are delivered in your state quickly.

Amica offers a wide variety of car insurance coverage. Liability insurance is available in a range of limit levels and deductible amounts.

Amica also offers collision coverage and comprehensive car insurance along with various supplemental insurance plans such as medical expenses and uninsured motorist coverage as well.

For most drivers, Amica Mutual has almost any car insurance option you need.

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Amica Car Insurance Discounts

Amica also offers discounts to its regular premium prices for many different reasons. If you renew your policy yearly with Amica, you automatically receive a renewal discount.

A year of good driving, with no traffic violations or accidents, will earn you a “good driver” discount. You can get a discount for bundling all your insurance policies with Amica or for having a multi-car policy, as well.

Amica has a unique program called “Advantage Points” which allows you to eliminate your deductible each year you do not have a claim, and to earn “accident forgiveness” in exchange for years of enjoyable driving.

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How to Buy Amica Car Insurance

Amica operates primarily through its website, offering online quotes and a phone number to speak directly to an agent. While Amica maintains 40 regional offices, it does not employ dedicated agents in local offices.

If you prefer working with an independent or dedicated agent, this may present a problem; however, with Amica’s reputation for excellent customer service, none of the current Amica customers seem to miss having a local office to which they can refer questions.

Amica maintains a 24-hour, 7-days-a-week switchboard operated by friendly customer service representatives who can give you a quote, help you file a claim, or answer questions about your coverage.

Although Amica does not have local agents, there are regional offices in most states which allow you to deal directly with your local operatives if you have problems with a claim.

With its number-one reputation for customer service, its relatively reasonable prices in most markets, and its variable policy offerings, Amica may be the company for you.

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