Amica auto insurance review for 2026

Amica auto insurance: Overall verdict

Amica ranked No. 5 in our comparison of the Best Car Insurance Companies for 2026. It ranks highly for customer renewals, has a low complaint ratio and rose one place from No. 6 to No. 5 this year. However, rates are on the higher side, and it didn’t score highly for claims handling.

Amica is a good one-stop shop for most of your insurance needs, from car to home and life policies. But if you’re looking for a bargain on insurance premiums, it may not be your first choice.

Amica availability and average premiums by state

Amica offers car insurance in every state with the exception of Hawaii. 

What auto insurance coverages does Amica offer?

Amica offers a full line of car insurance policies to meet most drivers’ needs, as well as policies for home, life, business and retirement planning.

All primary car insurance coverage options are available:

• Liability
• Collision
• Comprehensive
• Personal injury protection (PIP) and medical payments (MedPay)
• Uninsured and underinsured motorist coverage

Additional coverage offerings:

• Roadside assistance
• Rideshare coverage
• Full glass coverage
• Rental car reimbursement
• New car replacement
• Gap insurance
• Platinum Choice Auto is a package upgrade that includes no-deductible glass repair or replacement, credit monitoring, new car replacement and prestige rental car coverage.

How does Amica insurance rank?

Amica ranked No. 5 overall in our annual ranking of the top car insurance providers. Its premiums were above average, which lowered its overall rating.

On the flip side, Amica has a low complaint ratio with the NAIC and is one of the top companies for claims satisfaction in J.D. Power’s auto claims satisfaction survey for 2025, with a score well above the average of 700, although it didn’t score as well in our survey.

Here’s a look at how it compares to other car insurance providers.

*USAA is only available to military members, veterans and their families, and as a result is not ranked.

**The lower a company’s score, the fewer the number of complaints filed with the NAIC. A score higher than 1.0 means it had a higher-than-average number of complaints.

How much is Amica car insurance?

The average full coverage rate for a 40-year-old driver with Amica is $2,767 per year or $231 monthly. That compares with $1,906 per year at Erie, which had the cheapest premiums in our survey, and $3,205 per year for Allstate, another major carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. at the pricier end.

Here is a comparison of rates with several major competitors. Premiums are based on full coverage insurance at 100/300/100, with a $500 collision/comprehensive deductible for a 40-year-old driver with a good driving record.

Amica car insurance rates by state

Drivers in Connecticut, for example, will find they need to pay a little more car insurance with Amica, while those in Massachusetts will, on average, pay a little less.

Average rates by state vary. Some states have considerably higher insurance rates due to factors like severe weather and higher litigation costs. 

Here’s a sample of Amica car insurance rates from selected states for a 40-year-old male or female driver. Rate data by state from Amica through our data partner is limited, so it’s best to get a quote.

Amica insurance rates for teens

The average cost of an Amica policy for a teenage driver is $9,594.

Teen drivers are the most expensive to insure, and that holds true for Amica. Rates start to decrease at age 20. 

Here’s what a teenage driver can expect to pay annually with Amica compared to average rates for a young adult and a 40-year-old.

Amica insurance rates for adults

As you age, insurance premiums will steadily decline until about age 65. Of all age groups we reviewed, adults at age 55 will pay the lowest rates with Amica at $2,619 a year.

Here’s what adults can expect to pay on average for full coverage car insurance with Amica at various ages.

Amica insurance rates for seniors

Around age 65, drivers start to see auto insurance rates increase. 65-year-old male drivers pay $2,743 per year for auto insurance, while female drivers pay $2,743 per year. 

Car insurance companies base their rates on risk profiles, and unfortunately, there is evidence that driving becomes riskier as we age. This may be related to slower reflexes, weaker eyesight, or other factors and will certainly vary from driver to driver.

For that reason, expect to see your rates begin to increase as you reach 65, but it will not be nearly as steep as the rates you saw in your teens.

Here’s what senior drivers can expect to pay with Amica at various ages.

Amica insurance rates for drivers with tickets, accidents and poor credit

Amica’s rates for drivers with poor credit are about 57% higher than those for drivers with a clean driving record, indicating that the company gives a poor credit score significant weight.

Insurers are very good at crunching data to get accurate risk profiles of drivers at every age, stage of life and gender. Your driving record is another good indicator of risk; past tickets and accidents indicate the likelihood of more in the future.

They also consider factors you may not have considered, such as credit rating. A poor credit score may be an indicator of your ability to keep up with premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. payments and Amica is tough on drivers with poor credit.

Amica insurance discounts and ways to save

Amica’s basic insurance premiums are on the more expensive side, but it offers a wide range of car insurance discounts to help lower your rate.

Discounts are offered for bundling policies, installing safety devices, and taking driver training courses. Discounts range from about 5% to 30%, and it is possible to qualify for multiple discounts.

Amica car insurance policy discounts include the following:

• Multi-car and multi-policy discounts
• Installed car safety equipment
• Accident-free driving
• Young driver training
• Defensive driver training
• Up front annual payment
• Going paperless
• Good student discount
• Loyalty
• Going away to college discount

Sources & Methodology

Methodology

We partnered with Quadrant Information Services to field car insurance rates across all 50 states and Washington, D.C. National and state average rates are based on three coverage levels: state minimum, 50/100/50 liability-only, and full coverage with 100/300/100 liability and $500 deductibles. 

Unless otherwise indicated, averages are based on our full coverage data set. This data set is based on:

• Bodily injury liability of $100,000 per person and $300,000 per incident
• Property damage liability of $100,000 per incident
• Comprehensive and collision deductibles of $500
• 40-year-old driver
• Honda Accord LX
• Good credit
• A clean driving record
• 12-mile commute, 10,000 annual mileage

Additional rate data is drawn based on:

• Ages ranging from 16 to 75
• Excellent, fair and poor credit
• All available traffic violations
• One or more at-fault accidents

Survey data from our annual customer survey and third-party ratings were used to create each company's overall score. 

Learn more about our data and methodology.

Sources:

Amica. “Auto insurance.” Accessed March 2026.

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