Amica Car Insurance Review
Amica Mutual Insurance is one of the oldest U.S. insurers, known for exceptional customer service and comprehensive coverage options. A policyholder-owned mutual company, Amica consistently ranks high in satisfaction studies.
Company & Policy Details
Company Information
Established
1907
Underwritten by
Amica Mutual Insurance
Market Position
Customer Service Hours
Mon-Fri: 8am–9pm, Sat: 10am–5pm, Sun: Closed
Ratings & Performance
Claims Satisfaction
Financial Strength
A+
Mobile App
Policy Features
No Claims Discount Protection
Up to 5 years
Telematics Option
Not available
Multi-Car Discount
Available
New for Old Replacement
Vehicles up to 2 years old
Uninsured Driver Promise
Included
Paperless Discount
Available
Key Benefits
- Top-rated customer service and satisfaction
- Dividend-paying policy options
- Strong financial strength and claims support
Available Features
Customer Service
Premium Range
From
£1100.00
Average
£1100.00
Cover Types
- Comprehensive
Coverage Distribution
Comprehensive
100.0%
Third Party Fire & Theft
0.0%
Frequently Asked Questions
Is Amica a mutual insurance company?
Yes. Amica is a mutual insurer, meaning it’s owned by its policyholders.
Does Amica offer dividends to customers?
Yes. Certain policies are eligible for dividends, paid back as a percentage of premiums.
How is Amica’s claims process rated?
Amica’s claims service consistently receives top marks from J.D. Power and other rating agencies.
Is Amica available nationwide?
Amica is licensed in most U.S. states and expanding availability.
In-Depth Provider Analysis
Expert Analysis: Amica Car Insurance
Amica Mutual Insurance Company is one of the oldest mutual insurers in the U.S., known for its exceptional customer service and policyholder satisfaction. Amica offers comprehensive auto insurance with numerous discounts, high financial stability, and personalized service through both online and agent-based channels.
Professional Editorial Review
Amica is a gold standard in U.S. insurance when it comes to service. It’s an excellent fit for drivers seeking comprehensive support, long-term value, and the trust of a mutual provider.
Market Position
High-trust provider in the premium full-service segment
Pricing Strategy
Premium pricing with dividend policy options to offset costs over time
Who Should Consider Amica? A Detailed Analysis
Amica appeals to drivers who value excellent service, strong claims support, and the long-standing stability of a mutual company. It is well-suited for families, professionals, and long-term policyholders.
Ideal Customer Profiles
May Not Be Suitable For
Key Strengths & Advantages
Industry-leading claims satisfaction
Wide range of policy customization and rider options
Available nationwide with strong service reputation
Important Considerations
Higher premiums than budget insurers
No online-only quote and bind process — agent contact may be needed
Fewer digital features than insurtech competitors
What Makes Amica Stand Out
Top-tier customer satisfaction ratings year after year
Dividend policies that return a portion of premiums to customers
Highly rated financial strength and claim responsiveness
Claims Process Analysis
Amica provides claims handling via phone and online, with quick response times and high satisfaction rates. Their adjusters are consistently praised for professionalism and efficiency.
Claims Process Highlights:
- • Online reporting available 24/7
- • Typical processing time: 5-7 working days
- • Network of approved repairers nationwide
- • Courtesy car provision where applicable
Customer Service Experience
Customer support is one of Amica’s standout features, with dedicated agents available for policy help, claim updates, and coverage advice. Support is known for its personal, courteous tone.
Service Features:
- • Business hours support (9am-5pm)
- • Online policy management portal
- • Email and phone support channels
- • Self-service options for routine tasks
UK Car Insurance Market Context
Understanding how Amica fits within the broader UK car insurance landscape helps contextualize their offerings. The following statistics provide insight into current market conditions and help you evaluate whether Amica's approach aligns with your needs.
These market statistics help put Amica's pricing and service levels in perspective. When comparing quotes, consider not just the premium but also the level of service and coverage you're receiving relative to these industry benchmarks.
Expert Analysis by Sarah Mitchell
Sarah is a licensed insurance expert with over 8 years of experience in the U.S. auto insurance market. She focuses on consumer education, policy comparisons, and claims support.
Areas of Expertise:
Methodology: This analysis is based on comprehensive research including policy documentation, customer feedback analysis, claims data review, financial strength assessment, and competitive market analysis. We maintain strict editorial independence and regularly update our reviews to reflect market changes.
Last updated: 8/5/2025 | Word count: Approximately 1,200 words | Reading time: 5-6 minutes
Detailed Questions About Amica
How does Amica compare to other budget insurers in terms of value for money?
Amica positions itself competitively within the budget insurance segment by focusing on essential coverage at competitive rates. While they may not offer the extensive additional benefits of premium providers, they deliver solid core coverage that meets legal requirements and provides reasonable protection for most drivers. Their pricing strategy typically places them in the lower quartile of market rates, making them attractive for cost-conscious consumers.
What should I expect from Amica's claims process?
Amica provides claims handling via phone and online, with quick response times and high satisfaction rates. Their adjusters are consistently praised for professionalism and efficiency. The key is to report claims promptly and provide all required documentation upfront to avoid delays. While they may not offer 24/7 claims support, their online reporting system allows you to initiate claims outside business hours.
Is Amica suitable for young or inexperienced drivers?
Amica can be particularly attractive to young drivers due to their competitive pricing, which is crucial for this demographic facing higher insurance costs. However, young drivers should consider whether the lack of telematics options might mean missing out on potential additional savings available through usage-based insurance programs offered by some competitors.
How reliable is Amica for long-term coverage?
Amica has maintained a consistent market presence and financial stability through their underwriter. For customers seeking long-term relationships with their insurer, the key considerations are their renewal pricing competitiveness and whether their service model continues to meet your evolving needs. Budget providers like Amica work best for customers who prioritize cost over premium service features.
Transparency & Methodology
This comprehensive analysis represents independent editorial opinion based on extensive research ofAmica's policies, customer feedback, financial strength, and market positioning. We do not receive compensation from Amica for this review, and our analysis aims to provide balanced, factual information to help consumers make informed decisions.
Data Sources: Policy documents, regulatory filings, customer satisfaction surveys, industry reports, and comparative market analysis. All information is verified against official sources and updated regularly to maintain accuracy.
Important: Insurance needs vary significantly between individuals. This analysis provides general guidance, but you should obtain personalized quotes and review policy terms before making decisions. Prices and policy terms may change, and actual quotes will depend on your specific circumstances.
Next Steps with Amica
How to Get Coverage
- Visit Amica's website directly
- Takes about 10-15 minutes to complete
- Have your vehicle registration and driving license ready
Important Note
The statistics and information shown here are based on real market research and actual policy data. However, your actual quote may vary based on factors such as:
- Your vehicle's age, make, and model
- Your age, driving history, and location
- No claims bonus and voluntary excess
- Current market conditions and provider pricing
Please contact Amica directly for the most accurate and up-to-date quotes for your specific situation.