Amica is a leading car insurance provider with flexible policies, a solid reputation for customer service and a wide selection of discounts.

We like that Amica’s Platinum Choice® plan includes useful perks like new car replacement coverage, no-deductible glass coverage and increased rental-car benefits with no daily limit.

Amica’s rates are higher than average, but customers in some states may be eligible for dividends that could lower their annual premiums.

Amica offers auto insurance in 49 states and Washington, DC. It does not issue policies in Hawaii.

Basic coverage

A full coverage policy is typically required if you’re financing or leasing your car.

• Liability car insurance: The minimum coverage allowed in most states, liability pays for damages and expenses if you or someone else driving your car is at fault for an accident. 
• Collision coverage: Pays to repair or replace your vehicle after an accident.
• Comprehensive coverage: Pays for damages or losses not caused by a collision, including theft, weather damage or hitting an animal.

Additional coverage

These policies are required in some states in addition to full coverage.

• Personal injury protection (PIP) insurance: Also known as no-fault insurance, PIP covers medical bills, lost wages, child care and even funeral costs.
• Medical payments insurance: Covers medical bills for you, your passengers and any pedestrians, regardless of fault.
• Gap insurance: Pays the difference between your car’s actual cash value and the balance of your loan or lease if the vehicle is totaled or stolen.
• Uninsured/underinsured motorist insurance: Covers repairs and medical bills if you are in an accident with a driver with little or no insurance.

Add-ons

Optional features offered by Amica.

• Accident forgiveness: Points earned through the Good Driving Rewards Program can be put toward accident forgiveness or a disappearing deductible.
• New car replacement: If your car is stolen or totaled, Amica will provide money for a brand-new vehicle, not just the depreciated value. (Vehicle must be under one year old and have less than 15,000 miles on it.)
• Full glass coverage: Waves deductible for glass repairs or replacement
• Roadside assistance: 24/7 help with towing, flats, jumps, unlocking doors and delivering fuel
• Rental reimbursement: Covers transportation costs if your car is totaled or in the shop for covered repairs. nd more
• Platinum Choice® Auto: Deluxe policy that includes new car replacement, glass repair or replacement, credit monitoring, deluxe rental-car coverage with no daily limit and other benefits.

Amica offers a variety of discounts. Not all are available in every state and some discounts may not be combined:

• Accident-free: Lower your rate by going at least three years without an at-fault accident.
• Automatic payment: Get a discount for setting up automatic payments.
• Defensive driver training: Get a discount for completing an online defensive driving course sponsored by the National Safety Council.
• Good student discount: Full-time students under 25 who maintain at least a B average can save
• Homeowner discount: Homeowners can qualify for a discount, regardless of whether Amica is your home insurance provider.
• Legacy discount: You may qualify for a legacy discount if you’re under 30 and your parents have had an auto policy with Amica for at least five years.
• Loyalty discount: Amica may offer discounts to customers who have been with any auto insurer for two years or more.
• Multi-policy discount: Save up to 30% when you bundle Amica auto insurance with a home or life insurance policy.
• Multi-vehicle discounts: Up to 25% off when you insure two or more vehicles on one policy.
• Paperless: Receive policy documents and bills electronically
• Pay-in-full discount: Save by paying your annual premium upfront all at once.
• Safety features: Lower your rate if you have airbags, adaptive headlines, electronic stability control or other safety enhancements
• StreetSmart: Amica’s usage-based insurance program rewards drivers with discounts based on safe driving habits.
• Student away at school: If you have a driver on your policy who is at school without a car, you may qualify for a discount
• Young driver training: Discount for drivers under 21 who complete a driver training program.

Amica has an enviable reputation for customer satisfaction: It was ranked No. 1 in New England in J.D. Power’s 2024 U.S. Auto Insurance Study, which measured customer satisfaction in 11 geographic regions, and came in first place in J.D. Power’s nationwide survey on the claims process.

According to the National Association of Insurance Commissioners (NAIC), Amica receives fewer complaints than other car insurance companies.

The Better Business Bureau issued Amica Insurance an A+, based on information about complaints and other customer interactions.

Amica’s customer service line is available seven days a week and the website has a chat feature with both a virtual assistant and live representatives available to answer questions.

Amica offers policies for:

Here’s how Amica stacks up against two leaders in the auto insurance space.

Amica and Safeco offer similar coverage options, including rental reimbursement and 24/7 roadside assistance, but only Amica has gap insurance.

A price comparison is a wash: While Amica’s rates are higher than average, Safeco doesn’t make average rate information available online. If you enjoy the convenience of enrolling online, however, Amica is the clear choice — Safeco only sells policies through its network of independent agents.

Both Amica and Safeco have telematics programs that track driving habits but, while Amica says its StreetSmart app can save users up to 20%, Safeco claims its RightTrack program can knock as much as 30% off your premiums.

Amica is top-rated for customer satisfaction, while J.D. Power rated Safeco well below the industry average in its 2024 auto insurance study. It did score above average for claims satisfaction, but nowhere near as well as Amica.

And, according to the NAIC, Safeco receives more complaints than expected based on its size.

Rates for both Amica and Farmers are higher than many competitors, but both offer widespread availability: Amica issues car insurance in 48 states, compared to Farmers’ 42.

Farmers trails Amica in customer service, wavering between average and below average in J.D. Power’s surveys. Both companies have fewer complaints than expected, however, and both received an A+ from the Better Business Bureau.

While Farmers lacks gap insurance, it includes several discounts that Amica doesn’t — including for military families.

Amica is a great option if you’re willing to pay more for superior service and customizable coverage. Its top-tier Platinum Choice plan rolls in new car replacement coverage with identity fraud monitoring and full glass protection with no deductible.  

Amica is also one of our favorite homeowners insurance and life insurance providers and its bundling discount is worth up to 30% off. That could take a serious bite out of your premiums and make Amica a winner on price, as well.

CNBC Select reviews auto insurance products using a variety of criteria, including coverage options, average rates, availability, discounts and customer satisfaction. 

In addition, we incorporate results from the National Association of Insurance Commissioners‘ complaint index, Better Business Bureau ratings, A.M. Best’s financial strength scores and other independent sources, including J.D. Power surveys on insurance shopping, the claims process, the digital consumer experiences and overall customer satisfaction.

Auto insurance rates may come from various sources, including the provider and state insurance departments.

Catch up on CNBC Select’s in-depth coverage of credit cards, banking and money, and follow us on TikTok, Facebook, Instagram and Twitter to stay up to date.