17+ years in insurance and personal finance writing
In-depth knowledge of home and real estate topics
Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Amica Mutual Insurance allows all customers to cancel their policy at will, for any reason. But you could face a cancellation fee of up to $29, depending on when your policy started.[1]
Here’s what you should know about canceling your Amica coverage and comparing quotes to get a new policy in place.
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Amica cancellation policy
The Amica website offers little information about its cancellation process. Drivers who want to cancel an Amica auto insurance policy should call the customer service phone number at 1 (800) 242-6422.
Amica has a virtual assistant chatbot on its customer service page. If you ask for information about canceling, the chatbot sends you a link discussing ways to save by staying with the company or providing you with the same telephone number listed above.
If you have any questions about your policy or renewal date, talk to your insurance agent.
Step 1: Look up your renewal date
Customers who want to cancel their Amica insurance policy must know their renewal date. Since Amica charges a fee for canceling coverage mid-cycle, you can save money by terminating your car insurance as close to your renewal date as possible.
You can find your renewal date on your insurance documents or your customer profile on the Amica website. You should also have new coverage ready to avoid a gap in coverage. Allowing your auto insurance to lapse could mean fines from your local government and a lack of protection if you’re involved in an incident between policies.
Step 2: Compare car insurance quotes
Before you cancel your Amica car insurance, compare rates from multiple car insurance companies to find the best new policy for your specific needs. Rates can vary widely between insurers depending on their payment structure, discount options, and the state where you’re purchasing a policy. Insurers consider your age, driving history, location, and credit history when setting your rates.[2]
If you’re looking at new insurance policies to save money, you can do a few things to help lower your premium costs.
First, consider bundling multiple insurance products like life insurance, auto insurance, and home insurance. Bundling makes paying your bills more convenient, and many companies offer multi-policy discounts. Second, see if you qualify for other discounts, such as those for having safety features in your car, making good grades, or taking a defensive driving course.
You may also be able to save money with different payment options, like auto pay or paying your premium once per year instead of every month.
Step 3: Secure a new car insurance policy
Once you’ve compared rates from multiple insurance companies, choose the best fit for your needs. Your new insurance agent will help ensure you have all the necessary information and documentation on file to begin coverage.
When securing your new policy, you must provide personal and vehicle information. You should be able to provide the following information to your new insurance company:
Desired effective date of new policy
Date of birth
Vehicle identification number (VIN)
Payment info, such as your credit card number
Important Information
Having a new policy in place before you cancel your Amica insurance is essential. You won’t have any financial protection if you’re involved in an accident after your policy lapses. States may charge a penalty if you’re caught driving without insurance coverage. Fees and penalties vary by state.
In addition, you may pay higher premiums if you allow your policy to lapse because your new insurance company will view you as a higher risk to insure.
Step 4: Cancel your Amica policy
Once you have your new policy, you’ll need to contact Amica to cancel your current auto policy. The Amica website doesn’t offer an online cancellation option. You’ll need to contact a customer service representative at 1 (800) 242-6422 or a local agent.
If you’re canceling your policy in the middle of your coverage term, you may have to pay an early termination fee of up to $29. You can save money by tracking when your policy is due to renew and cancel right before your renewal date.
Step 5: Follow up on your refund
In some circumstances, you may qualify for a refund from Amica. If you pay your insurance premiums up front and cancel before your coverage expires, Amica will return a portion of your premium amount minus any cancellation fees.
Ask your insurance representative about any refunds when canceling your policy. If you haven’t received any updates within 30 days of canceling your policy, call back to ask about the status of any refund.
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How Amica quotes stack up vs. competitors
Amica is typically more expensive than its competitors, sometimes by more than $200 monthly. The company has high rankings from most third-party rating services (except the Better Business Bureau), but its discount options are limited. Drivers with incidents on their record will also pay higher rates for an Amica policy.
Here’s a look at how Amica compares to some of its competitors so you can find the best option for your car insurance.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Canceling Amica insurance FAQs
Drivers in the U.S. can cancel their insurance policies at any time.[3] But you should always have new coverage before canceling a current policy to ensure continuous protection.
Does Amica charge a cancellation fee?
Yes. Amica charges a cancellation fee of up to $29 to customers who cancel their policy before the end of their coverage term. You can avoid this cancellation fee by ending your policy close to your renewal date.
Can you cancel your Amica policy at any time?
Yes. Legally, all drivers in the U.S. can cancel their auto insurance at any time. But drivers who allow their policy to lapse without purchasing a new policy may face fines and penalties for driving without insurance coverage.
How can you confirm your Amica insurance policy is canceled?
The simplest way to confirm that the cancellation of your Amica insurance policy is complete is to contact customer support. You should also receive a cancellation notice by email or mail confirming your cancellation.
Does Amica have a grace period for non-payment?
Yes. Amica allows drivers up to 10 days past their due date before it considers the bill delinquent. The total owed will roll over to your next monthly payment.
Amica may cancel your policy if you don’t pay your premium within 30 days of the due date.
How do you cancel car insurance online?
Amica doesn’t allow you to cancel your car insurance through your online account. You must contact customer service or an agent to cancel your auto insurance policy.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Angela Brown is a freelance writer with 17 years of professional writing and editing experience. She specializes in finance, real estate, and insurance content. Angela uses her experience to create easy-to-understand content that helps consumers understand tough topics better. When she’s not working, she enjoys spending time with her family and planning vacations.
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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