Car

CONS

• • Extremely limited geographic footprint — auto coverage available only in New Jersey, Pennsylvania, Connecticut, Maryland, and Ohio (and not in most of the country)
• • No nationwide mobile app ecosystem or telematics-based usage program comparable to Progressive Snapshot, State Farm Drive Safe & Save, or Allstate Drivewise

CONS

• • Base premiums tend to run higher than budget carriers like GEICO or Progressive — Amica competes on service, not lowest price
• • No local agent storefronts in most markets — sales and service handled through call centers and online, which doesn't suit drivers who want face-to-face agents

CONS

• • Available in only 26 states, primarily in the Midwest, South, and Mid-Atlantic — no coverage on the West Coast or Northeast corridor
• • No direct online quoting on its main site for most products — customers must contact a local independent agent to get a price

CONS

• • Not available to US drivers — Hastings only writes UK private motor, van, bike and home cover, so it is irrelevant for a US comparison site unless the page is geo-targeted to the UK
• • Has historically attracted Financial Ombudsman Service complaints around mid-term premium adjustments and cancellation fees, a recurring theme in UK trade press

CONS

• • Premiums are generally on the higher end among major national carriers in third-party rate comparisons (e.g. NerdWallet, Bankrate, ValuePenguin reviews consistently note Allstate prices above the national average)
• • NAIC complaint index for private passenger auto has historically run near or slightly above the national median of 1.0 in recent years

CONS

• • Auto insurance is not available in all states — notably unavailable in some markets, limiting nationwide accessibility compared to GEICO or State Farm
• • Rideshare coverage for Uber/Lyft drivers is not offered as a standard endorsement in most states, unlike several major competitors

CONS

• • Not available in every state — Root has historically been licensed in roughly 30+ states and is not sold in California, Hawaii, Alaska, Massachusetts, and several others; consumers must check current availability
• • Coverage is conditional on completing the test drive and scoring well — applicants who brake hard, drive late at night, or handle the phone while driving can be quoted higher rates or declined entirely

CONS

• • J.D. Power 2024 U.S. Auto Insurance Study scored Liberty Mutual below the segment average in most regions (commonly mid-to-lower tier vs. competitors like USAA, Erie, and Amica)
• • NAIC complaint index has historically run at or above the national median of 1.0 for private passenger auto in recent years, indicating more complaints than expected for its size

CONS

• • Non-standard insurer focus means base rates are typically higher than standard carriers like GEICO or State Farm for clean-record drivers
• • Limited coverage options and add-ons compared to full-service carriers — primarily focused on state-minimum and basic liability policies

CONS

• • Premiums are typically higher than standard-market carriers because the non-standard risk pool drives base rates up
• • Has historically received elevated NAIC complaint volumes relative to its market size, with common complaints around claims handling and policy cancellations

CONS

• • Limited local agents
• • Customer service concerns

CONS

• • Limited local agents
• • Customer service concerns

CONS

• • Limited local agents
• • Customer service concerns

CONS

• • Limited local agents
• • Customer service concerns

CONS

• • Limited local agents
• • Customer service concerns

CONS

• • Limited local agents
• • Customer service concerns

CONS

• • Limited local agents
• • Customer service concerns

CONS

• • Limited local agents
• • Customer service concerns