amica travel trailer insurance

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6 Best RV Insurance Companies of 2024

Table of Contents

• Best RV Insurance
• Things to Consider When Buying
• How We Chose

RV insurance policies are designed to provide protection for various types of events, including when your vehicle causes damage or injuries to others and when your vehicle incurs damage or loss.

Like other types of vehicle insurance, there are different levels of coverage available. This includes full-time RV insurance for those who live in an RV as their permanent residence and part-time insurance for RV owners who use the vehicle on a part-time or occasional basis.

No matter how often you use your vehicle, nearly every state requires liability coverage of some sort when you operate an RV. Additional coverage available for RVs includes collision insurance , which addresses the cost of repairs in the event of an accident involving another vehicle and comprehensive coverage , which is designed to cover such incidents as vandalism and theft, among other things. There are also many different types of add-ons and discounts available when selecting RV insurance.

Below we identify the best RV insurance providers, based on extensive research and taking into consideration such factors as policy offerings, extras, information availability and transparency on company websites, and more.

• Best Overall: Progressive »
• Best for Full-Time RVers: Good Sam Insurance Agency »
• Best for Part-Time RVers: National General »
• Best for Diversity of Coverage Options: Allstate »
• Best for Policy Discounts: Nationwide »
• Best Customer Service: Geico »

Best Overall:  Progressive

Insures all types of motorhomes

Extensive variety of discounts available

Offers full-time RV coverage

Total loss replacement not available in all states

Progressive is our top choice for RV insurance based on analysis of its offerings and the competition. Progressive insures a wide range of RVs including Class A, Class B, and Class C motorhomes. It also ensures conventional trailers and fifth-wheel trailers. Not all insurers offer coverage for such a diverse range of RVs.

Progressive also makes it very easy to identify any discounts that may be available. When requesting a policy quote, the Progressive platform shows users multiple ways to save on policy costs. There’s also a significant number of discounts offered, including original owner, multi-policy, pay in full, responsible driver, prompt payment, claim-free renewal, homeowners, continuous coverage, and paperless discounts. Disappearing deductibles, which represent another option, are also offered by Progressive. As part of this discount, for every claim-free period on your policy, Progressive says it will subtract 25%and will keep doing so until you reach $0.

Progressive’s policy options include coverage for those who use their RV full-time or as a residence. Policies for these customers provide coverage similar to homeowner’s insurance, including personal liability and loss assessment. Another feature we liked, in contrast to some other RV insurance providers, Progressive’s website is detailed and very informative, making it easy to learn about the various policies available, as well as add-ons, and discounts.

One significant drawback for some: Progressive does not offer total loss replacement in all states. If you own a newer RV or a particularly expensive RV, not being able to access total loss coverage can be a dealbreaker. You will need to check with your Progressive agent or speak to an agent on the phone to determine what coverage is available in your state.

Coverage Types:

• Comprehensive and collision
• Uninsured/underinsured motorist
• Medical payments

Discounts and Benefits :

• Original owner
• Multi-policy
• Pay in full
• Responsible driver
• Prompt payment
• Claim-free renewal
• Continuous coverage
• Paperless 

Add-Ons and customization :

• Roadside assistance
• Total loss replacement
• Replacement cost/personal effects
• Vacation liability
• Full-timer’s liability
• Loss assessment
• Emergency expense coverage
• Pet injury coverage
• Roof protection plus
• Pest damage protection

AM Best financial strength rating :

• A+ (Superior)

Best for Full-Time RVers:  Good Sam Insurance Agency

Covers all types of RVs

Provides coverage in Mexico

Insurance agency, not a direct insurer

Poor customer reviews of roadside assistance

Not all RV insurance providers offer policies for full-timers, but Good Sam does. It also offers customizable coverage options designed specifically with full-time RVers in mind. For those who use their RV six months or more annually, the full-timer’s plan offers personal liability loss coverage beyond that tied to a vehicle accident. Additional options available for full-time RVers include medical payments to others, personal belongings coverage, and emergency expense allowance. And because Good Sam utilizes a network of specialty RV insurance carriers to provide coverage – unlike other firms in this article, Good Sam is an insurance agency, not an insurance company – most RVers should be able to find coverage for any lifestyles and budgets.

It’s also worth noting that Good Sam can connect you with insurers that offer coverage for travel in Mexico, which is not something all companies offer. Good Sam discounts include multi-vehicle, multi-policy, and paid-in-full. There’s also a storage discount that allows policyholders to suspend most coverage options during non-travel seasons when your RV is in storage. The company says this discount can save users an average of 53%off insurance premiums when not using your motorhome, fifth-wheel, or travel trailer.

There are some drawbacks to consider when considering Good Sam as well. Most importantly, it is not a direct insurer. It is an insurance agency. The coverage itself is provided by such companies as Progressive, Safeco, National General, and others. As a result, coverage options may vary. In addition, there have been some customer complaints lodged with the Better Business Bureau (BBB) about Good Sam’s roadside assistance, which reviewers say has failed to meet the expectations of policyholders.

• Comprehensive
• Uninsured and Underinsured Motorist Protections
• Personal Liability
• Property Damage Liability
• Bodily Injury Liability
• Personal Injury Protection
• Multi-vehicle discount
• Paid in full discount
• Multi-policy discount
• Storage option discount
• Full replacement cost coverage
• Full-time RVer coverage
• Personal effects coverage

Best for Part-Time RVers: National General

Ability to pause coverage when RV is not in use

Purchase price guarantee coverage

Website lacks detailed information about policies

Does not cover all RV types; only Class A, Class C and toterhomes

One of the most notable features of National General’s offerings is the ability to pause coverage when you’re not using your RV. This is a potentially valuable money-saving feature for those who do not intend to drive or live in their RV full-time. For months when your RV is in storage or not being used, the pause option suspends collision and liability coverage, which the company says saves policyholders as much as 53%on premium costs.

The purchase price protection add-on offered by National General is another feature worth considering, especially if you’re driving an expensive new RV. This coverage can be added to your policy within an RV's first 9 model years and it pays up to the original purchase price of an RV, in the event your vehicle is totaled and needs to be replaced.

Some customers may be frustrated by National General’s website, which isn’t as user-friendly as those of some competitors. The publicly available information about policy offerings is limited, making it difficult to get all your questions answered if you’re policy-shopping online. In addition, the company does not cover all RV types. It only covers Class A, Class C, and Toterhomes. But the only way to find this out is to go through the steps of obtaining a quote on the company’s website.

Also you need to be aware that coverages and discounts as well as features, benefits, and pay plans may vary by states. You will need to verify what is available for your state with an agent.

• Multi-vehicle discounts
• Diminishing deductibles
• Storage savings option
• Purchase price guarantee
• Emergency expense allowance
• Specialized equipment coverage

Best for Diversity of Coverage Options: Allstate

Long list of coverage options

Offers full-time RV insurance

• RV safety course discount

Fewer discounts listed then some other insurers

Website lacks specifics about policies

The RV coverage options available through Allstate are extensive. In addition to the basics, such as bodily injury liability, property damage liability, collision coverage, and comprehensive, Allstate offers such options as vacation liability, pet coverages, tow bar coverages, and emergency expense coverage. Allstate’s policy options also include full-timer’s liability coverage. This coverage is available to those who use an RV as a permanent residence for more than six months annually. Allstate also offers a policy discount to those who take an RV safety course, something that is not offered by all insurers.

Still, the discount options listed on the Allstate website are limited compared to the competition. Beyond the safety course discount, the potential price cuts include homeowner discount , married discount, pay in full discount, and paperless discount. Other companies offer a wider variety of ways to reduce policy costs.

Coverages and discounts may vary by state. Speak with an agent to see what is available for you.

• Bodily injury liability
• Property damage Liability
• Collision coverage
• Comprehensive 
• Medical payments coverage
• Uninsured and underinsured coverage
• Personal injury protection coverage
• Homeowner discount
• Married discount
• Pay in full discount
• Paperless discount
• Personal effective coverage
• Emergency expenses
• Full timers liability coverage
• Pet coverage
• Tow bar coverage

Best for Policy Discounts: Nationwide

Variety of discounts available

Towing coverage includes lodging and meals

Limited optional coverages

No online quote option

Nationwide offers a variety of discounts in association with its RV policies including multi-policy and multi-vehicle discounts, RV safety course, paid-in-full, good driver, prior insurance, and claims-free renewal. It also offers a discount for RV association membership, which is not offered by many competitors. Those who are members of an RV club, such as the National RV Association, may be eligible for a policy discount.

Nationwide offers comprehensive roadside assistance. Using its mobile app when roadside assistance is needed, you can track service in real time, get status updates on a driver’s arrival, and read Google reviews of area repair facilities. The emergency assistance program is available 24-hours a day and includes towing, jump start, gas delivery, flat tire changes, and winching. When you add the optional towing coverage to your policy, you’ll also get coverage for trip interruption expenses including lodging, transportation and meals.

Nationwide’s optional coverages, however, are limited compared to the competition. It offers less than a half dozen choices: roadside assistance, towing and labor, vacation liability, safety glass replacement, and replacement cost and scheduled personal effects. This can be challenging for RVers seeking coverage for such things as pets, or other unique needs. The company also does not provide the option to obtain a quick policy quote via its website. Instead, you must call and speak with an agent. The agent will be able to share what coverages are available in your state.

• Property damage liability 
• Uninsured motorist
• Underinsured motorist
• Multi-vehicle
• RV safety course
• RV association
• Paid in full
• Good driver
• Prior insurance
• Claims-free renewal
• Towing and labor
• Safety glass replacement
• Replacement cost and scheduled personal effects

Best for Customer Service:  Geico

Coverage for motorized and towable RVs

Widely available across U.S.

Enhanced RV coverage is not available in all states

RV policy discounts not listed on Geico website

Geico is well-known for its admirable customer service and this holds true for its RV insurance. Customer service representatives are available around the clock, 24 hours a day, seven days a week. Customer service can also be reached through the Geico app or online via live chat on the company’s website. The variety of ways to communicate is not something offered by all providers and can be especially reassuring in an emergency situation.

Geico also provides coverage for a variety of motorized and towable RVs. The motorized RVs covered include Type A motorhomes, Type B motorhomes (van campers) and Type C motorhomes (mini motor homes). Their travel traveler insurance encompasses conventional travel trailers, fifth-wheel travel trailers, travel trailers with expandable ends and even folding camper trailers and truck campers. And unlike many other insurers, Geico also covers toy haulers used to transport motorcycles and ATVs.

There are some limitations to Geico’s coverage, however. For instance, it does not provide “enhanced”RV coverage in Hawaii, Massachusetts, Michigan, or North Carolina. There’s also no information made available on the Geico website about RV policy discounts that may be available, which can make it challenging to quickly obtain a full comparison of Geico policies and options against the competition.

• Defensive driver course completion
• Having a commercial drivers license
• Replacement cost personal effects
• Special windshield deductible
• A++ (Superior)

The Bottom Line

There’s a variety of RV insurance policy providers and options on the market, making it important to do your homework and understand the different choices and whether they suit your lifestyle, goals, and budget. If you’re a first-time RVer, be sure to ask a lot of questions so you know what you’re signing on for and what your policy will and won’t include. For sheer user-friendliness, Progressive can be a good place to start as its website provides a great deal of information up front.

Things to Consider When Buying RV Insurance

Coverage options: The coverage available for RVs varies widely. The standard coverages include comprehensive and collision, liability, uninsured/underinsured, and medical payments. Most states require liability coverage.

Policy exclusions: Most insurers have policy exclusions and items or incidents that they won’t cover. Some RV insurers, for instance, do not provide liability coverage for towable vehicles. It’s important to read the fine print and understand what is excluded before selecting a particular policy or insurance company.

Discounts and benefits: The best insurance companies offer a diverse range of discounts including multi-policy, multi-vehicle, safe driver, prior insurance, paid-in-full, and claims-free renewal. Some companies also offer more unique discounts such as RV association membership discounts.

How We Chose the Best RV Insurance

A number of expert sources were used to conduct this review. The selection was narrowed down with additional research, paying particular attention to policy add-ons, discounts, user-friendliness of websites and the transparency of available information. We also took the company’s AM Best financial strength rating into account, as well as consumer feedback from the Better Business Bureau (BBB).

Overall, we found that the best policy is one that combines a variety of coverage options, as well as a diversity of discounts and the ability to customize policies to meet your needs and RV usage styles.

WHY SHOULD YOU TRUST US?

Our contributors and editors have years of experience researching, testing, and reviewing products. Mia Taylor , the author of this piece, has nearly two decades of consumer news experience in insurance, personal finance, loans, debt, credit cards, real estate, and travel. She has worked for Fortune, Bankrate, Policygenius, TheStreet, Cheapism, Real Simple, Parents, Better Homes & Gardens

Progressive offers the most depth and breadth of coverage along with an easy-to-use website and an abundance of transparent information about its offerings. However, the best RV insurance will really vary based on your unique needs as an RVer, as well as your budget and coverage goals.

Full-time RVers will need a policy that’s specifically designed for their lifestyle. These policies are similar to home insurance policies and often include such features as personal liability and loss assessment coverage. Part-time RVs or occasional travelers will need less comprehensive coverage and may want to seek a policy that provides discounts for those times when the RV is in storage or not in use.

Some policies do cover belongings inside your RV, but you will typically need to add this type of coverage to a standard policy, which will increase your policy costs.

Some companies may provide rental reimbursement while an RV is being repaired. This would be an add-on feature, so be sure to ask about the availability of this option when shopping around.

Because trailers are not motorized, a separate policy is typically not required. In most cases, the liability insurance you have for the vehicle that’s towing the trailer will cover your trailer.

When renting out an RV that you own, you will need insurance that covers yourself during the rental period while other people are driving the vehicle. You will also need a separate insurance policy that allows you to rent your RV.

U.S. News 360 Reviews takes an unbiased approach to our recommendations. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence.

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• • Life insurance

Natasha Cornelius, CLU, is an insurance editor for Bankrate, specializing in auto, home and life insurance.

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At a glance

BEST AUTO INSURANCE COMPANY OVERALL (TIE)

Score breakdown

Cost & ratings

About Bankrate Score

Policyholders who value excellent customer service and robust coverage options, but don’t mind paying more for homeowners insurance, might consider Amica as their company of choice.

• Company overview
• Average rates from Amica
• Company details

Who Amica may be good for:  Amica may be a good choice for customers seeking quality customer service; the company's broad range of insurance products may appeal to those who wish to keep all their insurance policies under one roof.

Who Amica may not be good for:  Amica is not a good fit for drivers or homeowners in Hawaii, where Amica does not write either type of policy.

Avg. annual premium for full coverage

Avg. annual premium for min coverage

Avg. annual premium for $300k dwelling coverage

• Sales, customer service and claims for auto and home:  1-800-242-6422
• Sales and customer service for life:  1-800-619-6077
• Roadside assistance:  1-866-286-9968
• Payment address for auto and home:  PO Box 9128, Providence, RI, 02940-9128
• S tate availability:  For auto insurance, Amica is available in every state except Hawaii. For home insurance, Amica is available in most states except Alaska, Florida and Hawaii. California, Missouri and North Carolina do not have the option to participate in the home insurance dividend program.

Amica car insurance

Amica car insurance earned a Bankrate Score of 4.6 out of 5.0 and tied for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. Based on our assessment, Amica could be an excellent choice for drivers looking for comprehensive coverage options. In addition to the standard coverage types you would expect to find with any carrier, Amica also offers roadside assistance, gap insurance, glass coverage and rental reimbursement. Some drivers may also want accident forgiveness (also called Good Driving Rewards in some states) to help protect against a surcharge in case they’re involved in an at-fault accident.

Drivers who want robust protection may find Amica’s Platinum Choice Auto package especially appealing. Here, you’ll find glass repair or replacement without a deductible, credit monitoring services, new car replacement coverage and rental coverage with no daily limit in one package. Amica car insurance policies are highly customizable as the company allows shoppers to add these options à la carte if they don’t want to buy the Platinum Choice Auto package as a whole.

Amica car insurance is available in every state except for Hawaii. Drivers interested in getting a quote from Amica can visit its website at amica.com. Note that online car insurance quotes are unavailable in Louisiana. Residents of this state must call to speak with an agent.

Why Amica won

Amica was tied with Geico for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. The company earned the top ranking in both the J.D. Power 2023 U.S. Auto Claims Satisfaction Study and the 2023 U.S. Insurance Digital Experience Study in the category of service. This suggests that Amica places a high priority on its relationships with customers and works hard to ensure that claims are managed efficiently. In addition, the company’s average rates for car insurance are below the national averages, and auto policies are available in every state except Hawaii.

How we rated it

To choose the best overall auto insurance company, we started by gathering information from over 150 insurance companies. We researched average quoted annual premiums obtained from Quadrant Information Services for all 50 states and Washington, D.C., because we know that price is a top concern for many shoppers. We also know that service and financial strength are important, so we also evaluated third-party scores and ratings from J.D. Power, the National Association of Insurance Commissioners (NAIC), AM Best, Standard & Poor’s (S&P), Demotech and Moody’s.

To ensure that we chose companies that offer the coverage that drivers need, we next reviewed available coverage options and discounts. Finally, we considered each company’s local agency presence, digital tool functionality, corporate sustainability and national availability (which we define as being available in at least 48 states, since Alaska and Hawaii often present unique challenges to insurers). While our Bankrate Awards can serve as a helpful guide, keep in mind that each insurance company has its own underwriting and pricing regulations, which means eligibility and rates will vary. We chose to feature two companies, Amica and Geico, as the best overall to help a wider range of drivers.

• Pros and cons
• Car insurance cost

Amica car insurance discounts

Pros and cons of amica car insurance.

When you’re looking for the best car insurance company to meet your needs, it can be helpful to make a list of pros and cons. Every driver needs something different in their auto insurance, and creating a visual may help you find the company that stands apart from the rest.

Car insurance rates align closely with the national average costs

Company will pay replacement cost value if your new vehicle is declared a total loss within the first 180 to 365 days of ownership

Robust coverage options offered

No online car insurance quotes available in Louisiana, and no coverage offered in Hawaii

No ridesharing coverage available

Amica car insurance cost

Using proprietary data provided by Quadrant Information Services, Bankrate tracks rate trends to find the cheapest car insurance companies available. According to our research, the average cost of car insurance in May 2024 for a full coverage policy is $2,299 per year. A minimum coverage policy is $637 per year. For comparison, Amica car insurance averages $2,662 and $673, respectively. Although you may be paying more or less than the average based on your personal rating factors, this information might be a helpful touchstone when comparing car insurance quotes.

Amica car insurance rates by driving history

Auto insurance companies use several rating factors to calculate your premium, and your driving history is one of the most significant. However, companies give different weights to each type of incident. For instance, as demonstrated in the tables, you’ll typically pay more for your car insurance if you have an at-fault accident or a speeding ticket.

It’s important to mention that not all carriers will offer a policy to drivers with serious convictions on their record, such as a DUI. For more information on Amica’s DUI rates or if DUIs are accepted, please get in touch with a licensed agent directly.

Amica car insurance quotes by age

In every state except for Hawaii and Massachusetts, your age will affect how much you pay for car insurance. Generally speaking, younger drivers pay the most for car insurance because of their increased risk of car accidents. Not only are young drivers more likely to be involved in an accident, but their accidents tend to be more severe. According to the Insurance Institute for Highway Safety , the fatal crash rate is nearly three times higher for 16- to 19-year-olds than for drivers ages 20 or above.

However, young drivers looking for cheap car insurance may want to know that they could pay less when listed on their parents’ policy instead of purchasing a policy on their own. Each insurance company rates young drivers differently, so getting several free online car insurance quotes can help you find the best rate. The tables below show the average premiums young drivers may expect to pay, broken down by coverage type and how the young driver is covered.

Average cost of car insurance for drivers on their parents’ policy

Average cost of car insurance for drivers on their own policy .

Amica offers many discount opportunities that may help you save on your car insurance, including:

Amica home insurance

Amica home insurance earned a Bankrate Score of 4.6 out of 5 and ranked as one of the best home insurance companies for its robust coverage options. To determine Amica’s Bankrate Score, Bankrate’s insurance editorial team reviewed many of the same car insurance key metrics but tailored the metrics for home insurance. Amica home insurance offers robust coverage options and performed well in customer service, earning the second place spot in the J.D. Power 2023 U.S. Home Insurance Study . However, the company lost points in its Bankrate Score for having more expensive average premiums than other carriers and the national average.

Amica offers both HO-3 and HO-5 home insurance products. Its Standard Choice package is an HO-3 policy type and may be ideal for those who only want basic coverage options with the option to purchase additional coverage. Additional coverage options include a 30 percent extended replacement cost for dwelling, personal property replacement coverage, water backup/sump overflow and special computer coverage for electronic devices.

Homeowners interested in an extensive home insurance policy can choose Amica’s Platinum Choice package, an HO-5 policy type that includes the additional options in its Standard Choice package as default, as well as credit card coverage, business property coverage, extended coverage for valuable items, loss assessment plan and increased limits for liability and medical payments coverage.

• Homeowners insurance cost

Amica home insurance discounts

Pros and cons of amica home insurance.

When you compare home insurance quotes , you might find it helpful to consider the perks and drawbacks of each company. This information might streamline the shopping experience and help you find a carrier that meets your personalized needs.

Policies are highly customizable

Ranked well for overall customer and claims satisfaction, per J.D. Power

A+ (Superior) AM Best financial strength rating

Not available in all states

Unable to make policy changes on the Amica mobile app

Amica home insurance cost

We compiled and analyzed rate data provided by Quadrant Information Services and found that the average cost of home insurance for $300,000 in dwelling coverage is $2,153 in May 2024. Amica home insurance, on the other hand, comes in at $1,863. It’s important to mention that your rate may vary depending on the age of your home, claims history and other rating factors. Homeowners can get a quote through Amica's website or contact the insurer directly over the phone.

Amica might not be the cheapest home insurance company , but it does offer discounts that could offset its higher-than-average premiums, including:

Amica life insurance

If you are in the market for the best life insurance , Amica may be worth considering. The company offers term life and whole life insurance. Whether you are getting married, welcoming a baby or planning for retirement, a life insurance policy from Amica may provide future financial protection for your loved ones. For a life insurance quote, you can get a quote online and submit a same-day application without the need to contact an agent.

Amica life insurance endorsements

Pros and cons of amica life insurance.

Life insurance is a complicated product, so comparing quotes to find cheap life insurance might seem tricky. Considering a company’s pros and cons can help.

Cost of living provision on eligible term life policies may help your coverage keep up with inflation

Specialty products such as long-term care, disability income and second-to-die whole life available

No guaranteed acceptance life insurance policies offered

Life insurance product availability, features and riders may vary depending on your state

Amica life insurance is not rated by J.D. Power

Information regarding Amica’s life insurance riders is a little sparse, but the company does list the following on its website:

For a full list of Amica’s life insurance endorsement options, please contact the company.

• Compare Amica with other insurers

Amica insurance review may have left you wondering if this company will be a good fit. If this is the case, you might want to consider requesting quotes from the carriers below:

• Is Amica Insurance a good insurance company?

Here at Bankrate, we understand how important it is to research insurance companies before making the switch. That’s why our insurance editorial team (which includes licensed insurance agents) does the leg work for you by conducting exhaustive company reviews. Our goal is to give you the information you need to decide what company will provide you with the financial protection that makes the most sense for your circumstances.

Based on our research, Amica could be a good choice for many individuals. If you are looking for a company that places a high value on taking care of its policyholders, you may want to note that Amica earns a high ranking for customer satisfaction with J.D. Power for both auto and home insurance. Partly because of this factor, the company also was named a 2024 Bankrate Awards winner for Best Overall Auto Insurance Company (tie with Geico) and Best for Customer Experience (also for auto insurance).

Amica customer satisfaction

Bankrate's insurance editorial team uses a few different metrics to measure an insurance company's customer satisfaction, including J.D. Power scores. This third-party rating company issues annual insurance company studies measuring companies' overall customer satisfaction along with claims satisfaction. J.D. Power uses a numerical ranking system by providing a “best of” score on a 1,000-point scale.

We also consider the scores from AM Best, a third-party company that rates insurance companies on their financial stability and creditworthiness. In the event of a claim, it is vital to know that you are with a company stable enough to honor its financial responsibility. AM Best uses a standard letter system, with grades A through D.

Amica secured the top spot on J.D. Power’s U.S. Insurance Digital Experience Study for customer service but fell below average in terms of its shopping experience. However, Amica maintained its longstanding Superior rating with AM Best.

• Amica auto claims
• Amica home claims

When it comes to auto customer satisfaction, Amica shines. After all, this is one of the reasons it tied for Best Auto Insurance Company Overall in the 2024 Bankrate Awards. Although Amica was only included in the New England region of the J.D. Power 2023 U.S. Auto Insurance Study , it earned one of the top spots. It was also the number one insurance company for claims satisfaction in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.

As with auto, Amica home insurance ranked very highly for overall customer satisfaction in the J.D. Power 2023 U.S. Home Insurance Study. It secured second place in the 2023 U.S. Property Claims Satisfaction Study .

Amica customer complaints

Seeing how many customer complaints a company has can give you insight into how other customers perceive a company's service and product. We analyze data from the National Association of Insurance Commissioners (NAIC) Complaint Index. Here, the NAIC keeps track of how many complaints it gets regarding insurance companies and compares it to the overall average. To understand this data, the average (or baseline) amount of complaints equates to an NAIC Complaint Index score of 1.0. A company with a higher score than 1.0 gets more complaints on average, and a score lower than 1.0 indicates fewer complaints.

• Amica auto complaints
• Amica home complaints

Amica is known for its customer service, so it is no surprise that it has lower-than-average customer complaints. In 2020, it did receive slightly higher complaints than average but has vastly improved its numbers over the past two years.

As far as homeowners complaints go, Amica scores incredibly well, with reports well below average. With scores consistently below the 1.0 average, it indicates that policyholders may be happy with Amica's service on a regular basis.

Other Amica tools and benefits

In addition to auto, home and life, Amica offers a variety of other coverage types, including:

• Renters insurance : As a renter, this insurance provides coverage for personal belongings, liability and loss of use coverage.
• Umbrella insurance : This policy provides additional liability coverage or extends the limits of your underlying policies, like your auto and home insurance policies, for additional financial protection.
• RV and trailer insurance: Owning an RV is different from owning a personal car, and this policy is tailored to those specific needs.
• Flood insurance : A standard homeowners policy does not cover floods. You may want to consider purchasing an NFIP flood policy through Amica for extra financial protection.
• Home business coverage : Those who run their own business out of their home can find coverage for business equipment, like furniture, electronic equipment and supplies, as well as work-related liability for visitors or customers that come into their home.
• Dividend home insurance policy : While the coverage is the same as Amica’s standard home policy, the dividend policy may return a portion of the paid premium to the policyholder, with average returns ranging from 5 to 20 percent of the annual premium. This could lower the overall cost of the home insurance policy, but returns are not guaranteed; the dividend policy is unavailable in all states and may be more expensive upfront.
• Contractor Connection : A useful tool for homeowners who want access to licensed contractors for home renovation and remodeling projects. Amica monitors contractors for metrics such as work quality, estimates and timeliness and requires contractors to back projects with a workmanship warranty for five years.
• Frequently asked questions about Amica Insurance

How do you file a claim with Amica?

Filing an insurance claim with Amica is straightforward, but you will need some basic information handy. For instance, if you’re filing a car insurance claim , it will ask for your policy number, the date of the accident and the other party’s details. In some cases, the company may ask for a copy of the police report (when applicable).

You can file a claim with Amica by:

• Calling 1-800-242-6422 to report an auto or home claim
• Calling 1-800-234-5433 to report a life claim
• Visiting Amica’s online claim portal
• Reporting the claim on Amica’s mobile app

Does Amica have a corporate sustainability program?

Amica is involved with many companies that support communities and individuals through its corporate responsibility programs. It partners with Mothers Against Drunk Driving (MADD) to promote safe driving habits and has donated $5.2 million to nonprofit organizations through grants and sponsorships. It accepts nominations for donations through its Amica Companies Foundation, which is specifically for nonprofits serving Rhode Island residents.

Amica employees are also encouraged to volunteer with paid time off and donation matches from the company. According to Amica, the company has matched 175 percent of employee donations to qualified organizations.

What did Amica used to be called?

The Automobile Mutual Insurance Company of America started in 1907 and is a Rhode Island-based company. Eventually, the acronym AMICA took its place.

Does Amica have a good website?

Amica's website is somewhat sparse, and it doesn't include some of the informational elements that other larger companies have, such as an educational blog. It does feature a storm center with information for policyholders on how to prepare for and stay safe during floods, tornadoes and other natural disasters. You can make a payment and report claims via the website, and the company also has apps for iOS and Android devices that allow you to manage your policy online.

Methodology

Bankrate utilizes Quadrant Information Services to analyze May 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female homeowners with a clean claims and incidents history, good credit and the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $50,000 property damage liability per accident
• $100,000 uninsured motorist bodily injury per person
• $300,000 uninsured motorist bodily injury per accident
• $500 collision deductible
• $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

The rates for drivers ages 16-20 added to their parents' policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

• Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
• Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

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• Coverage & savings 30%
• Support 20%

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RV Insurance

Insurance for your RV, travel trailer, or camper.

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Make sure you have the right recreational vehicle (RV) insurance policy for your next trip. GEICO offers affordable RV insurance with great coverage for your needs.

We know you love the RV lifestyle – whether it's an RV, camper, motor home, or travel trailer. That's why GEICO's RV specialists are available to help you get the right RV insurance coverage for you.

Specialty RV protection on the open road.

RVers encounter unique situations on the road. With that in mind, GEICO offers these enhanced coverages in most states*:

• Motorized RV insurance
• Towable RV insurance

Learn more about the RV insurance coverages we offer.

Do you need RV insurance?

Most states require RV drivers to carry liability insurance, and the minimum requirements for RV are usually the same as for cars. Make sure you get the right camper insurance by educating yourself on your state's insurance laws and coverage requirements .

Protect your investment with additional coverage for specialty vehicles like RVs and travel trailers. Check out our special coverages to see how GEICO can help.

How much does RV insurance cost?

RV insurance costs depend on factors such as your state's insurance requirements, your driving history, and your needs. The deductibles, liability limits, and RV insurance coverage that you choose may affect the total cost.

The extra protection that comes with higher liability limits may increase the cost of your insurance. On the other hand, a higher deductible may reduce your RV insurance costs.

Unlock potential savings and peace of mind with RV insurance.

Maximize your savings.

• Defensive Driver Discount
• Good Student Discount
• Military Discount
• Multi-Vehicle Discount
• Multi-Line Discount
• Association Discounts
• Commercial Driver's License Discount
• Anti-Theft Discount

Pay Your Way

We offer convenient payment methods and plans :

• Pay online, over the phone, or by mail
• Choose to pay in full or in installments

Check Your RV Policy Anywhere

Take care of your RV insurance with an online account :

• Get an ID card
• View your policy details
• File or track an RV claim

RV Insurance Coverage With GEICO

Motorized rv and towable rv insurance.

Enhanced recreational vehicle insurance coverages include:

• Total loss replacement
• Replacement cost personal effects
• Vacation liability
• Emergency expense coverage
• Special windshield deductible
• Recreational vehicle medical payments coverage
• Medical payment coverage for a recreational vehicle

Travel Trailer Insurance

GEICO provides insurance coverage for these towable RVs and travel trailers:

• Conventional travel trailers
• Fifth-Wheel travel trailers
• Folding camper trailers
• Truck campers

GEICO even covers the toy-hauler you use to transport your motorcycle or ATV .

Need to speak to an RV insurance or motor home insurance agent?

You can reach us at (877) GEICO-RV (434-2678) for sales or service.

• Sales Mon - Sun 8:00 AM - 11:00 PM (ET)
• Service 24 hours 7 Days a Week

RV Insurance: Get the answers you need.

• Do I need RV insurance? Absolutely, RV insurance is a smart move for protecting your home on wheels. Much like a car insurance policy, it provides coverage in case of accidents, theft, or damage. Plus, it often includes liability coverage, which is crucial for your peace of mind while you're out exploring the open road.
• How much does RV insurance cost? The cost of RV insurance can vary widely depending on several factors. It's influenced by the type of RV you own (motorhome, travel trailer, fifth wheel, etc.), its value, how you use it (full-time or occasional trips), and where you're located. It's a small price to pay for the freedom and protection it provides as you travel in your RV.
• What RV insurance coverages are available? GEICO offers a range of coverages such as total loss replacement and vacation liability to protect your RV and provide you with peace of mind while on the road. These coverages are designed to address various risks and potential losses that RV owners may face. For more information on the types of coverage available, check out our RV coverages page .
• How do I get the best RV insurance rates? You can customize your RV insurance policy and find a few ways to possibly lower your insurance rates. You should consider whether you're storing your RV in a safe and secure location, decide how you will use your RV, change your insurance deductible, and more.
• How can I avoid common RV problems? You can't predict when a problem will occur but you can help avoid them with simple maintenance. You should check your tires regularly, keep tires properly inflated, replace the old sealant around all windows, and constantly maintain your RV. To protect yourself financially, you should also have RV insurance. For more info, check out our common RV problems page .
• What RV type is right for me? Deciding which RV is right for you comes down to personal preference and needs. Consider factors like whether you need a self-propelled or towed RV, the amount of weight your vehicle can safely tow, and the amount of RV space you need. For more guidance on selecting the right RV type, be sure to check out our help page .
• Where can I learn more about RV safety? To learn more about RV safety, you can check out our safety tips for RVs . These tips provide valuable information and guidelines to make a safe and enjoyable RV experience more likely. By following these tips, you can enhance your knowledge and take precautions designed to help financially safeguard your trailer itself and also help cover you financially in case of accidents or liability issues. So, even if it's not compulsory, it's a wise choice for protecting your investment and ensuring your peace of mind while you're on the road.
• What's the difference between motorhome and travel trailer insurance? Motorhome insurance is tailored for vehicles you can drive, such as Class A, B, or C motorhomes. It provides coverages for both the RV and liability that might arise while you're on the move. On the other hand, travel trailer insurance is designed for non-motorized trailers towed behind your vehicle. It provides coverage for the trailer itself and may also include liability protection. So, the main distinction lies in whether your RV has its own engine or not, but both types of insurance could help ensure you're well-covered during your adventures.

Please note:

Some discounts, coverages, payment plans, and features are not available in all states, in all GEICO companies, or in all situations. The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.

*Enhanced RV coverage is currently available in all states except: HI, MA, MI, and NC.

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Amica Insurance Review 2023

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Trusted Choice's Amica Insurance Score

Trusted Choice awards Amica an overall rating of 2.75 out of 5 stars. Though the carrier has been in the insurance industry since 1907 and offers an extensive coverage catalog, they don't work with independent insurance agents. Amica insurance reviews by customers are also varied, with many negative accounts reported by policyholders. Reviews of Amica insurance show cause for concern, especially considering the reviews on Amica Insurance shown on the Better Business Bureau's website. With so many complaints filed in recent years, we just can't rate this insurance carrier any higher.

Amica Insurance Company Pros and Cons:

Amica insurance pros: .

• Amica is an older company with an established track record of financial stability. 
• Their customer service is reportedly excellent. 
• They have high ratings from both AM Best and the BBB. 
• Their wide variety of products makes it easy to meet all your insurance needs in one place.

Amica Insurance Cons:

• Amica doesn’t work with independent insurance agents, meaning they will only show you their own quotes and prices. 
• They will not inform you of options from other insurance carriers, even if they are cheaper or more comprehensive.

What Type of Insurance Does Amica Offer?

Amica offers nearly every kind of personal insurance you can think of. They are especially well-known for their car insurance, and they also offer small business insurance.

• Wedding and Event
• Small Business

If you’re looking for a one-stop shop for your family’s insurance needs, Amica could be a good choice for you. However, since Amica doesn’t use independent insurance agents, choosing them could mean you lose out on better deals elsewhere.

What to Know about Amica

Amica was founded in Rhode Island in 1907. At first, Amica offered only auto, theft, and fire insurance. They began offering homeowners insurance in 1956 and life insurance in 1970. Amica was founded as a mutual insurance company, meaning the company is owned by its customers rather than by stockholders. The money that customers pay in premiums is invested and managed in order to grow the company and increase its stability.

Amica is financially stable. The carrier currently holds an "A+" rating from AM Best, the top credit agency for insurance companies. "A+" is the second-highest possible rating an insurance company can receive.

Amica ranks 823 rd in Fortune 500 rankings. It has over 3,700 employees but no insurance agents. Their insurance is sold exclusively through their own customer service representatives.

Amica Auto Insurance Details

Amica offers the standard coverages you can expect in a car insurance policy. However, depending on your needs, you may wish to add extra coverages to your policy. Various Amica auto insurance reviews suggest that the following are the carrier's most popular coverage add-ons:

• Accident forgiveness: Amica offers protection against premium increases if you get into an accident, but it's based on a points system. Customers can accumulate points for driving well, referring new customers to the carrier, adding more coverages, and more.
• Disappearing deductible: Customers also have the option to apply these points toward their deductible, to decrease or potentially eliminate it. 
• Identify fraud monitoring: Amica offers a service to monitor customers' credit and other personal info. The carrier even offers a professional fraud service in case of identity theft. 
• Full glass coverage: Amica offers glass repair or replacement to customers' vehicles without factoring in the deductible. 
• Prestige rental coverage: Amica also allows customers to claim up to $5,000 toward a rental car, if it's a compatible model to their own vehicle, after an accident.

Amica auto insurance discounts

Amica offers many discounts, especially for car insurance, its signature product. Many of its deepest discounts are for bundling insurance, meaning buying multiple kinds of insurance through Amica.

• Up to 25% off when insuring multiple cars through Amica
• Up to 30% bundling discount for buying multiple kinds of insurance through Amica, e.g., home and life
• Varying discounts for using autopay for auto insurance premiums
• Varying discounts for paying your auto insurance premiums in full

The caveat to these discounts is that Amica doesn’t work with independent insurance agents, meaning you’ll have to do the legwork yourself if you want to compare quotes and shop around for the true best deal for you.

Amica Home Insurance Details

Amica offers the standard coverages you can expect to find in a home insurance policy. But the carrier offers many optional add-ons as well. Amica home insurance reviews detail some popular coverage add-ons. Customers mention these additional coverages in their Amica homeowners insurance reviews:

• Dwelling replacement: Covers up to 30% more than a policyholder's dwelling coverage limit to repair or rebuild their home's structure.
• Personal property replacement: Covers costs of repair or replacement to policyholders' personal belongings.
• Water backup/sump overflow: Covers home damage resulting from sump pump overflow or breakage, or from sewage backup.
• Valuable items extended coverage: Extends coverage limits for high-value items like jewelry, antiques, art, etc., and is available under Amica's Platinum Choice home insurance package. 
• Loss assessment plan: Covers customers who live in gated communities or condos and suffer from theft or other loss in a common area like a lobby.
• Liability and medical payments coverage: Extends a homeowner's liability coverage limits up to $500,000 and guest medical payments coverage up to $5,000.
• Special computer coverage: Extends coverage for the insured's electronics, including TVs, laptops, smartphones, tablets, etc., if they get damaged by power surges, heat, fire, or water.
• Credit card coverage: Covers up to $5,000 of fraud charges if the insured's credit card info gets stolen.
• Business property coverage: Covers up to $5,000 in damage to business property stored at the insured's home, as well as up to $2,000 for business property stored outside the home.

Amica home insurance discounts

Amica also offers several discounts on their home insurance coverage. Just a few of these include:

• Claims-free discount:  If a policyholder has not filed a home insurance claim in at least three years, they qualify for this discount.
• Loyalty discount:  If a policyholder stays with Amica for at least two years, they qualify for this discount.
• E-discount:  If a policyholder goes paperless, they qualify for this discount.
• Autopay discount:  If a policyholder signs up for autopay for their premiums, they qualify for this discount.

Other Amica Insurance Details

Amica offers many other insurance coverages beyond just auto and home. Amica renters insurance reviews and Amica umbrella insurance reviews demonstrate that many customers choose this carrier for their property and liability needs. The other products offered by Amica currently are:

• Life insurance: Amica offers term life insurance and whole life insurance products.
• Umbrella insurance: Umbrella insurance from Amica can extend liability coverage limits under policies like home insurance or auto insurance to $1 million or more.
• Condo insurance: Condo insurance from Amica covers your personal property, liability, and more if you live in a condo.
• Renters insurance: Renters insurance from Amica covers your personal property, liability, and more if you rent your home, condo, or apartment.
• Marine insurance: Marine insurance from Amica covers personal watercraft like boats against physical damage, liability, and more.
• Motorcycle insurance: Motorcycle insurance from Amica covers your motorcycle's physical damage from covered perils, liability, and more.
• Wedding and event insurance: Wedding and event insurance from Amica provides coverage if an event must be canceled, guests don't show up, and more.
• Small business insurance: Small business insurance from Amica covers liability, physical property damage, lost revenue, and more.
• Retirement solutions: Amica offers annuities and IRA options for retirement solutions. 
• Flood insurance: Flood insurance from Amica can reimburse for water damage done to homes, businesses, and more caused by natural water sources like tsunamis and hurricanes.
• Pet insurance: Pet insurance from Amica can help cover pets' medical expenses and more.

Amica Customer Service

Because Amica doesn't partner with independent insurance agents, all customer service must be done through their representatives directly. Amica has a decent reputation for customer service.

• Claims may be filed online or by phone at the following hours: 

Independent insurance agents can give you expert, personal service that regular customer service representatives cannot. Amica doesn't work with independent agents, meaning you must work directly with their employees.

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Amica Insurance Reviews from Customers

Here are just a handful of recent Amica Insurance reviews from customers across the web.

Amica Insurance FAQ

What is amica's average claims response time frame.

Amica allows claims to be filed at any time online or at specified hours over the phone. You may be required to do certain things before making a claim, such as filing a police report. These things will be outlined in your policy.

What is Amica's claims process?

Amica accepts claims via phone and their online portal. From there, Amica will assign you a claims adjuster to assess the damage.

Does Amica's insurance create a user-friendly experience for customers?

Amica offers many useful services to its customers, including roadside assistance and help finding a repair shop. However, the fact that they sell insurance only through their own representatives is a major drawback. If you're unhappy with Amica's service, you'll need to work it out with them directly or take your business elsewhere.

What states does Amica Insurance cover?

Auto insurance and life insurance are available from Amica in all states except for Hawaii. The carrier sells its homeowners insurance and renters insurance in every state except for Hawaii and Alaska.

Does Amica offer landlord insurance?

No, Amica does not sell landlord insurance.

Does Amica homeowners insurance cover water damage?

Certain types of water damage aren't typically covered by home insurance. But Amica offers optional water backup coverage to protect against sewer and sump pump failure or backup. The carrier also offers additional flood insurance to protect homes against hurricane, tsunami, and other natural water damage.

Does Amica homeowners insurance cover termites or insect damage?

No, termite damage and insect infestation are not covered by home insurance policies by most carriers. Amica's home insurance policies exclude coverage for termites or insect damage. Unfortunately, homeowners should expect this coverage to be excluded by most home insurance policies across the country.

Does Amica homeowners insurance cover theft?

Yes, theft is a standard coverage offered in home insurance. Amica home insurance policies include coverage for theft of your personal belongings, including electronics, furniture, clothing, etc., up to the policy's limits. Coverage limits for valuable items can also be extended optionally.

Does Amica homeowners insurance cover tree damage?

If a tree falls on a home due to strong winds, the damage is typically covered. Amica's homeowners insurance includes tree damage coverage if the tree fell due to wind. Other incidents of tree damage may not be covered.

https://www.bbb.org/us/ri/lincoln/profile/insurance-companies/amica-mutual-insurance-company-0021-104854

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https://clearsurance.com/insurance-reviews/amica-mutual-insurance-company-5835ece073b103329e91ab45

https://www.consumeraffairs.com/insurance/amica_auto.html?#reviews

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• Best affordability coverage
• Best for military
• Best for teen drivers
• Best for discounts
• Best for teachers
• Best for accident forgiveness
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Best Car Insurance Companies of 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

If you drive, you probably need car insurance. Nearly all states have liability insurance requirements for drivers. New Hampshire does not have these requirements, but don't mistake this for a free pass to get on the road unprotected.

Generally, it's a good idea to go beyond state minimums and opt for full coverage , which can be a mix of liability, comprehensive, and collision car insurance to ensure you've covered your bases in a wide range of scenarios. 

Best Car Insurance of 2024

• Best Customer Satisfaction: Amica Mutual
• Best Affordable Coverage: GEICO
• Best for Military: USAA
• Best for Teen Drivers: State Farm
• Best for Discounts: Farmers Insurance
• Best for Teachers: Liberty Mutual Insurance
• Best for Accident Forgiveness: Progressive

Compare the Best Car Insurance Companies

Auto insurance is a safeguard and can lessen the financial burden of a car accident, but only if you have the proper coverage. The best car insurance will offer solid coverage without going overboard on premium rates.

Here are the best car insurance companies of 2024.

Best customer satisfaction: Amica Mutual

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Many discounts and options to bundle insurance policies
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. high customer satisfaction according to JD Power's auto insurance study
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long history in the insurance industry
• con icon Two crossed lines that form an 'X'. Not available in Hawaii
• con icon Two crossed lines that form an 'X'. May not provide the most competitive rates for higher risk drivers
• Ranks high in customer satisfaction
• Discount for students and vehicle safety

Founded in 1907 as The Automobile Mutual Insurance Company of America, Amica Mutual Insurance Company is well-regarded in auto insurance. Amica Mutual was ranked number one in JD Power's most recent U.S. Auto Claims Satisfaction Study, factoring in the experiences of over 8,000 participants who had filed and settled an auto insurance claim within the previous six months.

Amica car insurance also has an A+ rating from AM Best, which looks at a company's financial stability. The more financially stable a company is, the more likely it is to be around to pay your claims when you need it. So its excellent AM Best ranking gives many consumers peace of mind.

Amica offers liability, collision, comprehensive, and other common types of auto insurance. It also provides gap coverage, which can be helpful if you get into an accident with a vehicle you're currently financing. This covers any difference between your car's value and your loan balance in the event of a total loss. The exact limits and terms may vary based on the plan you buy. As such, we recommend speaking with an Amica agent to ensure you understand everything you need to know.

You can also opt for roadside assistance or get its premium option, Platinum Choice® Auto. It comes with glass repair with no deductible, rental coverage, new car replacement, and more. Amica also offers a mobile app to manage all your insurance needs.

Read our Amica Auto Insurance review here.

Best affordability coverage: GEICO

Discounts for airbags, anti-theft system, military, good student, good driver, multi-car discounts, and bundling insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. National presence with coverage in all 50 states
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Buyers can bundle with homeowners, renters, and other insurance products
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Offers some of the most competitive auto insurance rates
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Claims adjusters may be able to reduce or eliminate deductibles on some claims
• con icon Two crossed lines that form an 'X'. Customer satisfaction varies across products
• con icon Two crossed lines that form an 'X'. Claims process may be longer than some competitors based on customer reviews

GEICO offers auto, homeowners, and life insurance. It's been around since 1936 and generally offers some of the lowest rates. However, customer satisfaction may be an issue.

• Discounts for safe driving, good grades, military, and more
• Available in all 50 states

If you want competitive and affordable car insurance rates, look no further than GEICO . According to the company website, you could save up to $500 by switching to GEICO. Customers can confirm the pricing in minutes with online quotes. With 85 years in the industry, GEICO offers affordable premiums and can be a good fit for those with poor credit.

To keep prices low, GEICO also offers numerous discounts to drivers, including discounts for safety devices like anti-lock brakes, seat belt use, defensive driving courses, and being a good student. In addition, policies can be managed online or via GEICO's app with 24/7 access to all policy documents.

The reviews we saw indicated GEICO's claims team was similarly quick, with a few mentions of adjusters who took additional steps to minimize or eliminate policyholders' out-of-pocket costs in a claim. From what we've gathered, rate hikes after an accident seem small compared to many other discount car insurance companies.

Read our GEICO Auto Insurance review here.

Best for military: USAA

Offers numerous discounts and get up to 30% off

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low rates for eligible buyers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage is available in all 50 states and Washington, DC
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Auto policies can be bundled with other insurance plans and financial products
• con icon Two crossed lines that form an 'X'. Only available to military, veterans, and their families.
• con icon Two crossed lines that form an 'X'. Claims may take longer than with some other providers

USAA Auto Insurance could be a great option if you're a current or former military member; no one else is eligible. Coverage is available in all 50 states, and premiums are generally affordable.

• USAA auto insurance is open to the military, veterans, and their families
• Discounts for safe driving and more

USAA offers financial products and services to the military community, including competitive auto insurance. Though USAA products aren't available to everyone, those eligible won't find cheaper coverage elsewhere. Drivers who switched to USAA could save an average of $725 per year, according to USAA's website.

USAA offers standard car insurance options like liability, collision, comprehensive coverage, and uninsured and underinsured coverage. Optional coverage includes roadside assistance and rental reimbursement. USAA also sells home, pet, and life insurance, to name a few. So bundling insurance products is extremely common for military members and their families.

USAA also has plenty of discounts that only make sense for military members. For example, you could get up to a 15% discount when your vehicle is parked in a garage on base. You can also qualify for savings if you store your car or drive infrequently (which may apply to active duty military members being deployed).

Bundling home and auto insurance coverage with USAA gives policyholders a 10% discount. Setting up automatic payments for your car insurance premiums can reduce premiums by an additional 3%. If you insure two cars or more or your teen driver has good grades, you may be eligible for other discounts. USAA also has an app and offers 24/7 support online. USAA is unique in that whether you have a strong driving record or tickets and DUIs, USAA will still beat the nearest competitor's quote.

Read our USAA Car Insurance review here.

Best for teen drivers: State Farm

Offers many discounts, including good student discounts for high school and college students

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Nationwide presence
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High customer satisfaction and claims satisfaction rankings
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discounts for bundling insurance products
• con icon Two crossed lines that form an 'X'. Quotes are only available through captive agents (who only quote State Farm)
• con icon Two crossed lines that form an 'X'. Pricing may be higher or products unavailable for high-risk drivers
• con icon Two crossed lines that form an 'X'. Rates may rise quickly for households with teen drivers

State Farm auto insurance offers coverage across all 50 states and Washington, DC. It has comprehensive, collision, and liability coverage along with less common options like rideshare coverage.

Given the increased risk factors, car insurance for teen drivers can be costly. Teen drivers don't have the same levels of experience behind the wheel and may engage in risky driving behaviors. In fact, car crashes are the top cause of teen deaths, according to the Centers for Disease Control and Prevention (CDC) .

Experts recommend adding any licensed driver in your home as soon as you know they'll drive your car regularly. State Farm has excellent options for teen drivers. It offers a Good Student Discount of up to 25%. Also, you could get another discount if your teen driver is under 21 and takes a qualifying driver's ed course. There's also a unique option to save if your teen driver has a car at home but moved away for school through the Student Away at School Discount.

The Steer Clear discount offers young drivers below 25 up to a 15% discount with no at-fault accidents or moving violations in the previous three years. In addition, if you're willing to use State Farm's Drive Safe & Save app, you may qualify for up to a 30% discount.

Along with its liability, collision, and comprehensive coverage, State Farm offers emergency roadside service, rideshare coverage, and other auto coverages. You can work with one of its many insurance agents nationwide to find the best coverage for you and your teen driver.

Read our State Farm Auto Insurance review here.

Best for discounts: Farmers Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Diverse coverage options for qualified buyers
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Wide array of discounts and bundling options
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Available in all 50 states and Washington, DC
• con icon Two crossed lines that form an 'X'. Prices may not be competitive against many budget auto insurance companies
• con icon Two crossed lines that form an 'X'. Online quoting may not be as easy as some competitors

Farmers Insurance is a full-service insurer offering home, life, business, and auto insurance with a long list of discounts compared to other insurance providers. Farmers offers up to 23 discounts when many other providers provide fewer than 12.

Policyholders paying premiums in full, senior drivers taking safe driving training, California drivers driving hybrids or electric vehicles, homeowners, good students, and young drivers are just a few groups enjoying discounts on auto insurance with Farmers. You also stand to save up to 20% by bundling plans or qualify for another discount insuring multiple vehicles.

Along with liability, collision, and comprehensive, Farmers offers umbrella policies to boost coverage on multiple plans (if you're bundling). All plans can be managed through the Farmers app.

Read our Farmers Auto Insurance review here.

Best for teachers: Liberty Mutual Insurance

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Quotes can be obtained online or through a Liberty Mutual or broker agent
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Bundling discounts are available for interested buyers
• con icon Two crossed lines that form an 'X'. Discounts for young drivers may require more paperwork
• con icon Two crossed lines that form an 'X'. Rates may not be competitive for higher risk drivers
• Get up to 30% in savings with the RightTrack program
• Military members receive a discount
• Specialized coverage for teachers
• Required coverage for vehicles traveling to Mexico

Many teachers enjoy lower prices, more perks, and greater customer satisfaction with Liberty Mutual car insurance. The company has coverage for teachers, though some plans are unavailable in some states.

Perks include a $0 deductible on collision coverage if you get into an accident during school hours or while working (ex: a coach driving to another school for an after-school sports game). Teachers also enjoy up to $2,500 in personal property coverage if teaching items or school-owned items are damaged or stolen. In addition, Liberty Mutual automatically applies a $0 deductible when qualifying cars are vandalized on school property or when driving on school-specific business.

Through Liberty Insurance, you can get typical collision or comprehensive coverage. It also offers optional coverages like original parts replacement coverage, gap coverage, 24-hour roadside assistance coverage, rental car reimbursement coverage, and more.

Unlike competitors, Liberty Mutual also has a Liberty Mutual Deductible Fund®. You pay $30 toward the deductible fund each year, and Liberty Mutual drops your deductible by $100. If you file a claim, the fund can lower out-of-pocket costs. You can download the company's app to check in with your policy or file a claim.

Read our Liberty Mutual Car Insurance review here.

Best for accident forgiveness: Progressive

Offers personalized rate based on driving

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Coverage available in all 50 states
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Discounts for bundling insurance products with competitive rates
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Highly rated with JD Power and AM Best
• con icon Two crossed lines that form an 'X'. Rates may jump significantly after your first accident or for higher risk drivers
• con icon Two crossed lines that form an 'X'. Mixed reviews on claims and customer service on sites like Consumer Affairs and TrustPilot

A highly ranked and long-standing insurance company, Progressive offers auto, home, motorcycle, and other insurance across the United States.

• Ranked #17 out of 18 in auto claims satisfaction
• Bundling, vehicle safety, and student driver discounts
• Name your price tool

Accidents happen, and the best car insurance companies can help. But rates inevitably rise after even a minor accident. Progressive notably offers accident forgiveness to qualifying drivers. Its three types of accident forgiveness coverage include the following:

• Small Accident Forgiveness. This option is available to new Progressive customers in most states through the Loyalty Rewards program and won't increase your premiums if your claim is at or below $500. This said, it's worth noting that when deciding whether to file a claim, you should always consider your deductible and how much your insurance will pay.
• Large Accident Forgiveness. Customers in most states may qualify for this option through the Loyalty Rewards program. Drivers eligible for Large Accident Forgiveness won't see increased rates even if claims exceed $500. You must be a Progressive customer for five consecutive years with no accident or moving violations within that time frame.
• Progressive Accident Forgiveness. You may qualify to have one accident forgiven in a specific period, but you can buy additional accident forgiveness through this program. In a sense, you are prepaying to keep your rates consistent if you're involved in an accident. Check if your state qualifies, as it's not available everywhere.

You can obtain liability, collision, and comprehensive coverage through Progressive. Interestingly, Progressive specifies if your pet is injured and you have collision coverage, your policy will cover some vet expenses.

It also offers gap coverage, rental car reimbursement coverage, custom parts and equipment value, rideshare coverage, and roadside assistance. Progressive also has a Name Your Price option that allows you to state your desired price, and the website will show what's available. You can also use their mobile app or contact Progressive agents for support.

Read our Progressive Car Insurance review here.

Best Car Insurance Frequently Asked Questions

State Farm is highly ranked in many JD Power surveys and maintains the highest market share of any auto insurance company in the United States. The company is known for exclusive insurance quoted only by State Farm agents. However, it is outperformed in some areas by smaller regional carriers. Some insurers are even limited to just one state, like 21st Century auto insurance , which only serves California.

JD Power's latest auto claims satisfaction study shows Amica Mutual earned the top spot. In JD Power's auto insurance study, regions were won primarily by smaller local carriers like Wawanesa in California and Erie Insurance in the mid-Atlantic. The best car insurance company may also vary based on the coverage you want.

The average cost of car insurance will vary depending on your location and other factors. Many auto insurance companies offer discounts for safe driving, especially if you're willing to install an app to track certain driving behaviors. Paying your premium in full instead of month-by-month also reduces rates. One of the best ways to reduce costs is by getting multiple quotes to compare quotes. 

The easiest way to compare quotes is by working with a licensed independent insurance agent. They can run quotes, compare prices and coverage so you know you're getting the best value. Some customers also prefer to go online. Companies like GEICO, Progressive, and Lemonade offer online-only quotes to give consumers back control.

For car insurance market share, State Farm's biggest competitor is GEICO. According to data from the National Association of Insurance Commissioners (NAIC), State Farm has 16.84% of the U.S. auto insurance market share, the highest of any insurer. Next up on the list is GEICO, with 14.05% market share. Both insurers are available throughout the U.S.

Why You Should Trust Us: How We Chose the Best Car Insurance Companies

To determine the best auto insurance companies, we compare numerous factors included in our insurance rating methodology . These include affordability, customer satisfaction, coverage options, optional coverage, benefits for policyholders, financial strength, and accessibility. No single factor accounts for everything consumers need; not all auto insurance companies are created the same.

We compared quotes, customer reviews, financial stability, and the company's history. With all these factors combined, we rate numerous competitors to see which companies rise to the top. 

Auto insurance, in particular, is primarily run on a state and regional basis. In short, most auto insurance providers are only licensed in some states. As such, the best car insurance companies for a driver in New York may differ from the best option for similar drivers in California.

We use numerous sources to get an objective view of each provider. Our reviews are not sponsored by the companies being reviewed. Each review reflects our opinion based solely on the facts gathered. Reviews may be updated as facts change (for example, JD Power rankings are updated when new reports are released). However, requests from insurers that conflict with public-facing websites are not factored into our reviews.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

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Amica Life Insurance Review 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

on Nerdwallet

Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

• Offers online quotes for term life insurance.
• Policies available nationwide.
• Lack of rider options.
• Low coverage amounts for whole life.

In our life insurance reviews, our editorial team considers the customer and the insurer. These are some of the factors we take into account:

Policies offered. There are many types of life insurance on the market, and they fall into three key categories:

Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.

Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.

No-exam life insurance issues coverage without the need for a medical exam.

Financial strength. We use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:

Exceptional: A+, A++.

Strong: A-, A.

Moderate: B, B+.

Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.

Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.

Dive deeper: Ratings methodology for life insurance

Headquartered in Lincoln, Rhode Island, Amica sells term and whole life insurance nationwide. The company has a good reputation with customers, though you can’t apply for coverage online in all states.

» MORE: Compare life insurance quotes

Amica life insurance

Amics earned 4.5 stars out of 5 for overall performance. NerdWallet’s ratings are determined by our editorial team. The scoring formula takes into account consumer experience, complaint data from the National Association of Insurance Commissioners and financial strength ratings.

» MORE: Best life insurance companies

Amica life insurance policies

Term life insurance. Amica’s Level Term policy provides coverage lasting 10, 15, 20, 25 or 30 years. The company issues term life insurance policies worth $100,000 to $5 million to people ages 18 to 75. You’ll need to fill out a health and lifestyle questionnaire, and some applicants might be able to skip the medical exam based on their answers and coverage amount.

The policy can be converted to permanent life insurance before a deadline.

Whole life insurance. Amica’s whole life insurance policies offer coverage ranging from $25,000 to $1 million or more. You can opt to pay off your policy in 20 years, or spread your payments out until you reach age 65 or 100.

Additional policy features

In many states, Amica includes an accelerated death benefit rider with term and whole life policies for no extra charge. The rider activates if you’re diagnosed with a terminal illness.

You can also file a claim to waive your premiums if you experience a disability that prevents you from working.

» MORE: Life insurance riders

Amica customer complaints and satisfaction

Over three years, Amica has drawn fewer than the expected number of complaints to state regulators for a company of its size, according to a NerdWallet analysis of data from the National Association of Insurance Commissioners.

More about Amica

You can get a term life insurance quote online in all states except Hawaii, and apply for coverage online in all states except Hawaii and New York. To get a quote or apply for whole life insurance, you’ll need to speak to an agent.

Beneficiaries can file a life insurance claim over the phone or online, and Amica offers access to Empathy, an app to help people navigate through loss and grief.

» MORE: Life insurance policies and quotes

Life insurance aside, Amica offers other types of coverage. Check out NerdWallet’s reviews to learn more:

Amica auto insurance review. 

Amica home insurance review .

Amica renters insurance review .

How to contact Amica

Amica’s life insurance department can be reached by:

Phone: Call 800-234-5433 on weekdays from 8 a.m. to 7 p.m. ET.

Email: Fill out a form on Amica’s contact page.

Live chat: Available on weekdays from 6 a.m. to midnight ET and weekends from 7 a.m. to midnight ET.

Life insurance buying guide

Before you start comparing companies, choose the type of life insurance you want, such as term or whole life. Decide which life insurance riders , if any, you want the policy to include. Calculate how much life insurance you need and how long you want the coverage to last. Check that the insurers you’re considering offer the coverage you’re looking for.

When comparing rates, be sure the quotes are for the same amount of coverage over the same period of time. It’s also important to make sure the policy’s medical requirements match your needs. For example, if you want to skip the life insurance medical exam but don’t mind answering health questions, confirm that the application process for each policy you're comparing aligns with that.

Price may not be the biggest driver behind your decision to buy. Look at the number of consumer complaints each company receives, as high numbers can be a red flag about the quality of service.

For more guidance, see our life insurance buying guide .

Life insurance ratings methodology

NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, we consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale.

These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our editorial guidelines .

Insurer complaints methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

On a similar note...

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