Amica Mutual car insurance review — is this century-old insurer worth the higher premiums? Founded in 1907 in Providence, Rhode Island, Amica Mutual is the oldest mutual auto insurer in the United States. The company operates in 48 states plus Washington, D.C. It holds just 0.3% market share. However, its customer satisfaction scores consistently rank among the highest in the industry. Amica returned dividends to over 90% of eligible policyholders in recent years. As a result, many drivers find the effective cost surprisingly competitive. This Amica Mutual car insurance review covers everything you need to know before getting a quote.
Amica Mutual Coverage Options
Our Amica Mutual car insurance review found a full lineup of standard and optional coverages. These include bodily injury liability, property damage liability, collision, and comprehensive. You can also add uninsured and underinsured motorist protection. Medical payments coverage and personal injury protection are available where required. Gap insurance covers the difference between your car’s value and your loan balance. Rental car reimbursement and roadside assistance round out the optional add-ons. Roadside assistance covers up to $100 per disablement.
The standout option in any Amica Mutual car insurance review is Platinum Choice Auto. This premium package includes new car replacement for vehicles totaled within one year and under 15,000 miles. It also provides glass coverage with zero deductible. Deluxe rental coverage offers up to $5,000 with no daily limit. Identity fraud monitoring with 24-hour alerts is included as well. Platinum Choice availability varies by state.
In 2025, Amica launched its YourPlan tiered product. This system offers auto and home packages designed for different life stages. It has rolled out in nine states so far. Delaware, Maryland, Pennsylvania, and Massachusetts are joining in 2026. This gives customers more flexibility when choosing coverage levels.
Amica Mutual Discounts Available
Amica offers 18 auto insurance discounts. A multi-policy bundle can save up to 30%. Insuring multiple vehicles saves up to 25%. The military discount reaches up to 22%. Good students ages 15 to 25 with a B average or higher save up to 20%. In most cases, these discounts can be combined for greater savings.
The StreetSmart telematics program deserves attention in this Amica Mutual car insurance review. You earn a 10% discount just for enrolling. Safe driving habits can push savings to 20%. The free app tracks braking, acceleration, and phone use. It even rewards safe drivers with e-gift cards in $5 increments. StreetSmart is currently available in 28 states plus D.C.
Additional discounts include anti-theft device savings up to 18%. A clean driving record saves up to 15%. Completing a defensive driving course earns up to 12%. Pay-in-full and autopay discounts are also available. Typically, stacking several discounts significantly reduces your final premium.
Amica Mutual Customer Ratings and Satisfaction
Customer satisfaction is where Amica truly stands out. J.D. Power ranked Amica number one in New England for 2025 auto insurance. The company scored 735 points. That is 110 points above the regional average. For home insurance, Amica held the top J.D. Power spot for 17 consecutive years. These results confirm why every Amica Mutual car insurance review highlights service quality.
AM Best gives Amica an A+ Superior financial strength rating. In March 2026, AM Best revised the outlook from Negative to Stable. This reflects improved profitability and stronger risk-adjusted capitalization. The Better Business Bureau also rates Amica at A+. The company has been BBB-accredited since 1957.
The NAIC complaint index tells an important story. Amica’s 2025 auto complaint index dropped to 0.35. The industry baseline is 1.00. That means Amica receives roughly one-third the complaints of an average insurer. However, BBB customer reviews average just 1.28 out of 5 stars across 79 reviews. As a result, individual experiences may vary by state and situation.
Amica Mutual car insurance review: Pros and Cons
Pros:
- Dividend policies return 5% to 20% of your premium annually. Over 90% of eligible customers received a dividend in recent years.
- J.D. Power ranked Amica number one in New England with a score of 735. AM Best rates financial strength at A+ Superior.
- Platinum Choice Auto includes new car replacement, zero-deductible glass, and up to $5,000 in rental coverage.
Cons:
- Average full coverage costs $2,274 to $3,167 annually. That is roughly 22% more than Geico’s average of $1,867.
- Not available in Alaska or Hawaii. Only 48 states plus D.C. are served.
- Small 0.3% market share means fewer local agents and repair shop partnerships than larger carriers.
Who Should Choose Amica Mutual?
This Amica Mutual car insurance review identifies several ideal customer profiles. Drivers who value top-tier service over rock-bottom pricing will appreciate Amica. The dividend policy effectively lowers your net cost over time. If you plan to stay with one insurer for years, the loyalty benefits add up. Homeowners who bundle policies save up to 30% immediately.
Amica is also a strong choice for military families. The 22% military discount is among the most generous in the industry. New car owners benefit from Platinum Choice coverage. For example, new car replacement alone can save thousands if your vehicle is totaled in the first year.
However, budget-conscious drivers may find better rates elsewhere. Minimum coverage averages $1,205 annually with Amica. The national average is closer to $722. If price is your only concern, this Amica Mutual car insurance review recommends comparing quotes from other carriers first. Overall, Amica rewards loyalty and prioritizes service over volume.
Frequently Asked Questions
Does Amica Mutual return dividends on car insurance?
Yes. Amica’s dividend policies return 5% to 20% of your premium each year. Over 90% of eligible policyholders received a dividend recently. However, dividends are not guaranteed and vary by state.
How much does Amica Mutual car insurance cost?
Full coverage averages $2,274 to $3,167 per year. That is higher than the national average of roughly $2,356. This Amica Mutual car insurance review notes that dividends can offset the difference significantly.
What is Amica’s Platinum Choice Auto coverage?
Platinum Choice is Amica’s premium package. It includes new car replacement, zero-deductible glass, up to $5,000 in rental coverage, and identity fraud monitoring. This Amica Mutual car insurance review considers it one of Amica’s strongest offerings.
Is Amica Mutual available in all 50 states?
No. Amica operates in 48 states plus Washington, D.C. Alaska and Hawaii are not currently served. This Amica Mutual car insurance review confirms coverage is available across most of the continental United States.
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Official Sources & Resources
For verified information on auto insurance companies and consumer protection:
- NAIC (National Association of Insurance Commissioners): naic.org
- Insurance Information Institute: iii.org
- National Highway Traffic Safety Administration (NHTSA): nhtsa.gov
- AM Best — Insurer Financial Strength: ambest.com
Content last reviewed May 2026. If you notice any outdated information, please contact us.