Amica Auto Insurance Review 2026
Explore Amica auto insurance coverage, discounts, StreetSmart, dividend policies, claims services, repair assistance and real customer reviews. Learn what Amica officially offers before requesting a quote.
Amica Auto Insurance Ratings
Customer ratings on this page are generated from reviews submitted through the Newest Cars Insurance review system. Only approved customer reviews are displayed publicly.
About Amica Auto Insurance
Amica offers personal auto insurance with customizable coverage options, discounts, digital account services, claims support and additional programs such as StreetSmart and dividend policies.
Amica describes itself as a mutual insurer and offers both traditional non-dividend policies and dividend policies. Availability of products, discounts and policy features varies by state and policy type.
Amica Auto Insurance Coverage
Amica currently lists a range of standard and optional auto insurance coverages. The availability and requirements of specific coverages can vary by state.
Liability Coverage
Helps pay for damages related to another person’s bodily injuries or property damage when you are at fault for a covered accident.
Collision Coverage
Helps pay for damage to your vehicle resulting from a covered collision with another vehicle or stationary object.
Comprehensive Coverage
Helps pay for qualifying damage to your vehicle that is not caused by a collision, including situations such as theft, fire or contact with an animal.
Uninsured & Underinsured Motorist
Provides protection when an at-fault driver has no insurance or does not have enough insurance to cover qualifying losses.
Personal Injury Protection
PIP can help pay for medical bills and certain related expenses after an accident, regardless of who is at fault, where available.
Medical Payments
Helps pay medical expenses for you and your passengers resulting from injuries sustained in a covered auto accident.
Roadside Assistance
Provides assistance when a vehicle becomes disabled, including services such as towing, flat-tire changes, battery jump starts, fuel delivery and lockout services.
Rental Car Reimbursement
Can help cover rental expenses while your vehicle is being repaired because of a covered loss.
GAP Insurance
Amica lists guaranteed asset protection coverage that can help cover the difference between a vehicle’s actual value and the amount still owed if the vehicle is totaled.
Glass Coverage
Helps with qualifying vehicle glass repair or replacement, subject to policy terms.
Rideshare & Delivery
Additional protection may be available for drivers using their personal vehicles for rideshare or delivery services.
Amica Auto Insurance Discounts
Amica currently lists a broad selection of potential auto insurance discounts. Eligibility, savings and availability vary by state, policy and customer circumstances.
Bundling Discount
Amica says customers can save up to 30% when they bundle eligible policies such as auto, home, umbrella or life insurance.
Multi-Car Discount
Customers insuring two or more vehicles with Amica may qualify for a multi-car discount.
Homeowner Discount
Homeowners may qualify for an auto insurance discount even when their home is not insured with Amica, subject to eligibility.
Loyalty Discount
Amica lists loyalty savings for customers who have been insured with the company for at least two years.
Legacy Discount
Certain drivers under age 30 may qualify when their parents have maintained an Amica auto policy for at least five years.
Good Student Discount
Eligible full-time high school or college students ages 15–25 with qualifying academic performance may receive a discount.
Away-at-School Discount
A discount may be available when a full-time student on the policy attends school away from home without a vehicle.
Accident-Free Discount
Amica lists a discount for drivers who have remained claim-free for the previous three years.
Defensive Driver Discount
Completing an approved driver safety course may qualify an eligible driver for a discount.
Vehicle Safety Discounts
Qualifying anti-theft systems, electronic stability control, passive restraints, forward-collision warning and adaptive headlights may provide additional savings.
Pay-in-Full Discount
Amica lists savings for customers who pay the entire policy balance up front.
AutoPay & Paperless
Eligible customers may receive savings for using AutoPay and qualifying electronic policy documents and billing.
Amica StreetSmart™
StreetSmart by Amica is a voluntary smartphone-based telematics program that provides feedback about driving behavior and can help eligible customers earn auto insurance discounts and rewards.
Safe Driving Discount
Amica states that eligible participants can earn up to 20% off their policy premium through StreetSmart, subject to applicable terms and eligibility.
Participation Discount
Eligible new policyholders can receive an initial participation discount simply by registering for StreetSmart. Amica states that this can be up to 10% depending on eligibility.
Driving Behavior
StreetSmart evaluates factors including hard braking, excessive speeding, road segment type and phone distraction, including phone use and screen tapping.
Driving Score
Amica uses a rolling 91-day driving score to determine the premium discount a participant may receive at renewal.
Rewards
Safe-driving performance can also earn rewards that may be redeemed for electronic gift cards from participating retailers or donated to certain charities.
Automatic Trip Recording
The StreetSmart app can operate in the background and automatically record trips after detecting vehicle movement.
Amica Dividend Policies
Amica offers both traditional non-dividend policies and dividend policies. With a dividend policy, an eligible policyholder may receive a declared portion of the annual premium back if the applicable conditions are met.
Potential Dividend
Amica states that dividend policy payments average between 5% and 20% of the annual premium and can be as high as 20%, subject to applicable conditions.
Same Core Coverage
Amica states that dividend and traditional policies offer the same coverage, while dividend policies can provide an additional potential benefit.
Payment Options
Amica lists several ways an eligible dividend may be received, including electronic payment options, a mailed check or applying the amount toward a future premium.
Not Guaranteed
Dividend payments are not guaranteed. The policyholder must meet the applicable requirements and be insured when a dividend is declared.
Amica Auto Repair Assistance
Amica’s Auto Repair Assistance Program can help customers locate certified repair facilities after a covered incident. Amica says customers always retain the option to choose their own repair shop.
Certified Repair Shops
Amica currently states that its Auto Repair Assistance Program includes more than 2,900 certified repair shops across the country.
Repair Warranty
Claims-related repair work performed through participating repair facilities includes a warranty for as long as the customer owns the vehicle.
Choose Your Own Shop
Customers are not required to use a participating Amica repair facility and can choose their own repair shop.
Auto Glass
Amica’s glass program provides repair and replacement services through vetted repair facilities and includes a lifetime guarantee for qualifying claims-related replacement work.
Amica Roadside Assistance
Amica provides 24/7 roadside assistance for qualifying customers. Services include towing, flat-tire changes, battery jump starts, fuel delivery and vehicle lockout assistance.
Amica Auto Insurance Claims
Amica provides online claim management, mobile tools and phone support for auto insurance claims. Customers can report claims, track claim status and upload or manage claim documents.
Report a Claim Online
Amica customers can log in to their account to report an auto claim and provide information about the incident.
Track a Claim
Customers can use Amica’s online claim center to monitor claim status and manage related information.
Upload Documents
Claim documents can be uploaded and managed through Amica’s digital claims services.
Live Chat
Amica provides claims live chat during specified hours for customers who need assistance with claims.
24/7 Claims Phone
Amica lists 800-242-6422 for auto, home, marine and umbrella claims, with representatives available 24/7 for claims.
Mobile App
Customers can access claim and roadside assistance services through the Amica mobile app.
Amica Customer Reviews
The reviews below are submitted by visitors and displayed after approval. They are not presented as official statements from Amica.
Write an Amica Auto Insurance Review
Have you had experience with Amica auto insurance? Share your experience with coverage, customer service, claims, discounts, pricing, StreetSmart or other aspects of your policy.
Amica Auto Insurance FAQs
What auto insurance coverage does Amica offer?
Amica lists liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, medical payments, roadside assistance, rental car reimbursement, GAP insurance, glass coverage and rideshare or delivery protection, depending on state and policy availability.
Does Amica offer car insurance discounts?
Yes. Amica lists discounts for bundling, multiple cars, homeowners, loyalty, good students, accident-free driving, defensive driver training, vehicle safety features, AutoPay, paperless billing and other qualifying circumstances.
What is StreetSmart by Amica?
StreetSmart is Amica’s voluntary smartphone telematics program. It evaluates driving behaviors such as hard braking, speeding, road segment type and phone distraction and can provide eligible customers with discounts and rewards.
How much can StreetSmart save?
Amica currently states that eligible customers can earn up to 20% off their policy premium through StreetSmart, subject to applicable eligibility, state and program terms.
Does StreetSmart increase my insurance rate?
Amica states that StreetSmart driving data affects the premium discount and does not negatively impact the customer’s rate based on the driving score itself. Other policy rating factors can still affect premiums.
Does Amica offer dividend auto insurance policies?
Yes. Amica offers dividend and traditional non-dividend policies. With an eligible dividend policy, a declared portion of the annual premium may be returned to the policyholder if applicable conditions are satisfied.
How much can an Amica dividend policy return?
Amica states that dividend payments average between 5% and 20% of the annual premium and may be as high as 20%. Dividend payments are not guaranteed and availability varies by state and policy.
Does Amica offer roadside assistance?
Yes. Amica provides 24/7 roadside assistance that can include towing, flat-tire changes, battery jump starts, fuel delivery and lockout services, subject to the applicable coverage.
Can I choose my own Amica repair shop?
Yes. Amica states that customers can always choose their own repair shop. Its Auto Repair Assistance Program can also help customers find participating certified repair facilities.
How do I file an Amica auto insurance claim?
Customers can report and manage claims through Amica’s online claim center, mobile services or by phone. Amica lists 800-242-6422 for auto claims.
Amica Auto Insurance Resources
For the most current information about Amica coverage, discounts, StreetSmart, dividend policies, repairs and claims, review the company’s official resources.
Disclosure
This page is an independent informational review published by Newest Cars Insurance. It is not affiliated with, sponsored by, endorsed by or operated by Amica. Company information is summarized from publicly available official Amica sources. Coverage, discounts, eligibility, availability, pricing, claims handling and policy terms can vary by state and individual circumstances.
Customer reviews displayed on this page are submitted by visitors and are subject to moderation. They represent the individual experiences of the reviewers and do not necessarily represent the views of Newest Cars Insurance or Amica.