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Amica Mutual Review

By: Kelly Burgess on May 16, 2018

Bottom Line

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.


  • Smooth claims process
  • Helpful customer service
  • Wide variety of plans
  • Solid financial ratings


  • Online account management not the best
  • Some report significant rate increases
Our Analysis

Breaking it down


Great feedback on claims resolution. Most Amica Mutual customers report positive experiences with claims. In one major survey, they report excellent settlement experiences. The rental-car experience earns the lowest marks. Amica Mutual offers a network of pre-screened 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 Mutual policies include $20 a day or $600 toward rental cars, but this varies and customers can purchase additional coverage.


Wide variety of discounts. In one large survey, most Amica Mutual customers say they're satisfied with premiums. However, some individual reviewers complain of high premiums that can creep higher over time with little explanation. This is a case where it pays to get quotes at least once a year from other companies and from Amica. Instead of using local agents, the company does business directly with customers over the phone or online, making them the top pick in two large customer surveys conducted by Consumer Reports and JD Power and Associates. 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. However, some fairly simple policy changes, such as adding a vehicle, can't be dealt with online; you have to contact the company via phone.

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