Amica Auto Insurance in New York
Amica Mutual is the oldest mutual auto insurer in the U.S. (founded 1907). Writes in all 50 states + D.C., exclusively through direct channels and licensed agents. Annual dividends paid to policyholders historically average 5-20% of premium — effectively reducing the net cost. Here's what Amica typically costs in New York for 2026 — plus the 3 cheaper alternatives most New York drivers overlook.
Estimated annual premium
$1,725
Estimated monthly
$144
New York state avg
$2,100
vs New York avg
-18%
Why drivers pick Amica
Second-highest J.D. Power customer-satisfaction score in the industry (877, behind only USAA's 890) AND the lowest NAIC complaint ratio of the 14 matrix carriers. Mutual structure means dividends offset premium.
Where Amica falls short
Initial quotes are 10-20% above peer market for similar drivers. The dividend offsets some of that gap, but you'll wait 12+ months for the first dividend. Not the cheapest entry-price.
New York minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $10K
- No-Fault State: Personal Injury Protection (PIP) coverage required
No-fault state with $50k PIP minimum. NYC metro pays 60%+ more than upstate.
Cheaper alternatives to Amica in New York
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Amica for a comparable driver profile in New York. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Amica discounts available to New York drivers
Amica New York rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Amica New York estimate for each class:
Amica New York rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Amica New York estimate for each profile:
Frequently asked questions
Frequently asked questions
Methodology: Estimated annual premium is computed as Amica's national average ($1,480) multiplied by New York's state-vs-national premium index ($2,100 ÷ national average $1,789 ≈ 1.17x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Amica J.D. Power score: 877/1000. A.M. Best rating: A+ (2024).