Is Amica Auto Insurance Good for New York Drivers?

Last Updated on October 4, 2026 by James Shaffer

Amica Mutual Insurance Company sells car insurance in New York with the required state coverages plus optional protection such as collision, comprehensive, rental reimbursement, roadside assistance, gap-related coverage, and glass coverage. It also offers several discounts and multiple levels of auto coverage.

Amica has been in business since 1907 and is the oldest mutual automobile insurer in the United States. Before choosing Amica or any other insurer, however, New York drivers should compare actual quotes, coverage limits, deductibles, and optional endorsements rather than assuming one company will be cheapest for every driver.

About Amica Mutual Insurance Company

Amica Mutual Insurance Company was founded in 1907 and is headquartered in Lincoln, Rhode Island. According to Amica’s company history, it is the oldest mutual insurer of automobiles in the United States.

Amica is a direct writer of personal insurance rather than an insurer that primarily distributes policies through independent agents. Its products include auto, homeowners, umbrella, marine, and other personal insurance. Life insurance is offered through Amica Life Insurance Company.

Amica also currently markets auto insurance nationwide, including in New York and Hawaii. That makes older descriptions of Amica as unavailable in Hawaii obsolete.

Amica Overview	Details
Founded	1907
Headquarters	Lincoln, Rhode Island
New York Auto Insurance	Available
AM Best Financial Strength Rating	A+ (Superior), stable outlook
Claims Reporting	Online, mobile app, or by phone
Quote Options	Online or by phone

Amica Car Insurance Coverage in New York

Amica offers the core types of protection New York drivers need, but it is important to distinguish between coverage required by law and optional coverage.

According to the New York State Department of Financial Services, a New York auto policy must include liability insurance, basic no-fault or Personal Injury Protection (PIP), and uninsured motorist bodily injury coverage. These requirements are explained in more detail in our guide to New York car insurance laws and requirements.

New York’s minimum liability limits include $25,000 for bodily injury to one person, $50,000 for bodily injury to two or more people, and $10,000 for property damage. Basic PIP provides up to $50,000 per person in no-fault benefits, and mandatory uninsured motorist bodily injury coverage applies at the required minimum limits for qualifying New York accidents.

Amica’s New York coverage page also advertises optional protection including:

• Collision coverage for covered collision damage to your own vehicle
• Comprehensive coverage for covered non-collision losses such as theft, falling objects, and certain weather-related damage
• Rental reimbursement for eligible transportation expenses while a covered vehicle is being repaired
• Towing and labor coverage for eligible roadside emergencies
• Auto loan/lease protection that can help with the gap between a totaled vehicle’s covered value and an eligible loan or lease balance
• Optional glass protection

New York also requires certain uninsured motorist protection, while supplementary uninsured/underinsured motorist coverage may be available for broader protection. Similarly, basic Personal Injury Protection is mandatory rather than optional in New York.

Amica’s Current Auto Coverage Packages

Amica’s current product materials include a tiered program called YourPlan, with Essential, Advantage, and Signature levels. Availability and exact features can vary by state and policy, so New York drivers should confirm which options appear on their individual quote.

Among the features Amica currently advertises are a Quality Parts Guarantee on eligible Advantage and Signature policies and accident forgiveness on eligible Signature policies.

The Quality Parts Guarantee bases covered repair estimates on new original equipment manufacturer parts when they are still manufactured and readily available. Accident forgiveness can prevent the first qualifying chargeable accident from affecting the policy’s surcharge history when the policy and driver satisfy Amica’s eligibility requirements.

Drivers comparing features such as accident forgiveness or diminishing deductibles should check the current policy rather than relying on older descriptions of Amica’s Good Driving Rewards program. Amica’s current public auto materials emphasize its newer coverage tiers and do not describe the old rewards program in the same way.

What Is Platinum Choice Auto?

Amica also continues to advertise a Platinum Choice Auto package. Its current public materials state that features can vary by state and that some individual coverages may also be added separately.

Currently advertised Platinum Choice features include:

• Full Glass Coverage: Covered auto-glass losses without an out-of-pocket deductible, subject to state and policy terms
• Identity Fraud Monitoring: Monitoring and assistance intended to help identify and respond to certain identity-fraud activity
• Prestige Rental Coverage: Up to $5,000 toward an eligible rental following a covered accident, with no daily limit under Amica’s current general description

Amica’s rental options may therefore provide more protection than a basic reimbursement endorsement, but limits and availability should be confirmed for a New York policy. Learn more about how rental car coverage works before choosing a limit.

Older descriptions of Amica policies also referenced benefits such as free lock replacement for lost or stolen keys, bail bonds, wage reimbursement, and free airbag replacement. These benefits are not prominently described in Amica’s current public New York auto materials, so they should not be assumed to apply to a new policy without confirmation in the policy documents.

Amica Car Insurance Discounts

Amica offers several discounts, although availability and savings can vary by state and policy. Its current New York materials advertise discounts for young drivers, safe driving, vehicle equipment, payment choices, and bundling.

Examples include:

• Accident-free: Amica advertises a discount for drivers who have been claim-free for the previous three years, subject to eligibility requirements.
• Defensive driver training: Eligible drivers who complete an approved course may qualify for savings.
• Good student: Amica advertises a discount for qualifying full-time high school or college students ages 15 through 25 who maintain at least a B average.
• Young driver training: Drivers under 21 who complete an accredited driver-training program may qualify.
• Anti-theft equipment: Certain anti-theft systems may earn a discount.
• Passive restraints: Equipment such as airbags may qualify for a discount.
• AutoPay: Automatic electronic payments may reduce the premium.
• Paperless: Customers who receive policy documents and bills electronically may qualify.
• Paid in full: Paying the policy premium in full can qualify for savings.
• Multiline: Amica advertises savings of up to 30% when qualifying policies are bundled, although actual savings and availability vary.

Amica’s broader discount program also advertises a legacy discount for certain drivers under age 30 whose parents have maintained an Amica auto policy for at least five consecutive years. Because discounts can vary by state, New York customers should verify eligibility when requesting a quote.

These discounts can be especially relevant when shopping for car insurance for a young driver. However, no insurer should be assumed to offer the lowest rate for young drivers without comparing actual quotes.

Other common opportunities include a safe-driver discount, bundling auto insurance with other policies, and discounts for vehicle safety features.

How Much Does Amica Car Insurance Cost in New York?

There is no single Amica rate that accurately represents what a New York driver will pay. Premiums depend on a combination of rating factors and coverage choices, and two drivers can receive very different quotes from the same insurer.

Factors can include your location, vehicle, coverage limits, deductibles, annual driving patterns, household drivers, prior claims, and driving record, subject to New York insurance rules.

The older claim that Amica is consistently cheaper than major national insurers for virtually every type of driver is too broad to support. The practical way to evaluate Amica’s price is to obtain a quote with the same coverage limits and deductibles you use when comparing other companies.

Amica’s Complaint Record in New York

New York’s Department of Financial Services ranks auto insurers every year by upheld complaints per $1 million of premiums. A complaint is upheld when DFS agrees the insurer handled something wrong, such as a late no-fault payment or an improper nonrenewal. The 2025 report covers complaints closed in 2024 and ranks 128 companies. Across all of them combined, the ratio was 0.0341.

Company	Rank (of 128)	Upheld Complaints	Complaint Ratio
Amica Property and Casualty Insurance Company	29	0	0.0000
Amica Mutual Insurance Company	78	4	0.0433

Taken together, the two Amica companies had 4 upheld complaints on about $97 million of yearly New York auto premiums, a combined ratio of 0.0411. That’s worse than the 0.0341 figure for the whole market. In the previous report (complaints closed in 2023), the same companies had 2 upheld complaints and a ratio of 0.0232, against 0.0275 for all insurers that year.

Those premiums add up to 0.53% of the private passenger auto premiums counted in the DFS report. That share is our own calculation from the DFS figures, not an official market share number, but it gives a rough sense of how much of the New York market Amica insures.

DFS points out that the ranking counts only complaints filed with the department, and that one or two extra upheld complaints can move a smaller insurer a long way. Use it alongside price, coverage and claims service, and match it to the company named on your quote or declarations page.

Amica Financial Strength

Financial strength ratings provide one indication of an insurer’s ability to meet ongoing insurance obligations. They are not a guarantee that a particular claim will be paid, but they can be useful when evaluating an insurance company.

AM Best affirmed Amica Mutual Insurance Company’s A+ (Superior) Financial Strength Rating on March 13, 2026, with a stable outlook. AM Best also assigns Amica a long-term issuer credit rating of aa- (Superior).

The A+ rating remains a strong result on AM Best’s rating scale and supports Amica’s reputation for financial stability.

Amica Customer Service and Digital Tools

Amica provides several ways to manage a policy and claim. Customers can use its website or mobile app to access policy information, make payments, view insurance ID cards, report and track claims, and access roadside assistance.

Auto claims can currently be reported online, through the Amica mobile app, through Amica’s virtual assistant, or by phone. Amica states that representatives for auto, home, marine, and umbrella claims are available 24/7.

Amica also performed strongly in the J.D. Power 2026 U.S. Insurance Digital Experience Study, ranking highest in the service segment with a score of 730. The study was based on 11,553 evaluations and focused specifically on insurers’ websites and mobile apps, so the result should be understood as a measure of digital experience rather than a blanket rating of every aspect of claims or customer service.

If you need to make a claim, our guide to filing an auto insurance claim after an accident explains the general steps to take.

Potential Advantages of Amica Car Insurance

Depending on your needs and quote, some reasons to consider Amica include:

• A+ (Superior) financial strength rating from AM Best
• Online and mobile policy management
• 24/7 auto claims reporting
• Multiple auto coverage tiers and optional features
• Accident forgiveness on qualifying Signature policies
• OEM-parts protection through the Quality Parts Guarantee on eligible Advantage and Signature policies
• A broad selection of discounts
• Potential multiline savings for households that also need home, renters, umbrella, or other coverage

Things to Check Before Choosing Amica

Amica will not necessarily be the best fit for every New York driver. Before buying a policy, check the details that matter to your situation rather than relying on a general company review.

• Compare the actual premium: Amica may be competitive for some drivers and more expensive for others.
• Confirm package availability: YourPlan, Platinum Choice features, endorsements, and discounts can vary by state and policy.
• Review specialty-use coverage: If you drive for Uber, Lyft, or another transportation platform, do not assume a personal auto policy covers every stage of rideshare activity. Review New York’s insurance requirements for rideshare drivers and ask Amica how your specific use is handled.
• Compare deductibles and limits: A cheaper quote may simply contain higher deductibles or lower optional coverage.
• Read the policy documents: Amica’s website provides general descriptions, but the declarations page, endorsements, and policy contract determine the coverage that actually applies.

How to Decide Whether Amica Fits Your Needs

Amica is an established insurer with a strong current financial strength rating, multiple New York auto coverage options, several discounts, and well-developed digital servicing tools. Those characteristics make it reasonable to include Amica when collecting quotes.

That does not mean Amica will automatically provide the lowest premium or best coverage for your particular household. Compare quotes from several insurers using the same liability limits, physical damage deductibles, optional coverages, and drivers. Then compare features that matter to you, such as OEM-parts coverage, roadside assistance, rental reimbursement, accident forgiveness, and bundling discounts.

FAQs on Amica Car Insurance in New York