AMA Auto Insurance Review: Should you buy in 2024?

AMA Insurance is a subsidiary of the American Medical Association (AMA). They cater specifically to physicians and their families, and offer a range of insurances by partnering with top companies. Though members qualify for additional discounts, AMA Insurance is still available to non-members (with a small fee). AMA auto insurance is offered through Liberty Mutual at low rates. Read on to learn all about AMA auto insurance and the American Medical Association as a whole.

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Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including,, and Forbes. As a parent herself, she understands the need ...

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Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Insurance and Finance Writer

UPDATED: Nov 27, 2023

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A Concise Overview

  • The American Medical Association offers a range of insurances through partner companies
  • AMA Insurance is reserved for physicians (and their families), medical practices, and hospitals
  • AMA auto and home insurance are offered through Liberty Mutual Insurance
  • You don’t have to be a member of the AMA to qualify
  • Members qualify for additional discounts and aren’t charged a non-member fee

AMA Insurance is a subsidiary of the American Medical Association (that’s what the AMA stands for). The subsidiary was created specifically for physicians and their families, medical practices, and hospitals, to ensure they get the auto insurance coverages they need.

AMA Insurance isn’t actually an insurance provider themselves. Instead, they offer auto insurance, home insurance, and Medicare supplement through partner companies.

AMA Insurance agents connect customers with an appropriate partner company, and help them negotiate the best possible rates. Any and all quotes from AMA Insurance come from one of their partner companies, as AMA Insurance does not underwrite any insurance themselves.

This handy guide will walk you through AMA car insurance and the AMA Insurance company as a whole.

If you’re ready to start looking at the best rates now, enter your ZIP code and compare free quotes today.

Who is the American Medical Association?

The American Medical Association (AMA) was founded in 1847 to represent physicians everywhere in courts and legislative bodies. Their mission is to remove obstacles to patient care, lead innovation in preventive care, confront public health crises, and drive the future of medicine.

The AMA Insurance mission statement is to “promote science and the art of medicine for the betterment of public health.”

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What types of insurance does AMA Insurance offer?

AMA Insurance has a range of partner companies in order to offer auto, life, disability, dental, and various business insurance options. AMA home and auto insurance are written through a partnership with Liberty Mutual Insurance.

AMA also offers life insurance, disability, and Medicare supplement plans through Liberty Mutual. It’s important to note that, since it’s a partnership, you aren’t actually purchasing auto insurance directly from AMA. Instead, you’re getting discounted rates from Liberty Mutual.

It’s unclear whether or not AMA offers any kind of insurance bundling discounts.

On the business side of things, AMA offers insurance for medical practices and hospitals:

  • Office Overhead Insurance for Medical Practices
  • Hospital Income Insurance
  • Group Insurance for Medical Schools
  • Group Insurance for Residency Programs
  • International Medical Insurance

Considering the range of insurances they offer and their dedication to getting members the best possible deal, it’s definitely worth asking about once you’re assigned an agent.

Who qualifies for AMA Insurance?

You don’t have to be a member of the American Medical Association to qualify for AMA insurance coverage, but AMA membership may qualify you for additional reduced rates.

Non-AMA members will pay a small non-member fee. But even with the fee, AMA insurance rates are still generally lower than other competing insurances.

However, don’t forget that AMA policies are specifically for physicians and their families. The American Medical Association’s insurance eligibility requirements are outlined on the website.

Are AMA Insurance ratings positive?

AMA Insurance Agency, Inc. has an A+ rating from the Better Business Bureau (BBB). They have had 3 complaints filed in as many years. All 3 complaints were closed in the last 12 months.

There aren’t that many AMA auto insurance reviews, but don’t forget that AMA auto insurance is actually supplied through partner companies.

Since AMA’s main partner for auto insurance is Liberty Mutual, it’s a good idea to look at Liberty Mutual reviews to determine the quality of the actual insurance.

Average Annual Auto Insurance Rates for the Top Ten Insurance Companies
CompaniesAverage Annual Rates
American Family$3,443.09
Liberty Mutual$6,073.45
State Farm$3,260.00

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Liberty Mutual is actually one of the top 10 insurance companies in the country when it comes to their auto insurance rates. With the discounts you get from going through AMA Insurance, those rates can only go down.

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How do I manage my AMA insurance policy?

Since AMA policies are written by partner insurance agencies, managing your AMA policy can be a little confusing.


The American Medical Association doesn’t have a claims office, and it’s unclear whether or not they process claims themselves.

It’s likely that you’ll need to go through the partner company that actually wrote the policy. For auto insurance, that’s most likely Liberty Mutual.

The AMA website does list claims contact forms for most of their insurance plans. However, the site indicates that all claims must be started through Customer Care. The Customer Care phone number and hours can be found on AMA’s website.


The AMA offers several ways to cancel auto insurance, and doesn’t list any cancelation fee.

However, since AMA insurance policies are written through partner companies, the cancelation process may look different for different policies, and there’s no guarantee that the partner company doesn’t charge a cancelation fee.

Contact the AMA Customer Care line for more information.

The Bottom Line

American Medical Association auto insurance, though written through partner companies, is generally high-quality at low-cost. AMA members will find that AMA auto insurance discounts are much better than pretty much anywhere else.

You don’t have to be a member of the AMA to qualify for their insurance discounts. However, there is a small fee charged to non-members.

With great ratings from the BBB and partnerships with reputable insurance providers, AMA auto insurance is definitely worth considering.

Ready to start comparing auto insurance rates? Enter your ZIP code to see the best quotes today.

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