Car Insurance
Wherever life takes you, Amica can help protect you with auto coverage tailored to your needs and over a century of superior service.
Insurance built on empathy means Amica prioritizes personalized service across quoting, policy management and all customer interactions. We’re committed to meeting the unique needs of each policyholder.
Discover how we can tailor coverage that fits your needs.
Tailor your car insurance coverage
Getting a customized quote for car insurance ensures that you’re getting coverage that aligns with your needs. Amica’s personalized approach to car insurance can help you secure the right level of protection without paying for coverage you don’t need or missing out on important features.
Liability coverage
Legally required coverage in most states, bodily injury liability pays for damages and legal fees if you cause an accident and injure someone else.
Property damage liability coverage is also legally required in most states as part of car insurance. This coverage helps pay for damages you cause to another person's property in an accident where you’re at fault.
Comprehensive coverage
Comprehensive, or other-than-collision coverage, helps pay for damage to your vehicle that isn’t caused by a collision. It’s optional coverage in most states; however, if you lease or finance your vehicle, you may be required to carry comprehensive coverage.
Collision coverage
Collision coverage can help cover the value of the vehicle or repair costs if you're involved in an accident with another vehicle or stationary object. Collision coverage is optional in most states, but it's often required if you're financing or leasing your vehicle.
Medical coverages
Personal injury protection (PIP) provides coverage for medical and other related expenses you and your passengers incur when you’re injured in an accident, regardless of fault. PIP includes coverage for lost wages, funeral expenses and essential services, like child care. PIP is typically not required coverage in all states.
Medical payments coverage (MedPay) helps pay for medical expenses for you and your passengers resulting from injuries sustained in a car accident, regardless of fault. MedPay is typically not required in all states.
Uninsured/underinsured coverage
Uninsured/underinsured motorist bodily injury coverage provides protection in the event you're injured in an accident with a driver who either doesn't have car insurance or doesn't have enough insurance to cover the damages. This coverage is required by some states. Even if your state does not require it, it's worth considering this valuable coverage.
Uninsured/underinsured motorist property damage coverage helps cover the cost of repairs to your vehicle if the at-fault driver either doesn’t have car insurance or their coverage isn't sufficient to pay for the full extent of the damages. This coverage is optional in most states.
Additional auto coverages
Roadside assistance helps drivers in need. You’ll receive 24/7 roadside assistance for a wide range of common problems you face on the road.
Guaranteed asset protection (GAP) insurance will help pay the difference between your car’s actual cash value (ACV) and what you owe on your loan or lease balance in the event your car is totaled in an accident.
Unlock savings with car insurance discounts
Saving money while still receiving great service is always a win-win situation. Amica offers various auto insurance discounts to help customers tailor their coverage to fit their needs and budget.
Why choose Amica?
We pride ourselves on providing insurance coverage policyholders can trust. This trust is built on a commitment to transparency, integrity and reliability in all interactions with customers. Policyholders are supported by award-winning claims and customer service, and backed by over a century of financial stability and strength. Our longevity provides peace of mind to policyholders, knowing that their insurance provider is well established and capable of fulfilling its commitments.
Exceptional value
Our approach to auto insurance focuses on you – you’re at the forefront of everything we do. We provide customized coverage ensuring you’re well protected. With access to a variety of discounts and rewards programs, you have the potential to lower your rates without sacrificing the quality of your coverage, giving you peace of mind on the road.
Quality service
We’re here for you, ready to assist with policy management, claims processing and more.
Our dedicated support team has a long history of customer satisfaction, which means you can expect assistance from knowledgeable representatives who understand your individual needs. Whether it's paying your bill or providing guidance on coverage options, Amica aims to deliver exceptional service at every touchpoint.
Reliable protection
Experience reliability with swift claims resolution to get you back on the road with minimal disruption. Amica policyholders have access to a convenient online portal or the mobile app where they can easily manage their claims. Policyholders also have access to advanced tools and resources for proactive protection for a seamless insurance experience.
Common questions about car insurance
Car insurance is required in most states, but the coverages and limits vary. It’s recommended that drivers carry insurance, regardless of state law. Having an auto insurance policy can protect you from accidents and unforeseen events on the road.
Most states typically require bodily and property damage liability protection. Amica representatives are available to walk you through the insurance needs for your state.
To get a quote, you’ll need:
- Your car’s make, model and year or vehicle identification number (VIN)
- Driver details and driving history, including accidents, claims and moving violations
- Current insurance information
When you're ready to purchase an insurance policy, you'll need:
- Your car’s vehicle identification number (VIN)
- Driver’s license number
- If you finance or lease your vehicle, you'll need the name and address of the company you make payments to.
Ready to get started?
You can start your car insurance quote:
- online
- or by calling 800-242-6422
Before you start to compare car insurance quotes, it’s important to nail down the coverages you’ll need. Once you’ve chosen your coverages, policy limits and desired deductible, you can compare quotes from different insurance providers.
Your location, driving history and vehicle are some major factors in determining car insurance rates.
Insights and guidance for car owners
Customer service that earns loyalty
Empathy isn't just a word — it's woven into every interaction with our policyholders. Their experiences are a testament to the trust and loyalty built over decades of compassionate service and support.
1 Discounts not available in all states and may vary.
2 Dividend policies are not available in every state, may not be available on all policy types, and are not guaranteed. To be eligible to receive a declared dividend, you must be a policyholder when, and if, dividends are declared. Should your policy cancel or terminate for any reason before the end of its full term, you would not be eligible for a declared dividend payment.