Amica Auto Insurance Review 2025: Unpacking Value, Dividends, and Why It Consistently Ranks #1 for Service

If you’ve ever typed best car insurance companies into your search bar, chances are Amica Auto Insurance appeared at the top of the list. In 2025, this century-old mutual insurer continues to set the gold standard in customer satisfaction, dividend returns, and policy flexibility. But what exactly makes Amica different, and is it really worth the cost?

In this in-depth review, we’ll explore everything you need to know about Amica car insurance, from its famous dividend policies to Platinum Choice Auto benefits, customer service accolades, claims process, discounts, and even how it stacks up in side-by-side comparisons like Amica vs Geico and Amica vs Progressive. Whether you’re a first-time driver or a seasoned policyholder seeking a better experience, this is your go-to guide to Amica in 2025.

What Is Amica Mutual Insurance?

Amica Mutual Insurance Company was founded in 1907 and remains one of the few mutual insurance companies in the U.S. That means it’s owned by its policyholders—not shareholders—which directly impacts everything from dividend payouts to customer service quality.

Unlike publicly traded competitors, Amica reinvests profits back into policyholders via dividends and low rates. It’s a structure that prioritizes the long-term satisfaction of customers, which is part of the reason why it consistently appears in rankings for top rated auto insurance companies.

Amica Auto Insurance at a Glance

• Founded: 1907
• Policyholder-owned (Mutual)
• Availability: 49 states (excluding Hawaii)
• A.M. Best Rating: A+ (Superior)
• J.D. Power Claims Satisfaction (2024): #1 in auto insurance claims satisfaction
• Dividends: Available on select policies
• Digital Experience: Amica login, online claims, mobile app, 24/7 customer support

Amica offers both minimum coverage requirements and full coverage auto insurance, including optional protection like gap insurance, new car replacement, and roadside assistance.

Amica’s Dividend Policy Explained

How do Amica dividends work?

If you opt for a dividend policy, you’ll receive a percentage of your premium back—often 5–20%—at the end of the policy term. These dividends are not guaranteed annually but are historically consistent, especially in strong financial years.

According to Amica, over 90% of eligible customers received a dividend in the last five years. The amount depends on your Amica insurance cost, policy type, and claims history. It’s a unique feature that can offset what some might consider higher premiums.

Coverage Options: What Does Amica Offer?

Amica’s coverage options are robust and include standard features as well as rare perks. These include:

• Liability Coverage (Bodily Injury & Property Damage)
• Comprehensive & Collision
• Uninsured/Underinsured Motorist
• Medical Payments or Personal Injury Protection (PIP)
• Amica Platinum Choice Auto – Includes identity fraud monitoring, full glass coverage, rental car reimbursement, and more
• New Car Replacement Coverage – Replaces totaled cars less than one year old with a brand-new equivalent
• Amica Gap Insurance – Covers the “gap” between your car’s value and the remaining loan or lease balance
• Roadside Assistance – 24/7 emergency towing, fuel delivery, lockout service

Want the full rundown of how Amica stacks up in policy options? Visit the Noble Quote Learning Center for guides on coverage types.

Discounts: The Full Amica Auto Insurance Discounts List

What discounts does Amica auto insurance offer?

Amica rewards safe habits, loyalty, and bundling. Here’s their 2025 discount menu:

• Amica Safe Driver Discount
• Amica Good Student Discount
• Home and Auto Bundle Discount (Save up to 30%)
• Multi-Vehicle Discount
• Loyalty Discount
• Anti-Theft Device Discount
• E-Billing and AutoPay Discount
• New Car Discount
• Defensive Driver Course Discount
• Student Away at School Discount

These incentives can drastically reduce your Amica full coverage cost, especially for families, young drivers, or those adding home insurance.

Amica StreetSmart Program: Driving Tech with a Purpose

How does Amica StreetSmart work?

Amica’s StreetSmart is a telematics program designed to monitor driving habits through a mobile app. Drivers who avoid hard braking, fast cornering, and excessive speeding may earn additional discounts.

Participation is voluntary, and many drivers see savings after just one evaluation period. It's especially beneficial for teens or newer drivers looking to save and stay accountable.

Amica Claims Process Review: What to Expect

How to file a claim with Amica auto insurance?

1. Call Amica claims number (1-800-242-6422) or use your Amica login
2. Provide details: date, location, parties involved
3. Submit documentation (photos, police reports if applicable)
4. Schedule inspection or digital appraisal
5. Track progress online or via mobile app

Amica’s claims satisfaction regularly tops the industry. Most customers receive compensation within a few days, and adjusters are praised for clear communication and empathy.

Amica Customer Service Ratings: Why They Rank #1

Amica leads the pack in customer service satisfaction, and for good reason. J.D. Power, Consumer Reports, and NerdWallet all consistently rank Amica in their best auto insurance for customer service lists.

In fact, Amica insurance reviews frequently cite:

• Fast claims resolution
• Friendly, knowledgeable reps
• No surprise fees
• Easy communication
• Transparent policy changes

It’s not just customer service—Amica’s overall company culture focuses on long-term relationships, not just transactions.

Understanding Amica’s Financial Strength

What is Amica’s AM Best Rating?

Amica currently holds an A+ (Superior) rating from AM Best, meaning it has excellent financial health and claims-paying ability. This is a vital metric when choosing an insurer that will be around (and reliable) when you need them most.

Amica Rates vs Competitors: Is It Really Worth It?

Is Amica auto insurance expensive?

Amica isn’t always the cheapest—Amica rates tend to fall in the mid-to-high range. However, the dividends, discounts, and exceptional service can provide more value over time.

Here’s a quick snapshot:

When comparing Amica vs State Farm, Amica vs Progressive, or Amica vs Geico, it’s clear that Amica’s mutual company model provides unmatched customer satisfaction—even if the upfront quote is slightly higher.

Amica Reviews for Young Drivers and Homeowners

Amica reviews for young drivers are particularly strong, especially when paired with the StreetSmart program and good student discounts. Parents appreciate the extra peace of mind.

For homeowners, Amica home and auto bundle discounts provide some of the best multi-policy savings in the industry—along with smooth claims coordination.

Final Verdict: Is Amica Car Insurance Right for You?

So, is Amica really worth it?

If you’re looking for low-maintenance insurance, world-class service, the potential for annual dividends, and comprehensive coverage options, the answer is yes. While you might pay slightly more than a cut-rate provider upfront, Amica’s total value over time is hard to beat.

Want to see how your current policy compares? Use Noble Quote’s comparison tool to explore your options.