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Amica Mutual Auto Insurance

Reviewed
May 2013
by ConsumerSearch

Best auto insurance company

Pros
  • Smooth claims process
  • Helpful customer service
  • Wide variety of plans, discounts
  • Solid financial ratings
Cons
  • No local agents
  • Some customers complain of sudden rate hikes
Where to Buy
 

Bottom line

Though its name isn't as recognizable as its larger competitors, Amica Mutual is tops in several customer-satisfaction surveys, and coverage is available everywhere except Hawaii. Policyholders say they're largely satisfied with the claims process and with their premiums, too. While local agents aren't an option, customers are happy with customer service. Some customers say their rates went up without warning, however, and others say the company is very picky about who it will insure.

Claims

Great feedback on claims resolution. Most Amica Mutual customers report positive experiences with claims. In a major survey, they report excellent settlement experiences and very good appraisal experiences and interaction with representatives. The repair process and rental-car experience get average marks.

Amica Mutual maintains a network of prescreened repair shops where it will guarantee a high standard of work, but customers are still free to choose their own shop after an accident. Most Amica policies include $20 a day or $600 toward rental cars, but this varies and customers can purchase additional coverage.

Policies

Wide variety of discounts. In a large survey, most Amica Mutual customers say they're satisfied with premiums. However, some individual reviewers complain of high rates that can creep higher with little explanation. Instead of using local agents, the company does business directly with customers over the phone or online.

Most customers say service is good and say they're satisfied with their purchase experience. Amica Mutual receives high marks for policy offerings, and it offers a variety of discounts, including cheaper rates for loyal customers, good students, multiple-policy holders and owners of cars with safety features such as alarms or airbags. Customers can report claims by phone or online 24 hours a day.

Our Sources

1. ConsumerReports.org

ConsumerReports.org editors rate 25 national and regional auto insurers. The ratings are reliable and unbiased, and are based on customer surveys that focus on satisfaction with speed of service, the claims process, estimates and premiums. Unlike other products, there are no in-depth reviews of the insurers with editorial comments.

Review: Car Insurance Ratings, Editors of ConsumerReports.org, Not dated

2. J.D. Power & Associates

Amica Mutual receives 4 circles out of 5 for overall customer satisfaction. It receives 5 circles for first notice of loss and settlement; 4 circles for service interaction and the appraisal process; and 3 circles for the repair process and rental-car experience.

Review: 2012 U.S. Auto Claims Satisfaction Study, Editors of J.D. Power and Associates, Oct. 29, 2012

3. J.D. Power & Associates

Amica Mutual receives 5 circles, a top rating, for overall customer satisfaction in the Northeast, where it is J.D. Power and Associates' top pick. Ratings include categories for policy offerings, pricing, billing and payment and contacting the insurer. Amica Mutual receives perfect scores in all of these categories.

Review: 2012 U.S. Auto Insurance Study, Editors of J.D. Power and Associates, June 25, 2012

4. J.D. Power & Associates

Amica Mutual receives 4 circles out of 5, an above-average rating, for overall purchase experience in J.D. Power and Associates' auto insurance shopping study. The company receives 5 circles for policy offerings and call-center representatives, but 3 circles for price.

Review: 2013 U.S. Insurance Shopping Study, Editors of J.D. Power and Associates, April 29, 2013

5. Viewpoints.com

Amica Mutual earns 64 out of 100 points in more than 80 reviews. Ratings include home and life insurance, which appear to skew the results lower. Customers report competent, thorough, prompt service from representatives, but some say their rates shot up without warning, and a few report claims issues.

Review: Amica Insurance Reviews, Contributors to Viewpoints.com, As of May 2013

6. Epinions.com

Amica Mutual receives 3 out of 5 stars in nearly 60 reviews. Many reviewers praise customer service. However, others say rates are high and that they slowly creep up without explanation. Others report problems with the claims process.

Review: Amica - Auto, Contributors to Epinions.com, As of May 2013

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