Amica Mutual review

Amica is a mutual insurer that sells direct, and its main draw is the dividend policy: in states where it is offered, you could get a percentage of your premium back at each renewal, though Amica says dividends are not guaranteed and you must still be a policyholder when they are declared. The discount list is broad and generous on paper: up to 30% for bundling auto with home, umbrella and life, up to 25% for two or more vehicles and up to 20% through the StreetSmart safe-driving app. Young drivers can earn a legacy discount if they are under 30 and their parents have insured with Amica for five years, plus good student and away-at-school discounts. Coverage add-ons include GAP insurance for financed cars, glass coverage, rental reimbursement and a rideshare endorsement. Amica does not publish prices, so request a quote and compare it with Progressive's published averages. We compared documented features and published prices.

Who it is for

Drivers who value service and want a share of premiums back

Price

See vendor pricing (USD check pending).

US price check pending. See the vendor pricing page.

Key features

• Dividend policies that can return a percentage of premiums at each renewal, where available
• Up to 30% off when you bundle auto with home, umbrella and life
• Up to 25% off when you insure two or more vehicles
• StreetSmart by Amica app: up to 20% off for safe driving habits
• Optional GAP insurance, glass coverage, rental reimbursement and rideshare coverage

Strengths and weaknesses

• Strength: Bundle discount of up to 30%, among the highest documented here
• Strength: Legacy discount for drivers under 30 whose parents have had an Amica policy for five years
• Strength: Discount for being accident-free for the past three years
• Weakness: Dividends are not guaranteed and not offered in every state
• Weakness: No published starting or average price
• Weakness: Must remain a policyholder through the term to receive a declared dividend

Key facts

• Ownership: Mutual, owned by policyholders
• Bundle discount: Up to 30%
• Multi-car discount: Up to 25%
• Telematics: StreetSmart, up to 20%
• Dividends: Available on dividend policies in some states

Where it ranks

Amica Mutual is No. 5 in our Best Car Insurance Companies verdict.