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Last reviewed: May 19, 2026

Auto Insurance Review

Published: May 19, 2026Written byRai AntonioReviewed byDavid KrugData byFelix Lucero
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Amica Mutual Auto Insurance Review

Amica is the carrier you choose when service quality matters more than price. It consistently ranks at or near the top of customer satisfaction studies, and its dividend policies return premium dollars back to policyholders. The premium is real — Amica is rarely the cheapest carrier in a quote comparison — but the service trade-off is also real.

Headquarters
100 Amica Way, Lincoln, RI 02865
Website
www.amica.com
Phone
800-242-6422

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Key takeaways

Amica is widely regarded as the gold standard for customer service in personal-lines insurance — and consistently tops J.D. Power surveys.

— QuoteYeti editorial team
  1. 02 Coverage menu is strong, with platinum-tier options like Platinum Choice Auto adding meaningful benefits.
  2. 03 Pricing typically runs above market — you're paying for the service tier, and it's a real trade-off.

Amica Mutual ratings

Overall score
Customer experience 4.60/5
Coverage breadth 4.20/5
Affordability 3.00/5

Pros and cons

Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.

What's working

  • Top pro High customer satisfaction ratings: Amica is known for its excellent customer service and has consistently high ratings in customer satisfaction surveys.
  • Robust coverage options: Amica offers a wide range of coverage options for car insurance, including liability, collision, and comprehensive coverage.
  • Good optional coverage offerings: Amica offers several optional coverage options, such as roadside assistance, rental reimbursement, and glass coverage, which can provide additional protection and peace of mind.
  • Decent discounts available: Amica offers several discounts for car insurance, such as multi-policy discounts, safe driving discounts, and loyalty discounts, which can help drivers save money on their premiums.
  • Strong financial stability: Amica has a strong financial stability rating and has been in business for over 100 years, which can give drivers confidence in their insurance provider.

What's not

  • Top con High rates: Amica's rates are generally higher than other car insurance providers, which can make it less affordable for some drivers.
  • Higher-than-average level of complaints: Despite its high customer satisfaction ratings, Amica has a higher-than-average level of complaints filed with the National Association of Insurance Commissioners (NAIC).
  • Not available in all states: Amica only offers car insurance in 49 states, so drivers in certain areas may not be able to use Amica as their insurance provider.

Our verdict

The bottom line

Amica is the right answer if customer service is your top priority and price is a tiebreaker. If price is your top priority, you can save 20-40% with USAA (if eligible) or GEICO without giving up much for most drivers.
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