Bankrate's take
Shoppers in search of reliable auto, home and life insurance who prioritize good customer service and don’t mind paying extra for it may find their insurer of choice in Amica.
Amica stands out from the competition for its customer service and claims handling procedures, but other insurers may offer separate advantages worth considering.
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Amica’s auto insurance earned a 4.4 out of 5.0 Bankrate Score and tied with USAA for Best Auto Insurance Company Overall in the 2025 Bankrate Awards. The primary reason: Amica stands out among other highly-rated insurers for having consistently positive customer service reviews, with overwhelmingly glowing feedback from actual customers.
Amica’s actual auto insurance offerings are also a major draw, with robust coverage options including the Platinum Choice Auto package, which includes full glass coverage, identity fraud monitoring and generous rental car coverage. However, if you’re not interested in buying the full package, you’ve still got the option to add any individual endorsement to your base policy. As a mutual insurance company, Amica also gives policyholders the unique choice between a traditional policy and a dividend policy, which pays back 5 to 20 percent of your annual home insurance premium if certain conditions are met.
To discuss a quote with Amica, those interested can contact Amica over the phone or by visiting www.amica.com.
BEST AUTO INSURANCE COMPANY OVERALL AND FOR CUSTOMER EXPERIENCE
While Amica isn’t the cheapest auto insurer, its rock-solid reputation for stellar customer service earned it two awards.
Pros and cons of Amica car insurance
When it comes to auto insurance, Amica is a company with high highs and low lows. Compare the pros and cons below before requesting car insurance quotes from Amica.
- Expensive coverage compared with top-rated competitors
- Customer complaint rates seem to be climbing
With a Bankrate Score of 4.6 out of 5.0 for home insurance, Amica is one of the best home insurance companies thanks to highly customizable policies and a reputation for best-in-class customer service.
Amica offers both HO-3 and HO-5 home insurance products. Its Standard Choice package is an HO-3 policy type and may be ideal for those who only want basic coverage options with the option to purchase additional coverage, such as water backup/sump overflow or special computer coverage. Homeowners interested in an extensive home insurance policy can choose Amica’s Platinum Choice package, an HO-5 policy type that includes the additional options in its Standard Choice package as default, as well as credit card coverage, business property coverage, extended coverage for valuable items, loss assessment plan and increased limits for liability and medical payments coverage.
As with auto insurance, Amica gives home insurance customers the option to choose between a traditional policy and a dividend policy that can pay back a certain percentage of the annual premium. However, these policies may cost more, potentially outweighing the savings compared to a traditional policy.
Pros and cons of Amica homeowners insurance
If you’re requesting home insurance quotes from Amica, keep the following perks and drawbacks in mind.
Answering a few quick questions to check your availability with Amica
Amica isn’t known primarily for its life insurance products, but it does offer two types of life insurance: term life, available for terms from 10 to 30 years, and whole life insurance with coverage up to $20 million.
Amica’s life insurance policies offer a few perks and benefits that aren’t standard in the industry. For all beneficiaries of its life insurance policyholders as well as all company employees, Amica partners with the Empathy app to offer free counseling from grief specialists along with peer-to-peer support networks. For whole life policyholders, Amica highlights the ability to make a guaranteed charitable donation through your life insurance.
Pros and cons of Amica life insurance
While Amica’s life insurance offerings present benefits for some shoppers, the drawbacks may outweigh the advantages for others. Keep these in mind if you’re considering requesting life insurance quotes from Amica.
- No medical exam needed for some applicants
- Specialty products such as long-term care, disability income and second-to-die whole life available
- Can combine with auto for bundling discount on auto policy
Compare life insurance providers quickly and easily
See which provider is right for you.
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“We've had auto with them for 30+ years. We have had many claims over the decades, including a personal injury and auto theft. They have always been the BEST -- heck I just filed a claim the other day and 15 minutes later it was Amica calling to get some more info. They pay quickly. In my mind they are the best corporation I have ever dealt with. Hands down the best. And no, I don't work for them or have any connection with them other than being a VERY happy policyholder into our 4th decade.”
“I had a home burn down in the Sept 2020 Oregon wildfires. Amica was amazing. Direct deposited $40k cash no questions asked when I opened my claim. I built a spreadsheet from memory of all the belongings lost, and they assigned a person to virtually recreate the home and interior for the dwelling payout. There were even funds available for temporary housing assistance. I was absolutely made whole; and when the State of Oregon and FEMA came looking for repayment of cleanup charges a few years later I directed them to Amica and never heard from them again. Would recommend.”
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
R.E. Hawley is a senior writer for Bankrate. Prior to joining Bankrate’s insurance editorial team in 2024, they worked as senior writer for a popular car ownership and insurance comparison app, leading a team of over a dozen writers in creating customer-focused financial advice content on topics ranging from insurance to vehicle reliability and auto loan refinance. R.E. holds a personal lines insurance license.