Amica Auto Insurance
Explore Amica car insurance coverage, discounts, roadside assistance, claims services, accident forgiveness, StreetSmart and policy options designed to help drivers customize their auto insurance protection.
Amica Auto Insurance Overview
A closer look at Amica’s auto insurance coverage, savings programs, digital services and additional protection options.
Amica offers auto insurance with a range of coverage choices and savings opportunities. Depending on eligibility and state availability, customers can choose traditional or dividend policy options, combine multiple policies, use safe-driving programs and add optional protection such as roadside assistance, rental reimbursement and GAP insurance.
Why Consider Amica Auto Insurance?
Amica’s auto insurance offering combines standard vehicle protection with optional coverages and a variety of potential discounts. Customers can select coverage based on their vehicle, driving needs, state requirements and policy preferences.
- Multiple auto insurance coverage options
- Potential savings through bundling and other discounts
- StreetSmart safe-driving program
- Roadside assistance options
- Online claim reporting and claim tracking
- Optional dividend policy availability in qualifying states
Coverage That Can Be Customized
Amica allows customers to build an auto insurance policy around available coverage options and eligible features. Availability, limits, deductibles and discounts can vary by state and policy.
Always review the actual policy documents and speak with Amica before relying on a specific coverage, discount or feature.
Amica Auto Insurance Coverage Options
Amica offers core vehicle protection as well as additional coverage options. Coverage requirements and availability can vary by state.
Liability Coverage
Helps provide protection for covered bodily injury and property damage claims for which you may be legally responsible, subject to policy limits and conditions.
Collision Coverage
Can help pay for damage to your vehicle resulting from a collision with another vehicle or a stationary object, subject to the policy.
Comprehensive Coverage
Can help cover qualifying damage that is not caused by a collision, including certain losses involving animals, vandalism or fire.
Rental Car Reimbursement
Can help with rental car expenses or other transportation costs while your vehicle is being repaired after a covered loss.
Roadside Assistance
Optional assistance can include towing, flat-tire changes, battery jump-starts, fuel delivery and vehicle lockout services.
GAP Insurance
GAP coverage can help pay the difference between a vehicle’s actual cash value and the remaining loan or lease balance after a covered total loss.
Glass Coverage
Auto glass coverage can help with repair or replacement of qualifying damaged vehicle glass.
Rideshare & Delivery
Coverage options may be available for drivers using personal vehicles for services such as rideshare or delivery.
Umbrella Protection
An umbrella policy can provide additional liability protection above certain underlying insurance limits.
Additional Amica Auto Insurance Features
Auto Accident Forgiveness
Auto Accident Forgiveness is included with Signature auto policies and may forgive one qualifying accident, subject to eligibility, state availability and policy conditions.
Auto Repair Assistance
Amica’s repair assistance program includes a network of certified repair shops and can provide recommendations when customers need help finding a repair facility.
Glass Repair Assistance
Amica offers a glass program with repair and replacement services through participating repair providers, while customers retain the ability to choose their own repair shop.
Amica Auto Insurance Discounts
Amica offers multiple discount categories based on how you bundle, drive, pay and maintain your vehicle. Availability varies by state and eligibility.
| Discount / Program | Potential Savings or Benefit | How It Works |
|---|---|---|
| Bundle / Multiline | Up to 30% | Potential savings when combining qualifying auto and other insurance policies. |
| StreetSmart by Amica | Up to 20% | Eligible drivers can use the StreetSmart mobile app and demonstrate safe driving habits. |
| Multi-Car | Up to 25% | Potential savings when insuring two or more qualifying vehicles. |
| Claim-Free | Discount available | Customers who have remained claim-free for the required period may qualify. |
| Good Student | Discount available | Available for qualifying full-time high school or college students who meet Amica’s requirements. |
| Defensive Driver | Discount available | Qualifying drivers who complete an approved safety course may receive a discount. |
| Anti-Theft | Discount available | Eligible anti-theft devices and vehicle security features may reduce the premium. |
| AutoPay | Discount available | Automatic electronic payments may qualify for savings. |
| Paid in Full | Discount available | Eligible customers may receive savings when paying the policy premium in full. |
| Paperless | Discount available | Customers who receive qualifying policy documents and bills electronically may qualify. |
| Loyalty | Discount available | Savings may be available based on the length of an eligible insurance relationship. |
Discounts, eligibility requirements, savings amounts and availability vary by state, policy and customer circumstances. Terms and conditions apply.
StreetSmart by Amica
StreetSmart by Amica is a mobile-based safe-driving program that can provide drivers with insights into their driving habits. Eligible participants may earn up to 20% off their premiums by demonstrating safe driving behavior.
Program availability and discount eligibility vary by state and policy. Drivers should check Amica’s current terms before enrolling.
Learn About DiscountsAmica Dividend Policies
Amica offers both traditional, non-dividend policies and dividend policies in qualifying situations. With a dividend policy, eligible policyholders may receive a portion of their premium back if the applicable conditions are met.
Amica states that dividend payments average between 5% and 20% of the annual premium, but dividends are not guaranteed and are not available in every state or on every policy type.
Up to 20% of Annual Premium
Amica says qualifying dividend policies may return up to 20% of annual premium. Actual payments depend on applicable conditions, state availability and whether dividends are declared.
A dividend policy may have a higher upfront cost and is not guaranteed to produce a dividend payment.
Amica Roadside Assistance
Roadside assistance can help with common vehicle problems when a covered vehicle becomes disabled.
Towing
Assistance can include towing for qualifying roadside situations.
Flat Tire
Roadside assistance can provide help changing a flat tire.
Battery Jump-Start
Drivers can request assistance for a dead vehicle battery.
Fuel Delivery
Fuel delivery may be available when a vehicle runs out of fuel.
Lockout Service
Assistance can be requested when keys are locked inside a vehicle.
24/7 Access
Amica provides access to roadside assistance services around the clock.
Amica Auto Insurance Claims
Amica provides online tools for reporting and tracking claims, uploading documents and accessing claim-related services.
Report the Claim
Amica customers can report an auto claim online after logging into their account or contact Amica by phone.
Provide Information
Provide the relevant accident, vehicle and loss information requested during the claims process.
Track the Claim
Customers can use Amica’s online tools to track an eligible claim and manage claim documents.
Repair Assistance
Amica can help customers find participating repair facilities when repair assistance is needed.
Amica Auto Repair Assistance
Amica says customers can choose their own repair shop. For customers who want assistance finding a repair facility, Amica’s Auto Repair Assistance Program includes more than 1,700 certified repair shops across the country.
Participating shops provide a warranty on claims-related repair work for as long as the customer owns the vehicle, subject to program terms and conditions.
Explore Repair AssistanceHow to Get an Amica Auto Insurance Quote
When requesting a quote, having accurate driver and vehicle information can make the process easier.
Driver Information
Have information about the drivers who will be listed on the policy, including applicable licensing and driving history details.
Vehicle Information
Be prepared with your vehicle’s year, make, model and other requested vehicle information.
Choose Coverage
Review available coverage options, limits and deductibles based on your needs and state requirements.
Review Discounts
Ask about discounts and programs for which you may qualify, including bundling, safe driving and payment options.
Amica Auto Insurance Frequently Asked Questions
What is Amica Auto Insurance?
Does Amica offer auto insurance discounts?
How much can Amica’s bundle discount save?
What is StreetSmart by Amica?
Does Amica offer roadside assistance?
Does Amica offer GAP insurance?
Does Amica offer accident forgiveness?
Does Amica offer dividend auto insurance policies?
How do I file an Amica auto insurance claim?
Is Amica Auto Insurance available in every state?
Explore Amica Auto Insurance
Visit Amica’s official website to explore current auto insurance coverage, discounts, policy options and quote availability.
Visit Amica Official Website Amica Claims Center