Amica Mutual Insurance Company

I had an Amica homeowner’s policy for a year. Toward the end of the year I was looking for a new auto insurer so I went with Amica. Shortly after signing up a new auto policy I was told that Amica would have to cancel my homeowner’s policy because I told the agent that I was going to be travelling a lot over the course of the year for business, and they said that if I wasn’t in my home for more than 11 months of the year they couldn’t insure me. They immediately stopped returning my calls and began to treat me like I’d somehow attempted to deceive them. They refused to offer me any other policies, and overall kept misquoting me back to myself when I called in to ask why I was being refused a policy. Overall I felt really abused by Amica and it was a really terrible experience. I’ll never have another policy with them again, and strongly recommend against them for customer service.

Been with them 40 yrs home auto boat. No problems with claims. Great company to have when damages do occur

I admit, I’ve never had to file an accident claim with Amica but I did have someone break into my car through the window and it was seriously so easy to handle the claim for it to be replaced.
I have been a customer for eight years and have never had any problems with my policy or billing. In fact, my premium has consistently gone DOWN over that time period.
When my husband and I bought our house, we decided it was time to finally join our auto insurance policies so we called up Geico, who he had been with for much longer than I had been with Amica at the time and the rates to add me to the policy were honestly nauseating and sounded like a joke.
We called Amica and just a short phone call later he was added to my policy for what felt like pocket change extra on my annual premium and his insurance coverage went up compared to his Geico policy that he had been paying an arm and a leg for. But it gets better; about a half hour later we got a phone call and it was the representative telling us she had looked over our account and found a few things that qualified us for an even lower rate than she had quoted us.

What a mismash of reviews.
I was involved in an incident where I ticked the other guys car and he was just approaching his vehicle. He didn’t even know that I tapped the back of his car backing in, he asked me if I had and me, like an idiot, said yes I did.
Well he went berserk, calling me every name in the book. I was shaking and walked into my therapists office extremely upset.
Of course he tried to blame me for prior damage he had to his car. Amica was having none of that. In fact, they kept the appraisal under 1000.00 so it did not affect my policy at all. The woman I dealt with, Sherry B., out of the Providence, RI office was very pleasant, understanding, and easy to reach. The whole matter was taken care of quickly and they got a letter out to me updating me of the closed case.
I have no complaints!

I am so angry as I live in Ma and a driver from Burlington Ma was impaired by drugs and hit our property on the wrong side of the road. She was arrested and I sent Amica pictures and an estimate as they asked for. Amiica then told us to get a copy of the police report which we can not as she was arrested and there is information I am not allowed to see. Now Amica says they are waiting for a copy of the report from the police which is not true as I asked the police. Amica says they are investigating and there is no time limit for their investigation. Now it is well over a month and Amica is still investigating and I am missing my mailbox, 2 shrubs and other damage to my yard. WHY? It is their job to make me whole for their persons accident! Now I understand how they fund their commercials, just never pay out accidents!

I’ve been an AMICA customer for 40 years and I would never go any place else for auto and home insurance. Their agents are unfailingly polite and understanding. I was just in a fender bender and they could not have been nicer. An inspector was out in two days. In a week I had a check. Also, I’ve had three different companies over the years offer to beat AMICA’s rates. When they took my policy and tried to replicate the coverage, all three gave up and said, «sorry, we can’t beat these rates.» I’m a really loyal fan of this company!

had 2 claims In N. California … one about 3 years (2013) ago for tar that was spilled on HWY 101 N near Petaluma and got all over my car as I drove thru it. the adjuster came out & awarded me over $ 2000 to repair the damage. the 2^nd last summer (2015) when I came out of my house to find that someone had jumped on my hood and caved it in… I took pics and sent it to Amica & they immediately sent me a check for over $ 900 that covered the estimate given by 101 Auto Body on San Pablo Ave. very prompt & courteous service. surprised by all the neg reviews… hmmmm?

I too believe there are not enough people who post positive reviews when they have positive experiences. I’ve been with Amica for 2 years — they cover our house and our motorcycles. I had a motorcycle accident and they took care of everything. I’ve had excellent customer service and have no complaints. They have very competitive rates! Check them out!

Rude Agents. Deceptive billing practices. And their insurance is rather expensive.
I’m looking for another company. I’m very unhappy with Amica.

Carried our auto insurance with Amica for 10+ years. Their customer service levels recently declined to an intolerable level. Call center agents seem to be trained on «policy» but not on customer satisfaction tactics. I just returned to USAA today and not only are the agents knowledgeable on policy, they are very customer friendly and embrace you as a customer… AND I lowered my coverage rate.

I’m leaving a review because I feel people are way more likely to leave negative reviews than positive. My experience with Amica has been incredibly positive.
Many people like to brag about the low rates they pay with their car insurer, but have they ever actually NEEDED something from their company? Amica may not always have the lowest rates (even though they actually do a lot of the time), but when you need something from them, they PAY up! This is what insurance is for. When the $@$% hits the fan, you’ll be happy you are insured by Amica!

Amica is great! I’m so glad I decided to switch to them when I got my newer car last year. My parents recommended me because they saved a lot of money. I was going to stick with my old insurance that I had with my old car, they told me it’s the cheapest I would get. Decided to call Amica and they told me the price (with full coverage) and it was about $ 10 cheaper or so a month than if I paid through my old insurance. They were very nice on the phone and explained everything clearly. Luckily I haven’t had any accidents or issues so I haven’t dealt with calling my insurance for anything. Hope it stays that way!
Since my parents recommended me, they even got a discount on their car insurance. Now I just got a notice saying I will be saving over $ 400 a year and $ 7 a month because my household had a good driving record. Yay! Thank you Amica!

I became an Amica customer 7+ years ago after receiving excellent service after their client hit my car. Fast forward to now, I am spending nearly 10K with them a year on a variety of insurance services. They had always treated me right through some accidents and house claims I had too, never had a problem.
Now why am I putting them at 3 star? That’s because the service I received from them in CT was excellent. Now that I am in CA, getting any services done is impossible. I am on my second claim with the people in the CA office, both times they are giving me a hard time and it is getting on my nerves.

Do NOT use Amica for your insurance provider. If you want to be continually told your policy doesn’t cover that, then Amica is the provider for you.
I called Roadside Assistance yesterday for a flat tire tow. I waited for 8 hours, called numerous times, and no one showed up. Today, I am on day #2 of not being able to go to work. Once again, Amica says they will send someone out to tow it.
Since I cannot afford to take another day off of work, I called the main number to ask about rental car coverage since I pay for this every month. Amica’s answer…“NO, your policy doesn’t cover that.” Of course my policy doesn’t cover your lack of service, your incompetence. Now, I get to sit home and pray that my car is actually towed and fixed before the entire work day is gone.
This is NOT the first issue I’ve had with their «excellent» customer service. This is my last straw… I will NOT continue to pay money to a company that doesn’t make good on their end. I pay for roadside assistance; thankfully I found my flat tire at home or I’d still be stranded on the side of the road. I pay for rental car coverage; but only when it’s convenient for them.
DON“T waste your money on this company.

I have had AMICA auto insurance since 1993. I picked up AMICA homeowners some years later, and have never had a claim on either policy short of replacing a windshield on comprehensive, a piece of insurance they no longer offer anyhow.
They used to have nice service, reviewing my coverage with me annually and sometimes lowering my rates for safe household, etc. I gather I qualify!
My concern is recently I was buying a house in Delaware, moving from PA. Their homeowners quote was much higher than others, and then they called me 15+ times between the quote and the closing. When I returned the calls on a couple of occasions, no one could help me or disclose why they were calling my home while I was at work almost every day. When I settled last week, I called to update my car insurance to Delaware. They asked if I had updated my driver’s license yet. I said no, I wanted to go to DMV and get my tags and license together (its all in one office here in Delaware), and needed Delaware insurance to do that. They said it would take a few minutes to draw up a quote but that they would call me shortly with a quote and to provide the binder. That was several business days ago, and no word yet.
This isn’t the first time they’ve been bad about returning calls. They call when you are not interested, but when you are transacting business with them they are woeful about returning a call. They’ve also play bait and switch on a car insurance quote provided last December, not honoring a quote provided near Christmas when I bought the car January 3, «because it was a different year». They could have told me that up front with the quote, and getting that quote took me a number of calls to them, again because they wouldn’t return calls.
Not what I expect in several interactions with «first class customer service AMICA.»

Horrible, they don’t offer 24 hr claim assistance?? I was hit and the driver provided them as their insurance. Horrible service.

Customer service at it’s worst. I’m trying to eliminate one car from my policy. Shouldn’t be a problem, right? Wrong! First the wrong vehicle was eliminated. Called and thought it was corrected. Get a notice that TWO vehicles are eliminated… ugh. Had to make another call. You had only one job…

Couldn’t ask for worse service out of a company. I just quit them after 30+ years. Over the last 8 years they have ignored 2 letters, 2 visits and a few phone calls requesting some changes in my policy. They only called me when they got the termination notice that I was leaving them. They are now spending tons of money on an advertising campaign looking for new customers but have forgotten their roots which had been superior customer service so that they could keep the customers that they had!

Just an update to my fiasco with Amica… I believe they spent more time and money denying a claim than the actual amount of the claim!
I can honestly say I have never dealt with such incompetence, and pure ignorance with their so called «investigator»
If you have a claim, and a guy shows up that looks like the 40 year old virgin (Steve carrel) be prepared to be smiled at BUT don’t turn your back on these people.
Always annoyed at their commercials touting how great they treat their customers! Treat you great whilst taking your money, not so great trying to get your money if anything happens.
Anyways, going to stop by every so often (probably until I die) to keep people apprised of these sheisters!

I was an Amica auto insurance customer for 14 years. During that time my wife and I had two claims which were handled flawlessly. Maybe it helped that we clearly were not at fault. I was in a bad accident on the Pike caused by a speeding Canadian in an unregistered vehicle, and my wife’s car was hit in a supermarket parking lot. Both had complications which Amica navigated well.
But — and this is important — Amica charges a HUGE premium for the vaunted customer service (pun intended). I feel foolish because for 14 years I paid a lot more than two thirtysomethings (at the time) with a step 9 rating should have. On a whim last year I asked my homeowner’s insurance broker to quote an auto insurance premium. Liberty Mutual came in more than $ 700 less for the same coverage. I conveyed this information to an Amica representative who acknowledged that Amica is not a low cost provider. To her credit, she said they would hate to lose a longtime customer, but they had no pricing flexibility. Do not get me started on the whole «we’re owned by policy holder» BS. Frankly, I think it is misleading.
So now I am a Liberty Mutual customer. I have not had occasion to file a claim, and sure hope it stays that way, but I cannot imagine that Amica’s claim service experience is so much better than Liberty Mutual’s that I should pay 30 percent more.
In the end, great service but obscenely high cost earns Amica three stars.
Please let me know what you think of this review by clicking a button below. Thanks!