StreetSmart by Amica™
When our roads are safer, we all benefit. It’s not just about how you drive as an individual – it takes all of us working together to make our roads safer. When everyone practices safe driving, we’re less likely to find ourselves in an unfortunate situation, and it may even help lower rates over time.
That’s why we created StreetSmart by Amica™, a free mobile app designed to enhance your driving experience while rewarding safe driving habits.
What is StreetSmart by Amica™
StreetSmart by Amica™ is a free smartphone app for iOS and Android devices. It provides insights into your driving habits and ways you can improve, helping you become a safer driver. You can earn discounts by avoiding things like speeding, hard braking or phone distraction.
Benefits and ways to save
Get rewarded
Participants can also earn rewards based on their driving performance. Safe driving behaviors can lead to greater rewards. Rewards can be redeemed for e-gift cards from popular retailers like Amazon, Best Buy, GameStop, Sephora, Starbucks, Target and more. You can also use your rewards to make donations to certain charities like the American Cancer Society, Habitat for Humanity and the Special Olympics.
Save money
New and existing policyholders can receive a discount on their policy premium just by participating in the program for the first time. Future discounts may be earned at their next policy renewal based on their driving performance.
How StreetSmart works
Our free StreetSmart app scores your driving for savings and rewards. It’s easy to get started:
New policyholders:
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Get a quote:
Near the end of your quote, just say yes when asked if you want to sign up for StreetSmart.
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Download the app:
The StreetSmart by Amica™ app is free in your phone’s app store. You’ll receive up to 10% off your current Amica rate just by registering.2
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Drive safely:
Keep your phone with you when you drive. The app will gather data as you drive.
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Get rewarded:
Based on your driving score, you can earn and redeem e-gift cards for popular retailers. Higher scores lead to greater rewards.
Existing policyholders:
Contact an Amica representative to be enrolled in the program. Then, download the StreetSmart by Amica™ app and log in to your individual account using the PIN code that was emailed or texted to you.
After enrollment:
When you drive, the StreetSmart app gathers data, measuring your driving behavior and issues a score based on:
- Hard braking
- Speeding
- Road segment type
- Phone distraction
- Phone use
- Phone screen tapping
In the StreetSmart app you’ll be able to stay up to date on your progress and learn about your driving habits by reviewing your account dashboard and trip logs. You’ll even be able to see how your driving compares to others.
Common questions about StreetSmart by Amica™
StreetSmart is available to Amica auto policyholders in the following states: Arizona, Colorado, Connecticut, Georgia, Illinois, Indiana, Kansas, Maine, Maryland, Minnesota, Missouri, New Hampshire, New Mexico, Ohio, Oregon, Pennsylvania, Rhode Island, Tennessee, Texas, Utah, Vermont, Virginia and Wisconsin.
If your state is not listed, please contact us for future availability.
A rolling score for 91 days of continuous driving is calculated and captured by the app (this score isn’t visible to users). We use this score to determine if you’re eligible for a discount when your policy renews, and what it might be. A rolling projected discount is based on your overall driving at any time and is shown on the app dashboard. This score is based on:
- Hard braking
- Excessive speeding
- Road segment type
- Phone distraction
- Phone use
- Phone screen tapping
Eligible users who enroll early in their policy period will receive a flat enrollment discount on their current policy, with future discounts adjusted based on their 91-day score at renewal. Users who enroll late in their policy period (not enough time to receive a 91-day score) will get a flat enrollment discount on their renewal policy, with future discounts adjusted after receiving a 91-day score. Total discounts may vary based on timing and the number of eligible users per vehicle. If there are more eligible users than vehicles, they may only receive rewards and not additional discounts.
Rewards for specific safe-driving behaviors are earned when you achieve badges in the StreetSmart app. After earning a reward, the value is automatically added to your balance. Rewards can be redeemed for e-gift cards in $5 increments, and you’ll need a minimum of $5 to redeem. You can choose to redeem rewards as soon as you’ve earned $5, or wait to redeem them when you reach $10, $15, $20, etc.
You can select e-gift cards from popular retailers such as Amazon, Best Buy, Sephora, Target and Starbucks, or make a charitable donation to organizations like the American Cancer Society and the Special Olympics.
Respecting your privacy is an important part of our commitment to provide an excellent service and product. Your personal information and individually collected data is confidential and won’t be shared with unaffiliated third parties.
It takes more than one trip to impact your overall score. StreetSmart collects and analyzes driving data to provide you with a two-week driving score that’s displayed on your dashboard in the StreetSmart app.
Founded in 2010 by two Massachusetts Institute of Technology (MIT) professors and experienced entrepreneurs, Boston-based CMT helps to make roads and drivers safer around the world with its innovative, telematics-based mobile app.
More questions? View the StreetSmart by Amica™ FAQ page.
Customer service that earns loyalty
Excellent mutual insurance is built on lasting relationships with each policyholder. Our customers are our best advocates. Hear more about the Amica experience directly from them.
Drive safely and save with StreetSmart by Amica™.
Get up to a 10% participation discount2 just for enrolling.
1 Discount eligibility starts at second policy period.
2 Discounts may vary and not all participants may be eligible to receive a discount.