How to Cancel Your Amica Car Insurance Policy in 5 Easy Steps

You can cancel your Amica Mutual car insurance policy anytime by phone. You can also cancel it for any reason, like moving to a state outside of Amica’s service network or finding a cheaper rate with another insurance company.

Understanding the steps to cancel Amica car insurance before you call can make the process faster and easier. This guide breaks down the steps to take before canceling, how to cancel Amica insurance, and alternatives to consider first.

5 Steps to Cancel Your Amica Car Insurance Policy

The only option Amica lists on its website to cancel car insurance is to call its customer service department. Taking the following steps can help make the cancellation process easier and faster.

1. Review your current policy

It’s important to review your policy documents before canceling your Amica car insurance policy. Take note of your policy number, expiration date, and desired cancellation date. Review your insurance coverage and verify that your coverage limits, deductibles, and vehicle information, like annual mileage, are accurate.

Familiarize yourself with Amica’s cancellation requirements and any documentation you may need, such as a cancellation letter. Make sure you know your policy end date, which may not be the same as your cancellation date. If you cancel your insurance policy midterm — before your renewal date — you may have to pay a cancellation fee.

2. Understand what you need from your next policy

Considering your time with Amica, reflect on why you’re canceling your car insurance policy. Maybe you had a bad claims experience, or your insurance premium increased after adding a new driver or car to your policy.

Identifying why you’re switching to another insurance company can ensure your next policy and insurer meet your specific needs.

For example, you may no longer need gap insurance if your vehicle’s value is less than what you owe on your auto loan. Or you might have an older car with cheap liability-only coverage, but you’re ready to buy a new car, and you’ll need the additional coverage a full-coverage policy provides.

After identifying your personal needs, make sure your next policy meets your lender’s and state’s minimum coverage requirements. If you’re unsure what requirements or coverage you need, it’s a good idea to work with an insurance agent to help you get the right amount.

3. Compare quotes and purchase your new policy

Make sure your new insurance policy is in place and active before you cancel your Amica car insurance. Matching your new policy’s effective date with your current policy’s cancellation date can prevent a coverage gap.

Compare car insurance quotes from multiple companies to find the best insurance coverage for the cheapest price. When comparing policies, make sure the coverage limits and deductibles match to get the most accurate pricing.

The best and easiest way to compare multiple quotes is to use a car insurance comparison site. Instead of entering your information on each insurance company’s website, you only need to provide it once.

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4. Contact Amica customer service

Contact Amica customer service at 1 (800) 242-6422 to cancel your car insurance policy. Once you connect with an Amica customer service representative, you’ll need to inform them you’re canceling your policy. The rep will ask for your policy number and cancellation date. They may also ask for other information, like why you’re canceling.

Ask questions like whether the company owes you a refund and if you have to sign a cancellation letter or pay a cancellation fee.

5. Confirm your cancellation and get your refund

Amica’s website doesn’t clearly state how long the cancellation process takes, so clarify the process and timeline with the representative you speak to. Confirm the cancellation date and ask how you’ll receive confirmation of the policy cancellation. Follow up to make sure you receive confirmation and the date is correct.

If the company owes you a refund — this is common when you prepay your insurance premiums — ask how long it should take to receive it and how you’ll receive it. If you have automatic payments set up, log in to your Amica account and go to the billing section to cancel auto pay.

Ways to Cancel Your Amica Auto Insurance Policy

For the vast majority of people, canceling Amica insurance by phone is the only option. But you may be able to cancel in person if you have a local Amica agent to assist in the cancellation process.

Here are details on how to cancel Amica car insurance.

By phone

The phone number to cancel Amica insurance is 1 (800) 242-6422. You can contact customer service Monday through Friday, between 6 a.m. and 1 a.m. Eastern time, and on weekends from 7 a.m. to midnight Eastern.

In person

You can also cancel your policy in person if an Amica office is nearby. Use the Amica office locator to find the closest office. Hours and cancellation processes may vary by agency office.

When to Cancel Your Car Insurance Policy

Any time is a good time to cancel your car insurance policy, as long as it’s the best choice for you. Although you won’t pay a cancellation fee with most companies, some may charge a fee, including National General, Mercury, and The General.

If the insurance company you’re switching from charges a cancellation fee, add the amount to the cost of your new policy. You can then compare the combined cost to your current policy cost to ensure canceling is still worth it — if you’re canceling because your policy is too expensive.

Other reasons canceling may make sense include:

• Your insurance company provides poor customer service.

• You’re moving to a state where your insurance company doesn’t provide coverage.

• You need insurance coverage your current company doesn’t offer, like roadside assistance, gap insurance, or new car replacement.

What to Consider Before Canceling Your Amica Auto Insurance Policy

Consider the following before canceling your Amica car insurance:

• Shop for a new policy first. Get a new policy before you cancel your Amica auto insurance to prevent a lapse in coverage.

• Watch your policy dates when switching insurers. Make sure the cancellation date is the same date your new policy takes effect, or later, so you don’t have coverage gaps. You could face fines — as well as higher rates in the future — if you drive without insurance.

• Ask about a cancellation fee. Amica may charge a cancellation fee if you cancel your policy midterm. If you have to pay a fee, it may be worth waiting until your current policy expires.

• Prepare to lose valuable discounts. If you bundle your home and auto insurance with Amica, you could lose your multi-policy discount if you cancel your car insurance and keep your homeowners insurance with Amica.

Amica Car Insurance Premiums vs. the Competition

Car insurance premiums can vary widely by insurance company, making it worth comparing quotes when buying a new insurance policy. The table below shows Amica’s average rates compared to a few of its closest competitors, according to Compare.com data.

Amica’s rates are 57% higher than the industry average, so you may be able to find a cheaper insurance policy elsewhere. GEICO and State Farm, for instance, have average rates 59% cheaper than Amica.

But the best way to find which company has the cheapest rates for you is to compare personalized quotes.

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Canceling Amica Insurance FAQs

Sources

1. Insurance Information Institute, “Why did my auto insurance costs go up even when I didn’t file a claim?,” accessed January 7, 2025.