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Advantage

As the oldest mutual insurer of automobiles in the nation, Amica has been protecting drivers for nearly 100 years. We’re very proud of our history, our employees, and our unprecedented customer service record—these are some of the things that make Amica so special.

Personal Service

Whether you have a coverage question or a claim, you’ll always get a friendly answer and fast results. We have implemented cutting-edge technologies to expedite our services, but building a personal relationship with you is the core of Amica’s business philosophy. Our customer service representatives live by the golden rule, treating you with the same courtesy, attention to detail, and concern they would expect if they needed help.

An industry-leading customer retention rate, with over one-third of our customers staying with us for 20 years or more, and thousands staying with us for an amazing 50 years or more.

Amica Ratings

  • 2.8
    coverage
  • 2.7
    cost
  • 2.5
    service
  • 2.3
    claims
  • 2.6
    overall rating

Based on 45 review – 1 is lowest, 5 is highest

All Reviews | Submit Review | InsuranceUSA Rating System

Word-of-mouth recommendations—many new customers choose Amica because of the good things they’ve heard from friends or relatives who are already Amica policyholders.
See what others have to say.
Contact us.

Fast Claims

If there is ever a time when speed counts, it’s when you’ve suffered an automobile or property loss and you need to return to your normal routine quickly. We pride ourselves on prompt and efficient handling of claims. Amica retains more staff per policyholder than most insurance companies, so you can be sure your claim will receive the time and personal attention it requires.

From your first contact with us until resolution of your claim, these are just a few ways we make the claims process swift and smooth:

You can report claims on-line. It can take as little as five minutes from the comfort of your home or office. Whether it is your auto or home that is damaged, the key word at Amica is choice.

Unlike many other insurers, repairing the damage to your auto or home can be as simple as obtaining one estimate from a contractor or repair facility of your choice. If you’re not sure who you’d like to repair the damage, one of our claims professionals can help through Amica’s Repair Assistance Programs.

Amica’s goal is to pay claims within 24 hours once the amount of the covered loss is agreed upon and the necessary documentation is received. In emergency situations, we can even electronically transfer funds to your local bank.

Even in the event of a major disaster, such as a hurricane, tornado, or earthquake, we help our customers to rebuild their lives quickly. Amica’s catastrophe (CAT) teams are deployed immediately into disaster areas to ensure that our policyholders receive the help they need as soon as possible.

Financial Strength

We have the proven ability to meet our claims obligations. Thanks to our prudent investment philosophy and careful business practices, the money will be there when you need it. Amica is a well-managed, financially stable company with a strong capital position, experiencing increased assets, consistent growth, and financial gains year after year.

Amica’s financial strength is recognized by a leading industry rating company:

A++ (Superior): The highest rating available!— Awarded by A.M. Best Company, a leading insurance analyst.1

When you purchase insurance, you are buying a promise that the coverage will be there for you. That promise is only as good as the company behind it. Our financial strength means your decision to become an Amica customer will be a sound one today and tomorrow.

Read the Annual Report.

Deal Direct

Since Amica sells products directly using no agents, we maintain efficient operations—which translates into lower costs for you. It also means you get exceptional personal service. Your insurance needs are unique, and our personalized approach allows us to provide you with the confidence and security you deserve.

Additionally, dealing direct will save time and ensure clear communication in changes and transactions to your account. Our service representatives have shared access to your file—you’ll never have to wait to speak to one particular person. We’re here to serve you as a team.

Careful Underwriting

Amica seeks to insure responsible drivers because they cause fewer accidents. This policy translates into lower expenses and ultimately lower premiums for our policyholders.

Billing Flexibility

You can pay your premiums in two, three, four, or up to ten installments—you choose what works for you.

Save on postage and avoid mailing or processing delays by using the Automatic Payment Plan, where your premium is automatically deducted from your bank account. It’s a secure transaction and one less bill you’ll have to remember.

And as a policyholder, you can check your account on-line to keep track of your payments.

Policyholder Owned

Amica Mutual Insurance Company is the parent of all of The Amica Insurance Companies. Being a mutual company means that we do not have any stockholders or investors — we are owned by our policyholders.

Because we are a mutual company, profit is not our primary goal. Amica’s objective is to serve our policyholder needs to the best of our ability.