Amica submitted a joint rate and rule filing in Virginia on March 7, 2026 to update its private passenger auto program with new coverage options and structural changes.
A key change involves the elimination of Amica’s Good Driver Rewards Program, which previously allowed policyholders to accumulate points that could be used to waive accident surcharges. The program will be replaced with an optional Auto Accident Forgiveness endorsement that allows certain claims to be excluded from rating calculations. According to the filing, the new feature is intended to bring Amica’s offering in line with competitors while supporting customer retention and growth. Existing point balances in the Amica Advantage Account will remain available but only for deductible buy down purposes.
Several new endorsements will also be introduced beginning August 1. The insurer plans to add Accidental Death Coverage, which replaces the existing Automobile Death Indemnity and Total Disability coverage. The new benefit pays in the event of death caused by an auto accident and will be available with limits of $10,000 or $50,000 annually priced at roughly $30 and $150 respectively. The filing also introduces Original Equipment Manufacturer parts replacement coverage for vehicles under 11 years old that carry both comprehensive and collision coverage, guaranteeing the use of OEM parts during repairs. Another addition, Better Vehicle Replacement, provides a replacement vehicle one model year newer in the event of a total loss.
Additional program updates include expanded towing coverage options, adding $200 and $300 per disablement limits in addition to the existing $100 option. Amica is also introducing a 10% semi annual payment plan discount for policies with a 12 month rate lock.
The filing outlines several underwriting and scoring changes as well. Beginning July 1, 2026, all new business will transition to the Attract Auto Insurance Bureau Score model for credit based insurance scoring, replacing the prior model used by the company. Renewal policies will be re scored every three years under the new approach.
The filing introduces new affinity partnerships that provide a 10% discount. Newly added partners include Penn State Alumni and Providence College faculty and staff. Existing affinity partners include Audi Club of North America, BMW Car Club of America, MINI Motoring Club of America, Porsche Club of America, and Providence College Alumni.
The filing also highlights several technology driven rating elements. Amica’s StreetSmart telematics program offers usage based discounts of up to 20% based on driver scores, with an additional 5% enrollment bonus available for new business in the first term. The program uses multiple scoring tiers and includes provisional categories when scores are not yet available.
The filing also reinforces Amica’s emphasis on multi line bundling.
