---
title: "Amica Insurance Review [Updated 2026]"
description: "Amica Insurance is a mutual company founded over 100 years ago. It offers a wide range of personal insurance products, including auto, home, and life insurance in most of the U.S."
canonical: "https://www.coveragecat.com/reviews/amica-insurance-review"
last-updated: "2026-08-13"
---

# Amica Insurance Review [Updated 2026]

1. [Introduction to Amica Insurance](#introduction)
2. [What Kinds of Insurance Does Amica Offer?](#kindsofinsurance)
3. [How Does Amica Insurance Work?](#howdoesitwork)
4. [Pros and Cons of Amica Insurance](#proscons)
5. [Ratings and Customer Feedback for Amica Insurance](#ratings)
6. [Get Customer Support Or File A Claim For Amica Insurance](#customersupport)
7. [Frequently Asked Questions](#faq)

## <a id="introduction"></a>Introduction to Amica Insurance 

Amica Mutual Insurance Company is an auto, home, and life insurance carrier founded in 1907 in Rhode Island. It is a mutual company owned by policyholders, who receive a payout each year that Amica turns a profit. Amica was also the first auto mutual company in the United States and began with only automotive, fire and theft insurance; [it added homeowners insurance to its offerings in 1956](https://www.amica.com/en/about-us/company-facts-and-history.html).

[Amica reports more than 3,500 employees and $5.9 billion in assets](https://www.insurancejournal.com/news/east/2026/02/24/859291.htm) as of February 2026. The company operates 44 locations nationwide and maintains a policyholder-first philosophy as a mutual insurer. [One in three Amica customers has been insured for more than 20 years](https://www.amica.com/en/about-us.html), which reflects strong customer loyalty.

### <a id="kindsofinsurance"></a>What Types of Insurance Does Amica Insurance Offer? 

Amica offers a variety of personal insurance products, including homeowners and condo insurance, RV and trailer insurance, renters insurance, auto and motorcycle insurance, liability and umbrella insurance, and flood insurance. Amica's products also include specialty insurance such as small business, wedding and event insurance, and pet insurance.

The company's [Platinum Choice home coverage packages standard homeowners protection with additional coverages in one policy](https://www.amica.com/en/products/home-insurance/coverages.html). Standard coverages include dwelling, other structures, personal property, loss of use, and liability. Additional options such as water backup, scheduled personal property, and identity theft insurance expand protection for specific needs.

For auto insurance coverage, [Amica offers unique features like StreetSmart usage-based insurance, rideshare protection, and full glass coverage](https://www.usnews.com/insurance/auto/amica-car-insurance-review) that many competitors do not provide. The company also offers Guaranteed Asset Protection (GAP) insurance for auto policies.

### Does Amica Insurance Offer Dividend Policies? 

Yes, [Amica offers policies that pay dividends](https://www.amica.com/en/products/dividend.html) and traditional (non-dividend) insurance policies. Dividend-paying policies cost more upfront, but they return an average of 5-20% of the policy cost back to the policyholder. [Bundling auto and home insurance can save up to 30% on premiums](https://www.amica.com/en/products/home-insurance.html), which offsets higher initial costs for dividend policies.

## <a id="proscons"></a>Pros and Cons of Amica Insurance 

<div class="grid">
  <div class="column">
    <p><b>Pros</b></p>
    <ul>
<li><a href="https://www.usnews.com/insurance/homeowners-insurance/amica">U.S. News ranked Amica as the best homeowners insurance company in 2026, with an average monthly base cost of $107.</a></li>
<li>A.M. Best gave Amica a Rating of A+ (Superior) for Financial Strength, which is the second highest of 13 company ratings.</li>
<li><a href="https://www.amica.com/en/about-us/awards-and-recognition.html">Amica has received over 65 J.D. Power awards for customer satisfaction, including Highest in Customer Satisfaction With Property Insurance Claims Experience for eight consecutive years and 17 consecutive years of recognition for homeowner insurers.</a></li>
<li>Amica's NAIC complaint index of 0.57 means the company receives roughly half the expected complaints relative to competitors.</li>
<li>J.D. Power's 2024 U.S. Auto Claims Satisfaction Study ranked Amica second overall with a score of 746 out of 1,000 [(J.D. Power, "2024 U.S. Auto Claims Satisfaction Study", 2024)](https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-study).</li>
</ul>
  </div>
  <div class="column">
    <p><b>Cons</b></p>
    <ul>
<li><a href="https://www.insurancejournal.com/news/east/2024/02/05/759320.htm">A.M. Best downgraded Amica's financial outlook to negative in February 2024 based on the decline in its balance sheet strength, though they note the company is implementing initiatives to correct operating performance.</a></li>
<li><a href="https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=19976&:refresh">Amica's NAIC Complaint Index was 1.48 in 2023 for homeowners insurance, indicating complaints were slightly above the expected number given Amica's market share.</a></li>
<li>Amica does not offer online quotes in California, though you can contact a sales representative at 800-242-6422.</li>
<li>Coverage is not available in Alaska or Hawaii.</li>
</ul>
  </div>
</div>

| Rating Category | Score | Source |
|----------------|-------|--------|
| Financial Strength | A+ (Superior) | AM Best |
| Auto Claims Satisfaction | 746/1000 (2nd place) | J.D. Power 2024 |
| Trustpilot Rating | 4.5/5 | Over 6,125 reviews |
| BBB Rating | 1.28/5 | 79 reviews |
| NAIC Complaint Index (Auto) | 0.57 | FinanceBuzz 2026 |
| NAIC Complaint Index (Home) | 1.48 | NAIC 2023 |

## Is Amica Insurance right for me? 

Amica gets high marks for reasonable pricing, offers a variety of coverages and insurance policies for those who need many options. If you live in the continental United States (Amica does not cover Alaska or Hawaii), you could be eligible for Amica Insurance. If you have multiple assets to protect and want access to bundling discounts and unique options such as dividend policies, Amica Insurance could be a good fit for you. 

[Amica ranked among the best home and auto insurance bundles](https://www.usnews.com/insurance/auto/amica-car-insurance-review) because the company offers multi-policy discounts and consistent service across product lines. The company's mutual structure means policyholders own the company rather than outside shareholders, which aligns the insurer's incentives with customer satisfaction.

The best way to determine if Amica is the right fit for you is to see if you're eligible for a quote and compare 2-3 companies. 

## <a id="ratings"></a>Real Online Reviews for Amica Insurance

Amica's online reviews are mixed. [On Reddit](https://www.reddit.com/r/Insurance/comments/10rwnhp/anyone_worked_with_amica/), customers write everything from "Beware" and "Terrible delays and lack of professionalism. I am highly disappointed in how our claim is being handled," to "Love Amica. Always great customer service and their reps are easy to talk to. No complaints." 

[On Trustpilot](https://www.trustpilot.com/review/amica.com), reviews are overwhelmingly positive with a 4.5/5 average rating (Excellent) out of over 6,125 reviews as of 2026. Customers praise responsive claims handling and immediate response times. Long-term customer loyalty stands out, with some policyholders insured for decades noting the dividend and profit-sharing policy as a positive feature.

Reviews at the [Better Business Bureau (BBB)](https://www.bbb.org/us/ri/lincoln/profile/insurance-companies/amica-mutual-insurance-company-0021-104854) are weaker, with Amica averaging 1.28/5 stars with 79 reviews and 135 customer complaints closed in the last 3 years. However, the BBB has accredited Amica as an A+ rated business, which reflects the company's responsiveness to customer concerns.

| Review Platform | Rating | Number of Reviews | Notes |
|----------------|--------|-------------------|-------|
| Trustpilot | 4.5/5 | 6,125+ | Excellent rating, praise for claims handling |
| BBB | 1.28/5 | 79 | 135 complaints closed in 3 years, A+ accreditation |
| Reddit | Mixed | Various | Range from very negative to very positive |
| J.D. Power | 746/1000 | Industry study | 2nd place for auto claims satisfaction |

##  <a id="customersupport"></a>Get Customer Support Or File A Claim For Amica Insurance

Amica customers can get customer support for their policies, claims, and technical help through live chat, phone, mail, and email. [Claims can be reported online, through the mobile app, or by calling 800-242-6422](https://www.amica.com/en/claim-center/claims-frequent-questions/auto-claims-process.html), with 24/7 claims reporting available.

[Payment options include Venmo, PayPal, electronic funds transfer (EFT), or paper check](https://www.amica.com/en/claim-center/claims-frequent-questions/auto-claims-process.html). Appraisers assess damage and may request photos for virtual appraisal, which speeds the claims process.

- [Access Live Chat for claims and customer service here.](https://www.amica.com/en/customer-service/contact-us.html#Chat)  
- [Send a direct email to customer support here.](https://www.amica.com/en/customer-service/contact-us/form.html)  
- Technical assistance: 833-915-0019

### For Amica Auto, Home, Marine, and Umbrella Policyholders

- Call customer service or file a claim: 800-242-6422  
- Mail payments, documents, or questions by mail to:   
  - Amica Mutual Insurance Company  
    PO Box 9128  
    Providence, RI 02940-9128  
- Call Roadside Assistance for 24/7 auto support: 866-286-9968

### For Amica Life Insurance Policyholders

- Call customer service or file a claim: 800-234-5433  
- Mail payments, documents, or questions by mail to:   
  - Amica Life Insurance Company  
    PO Box 9700  
    Providence, RI 02940-9700

## <a id="faq"></a>Frequently Asked Questions 

### Should I Buy Amica Insurance?

Deciding whether to buy an Amica policy depends on your insurance needs, preferences, and the coverage and pricing Amica offers you. It has a wide range of insurance products, including auto, home, and more, with many different coverage options and premium options, including dividend-paying policies. It is essential to compare Amica's offers, price, customer service reputation, and the convenience of their services with other carriers. Do you live in Washington, California, Texas, New York, or Florida? Then [Coverage Cat](https://www.coveragecat.com/) can assess your insurance needs.

### Is Amica Insurance a Real Insurance Company?

Amica is a real company and one of the oldest insurance companies in the United States. Amica has a long track record of business and covers a wide range of insurance needs for homeowners, vehicle (car and boat) owners, and business owners. While Amica is smaller than some large insurance companies, [in 2023 they were ranked #20 by NAIC for Homeowners Market Share and #23 for Private Passenger Auto Market Share](https://content.naic.org/sites/default/files/research-actuarial-property-casualty-market-share.pdf). 

### How Does Amica Insurance Make Money?

Insurance companies generate revenue in two ways. They collect premiums from customers (policyholders). And they invest those premiums in interest-bearing instruments to collect additional revenue paid by its customers for insurance policies it offers. The company pays out claims from aggregated premiums, but if it has managed its risk well, it can also use a portion of these premiums to generate income. [AM Best noted that underwriting losses outpaced investment earnings in 2022-2023 due to turbulent markets and interest rate increases](https://www.insurancejournal.com/news/east/2024/02/05/759320.htm), which prompted the company to implement rate increases and reduce dividends.

### Does Amica sell insurance in California?

Yes, Amica offers insurance in California. Amica does not offer online quotes for California zip codes, but you can contact a sales representative at 800-242-6422 to get a quote. Amica also provides earthquake policies through the [California Earthquake Authority](https://www.amica.com/en/products/california-earthquake-coverage.html) for homeowners and renters insurance policyholders. 

### Is Using Amica Insurance Worth It?

Amica is well-suited to a variety of customers who need homeowners, auto, liability, or other coverage. They offer discounts for bundling multiple policies. [Forbes named Amica one of America's Best Insurance Companies for five consecutive years through 2026](https://www.amica.com/en/about-us/media-center/news-release-archive/2025/forbes-americas-best-insurance-companies.html), based on independent surveys of over 15,000 U.S. citizens with insurance policies. But the best way to determine whether Amica is right for you is to use [Coverage Cat](https://www.coveragecat.com/) to get your auto, home, and umbrella quotes. We'll find you the best possible offers and make it easy for you to buy your best possible policy.

### What are the most common Amica insurance complaints?

While Amica maintains strong customer satisfaction ratings overall, the most common complaints center on claim handling delays and communication issues during the claims process. Some Reddit users report frustration with claim processing timelines and adjuster responsiveness. However, these complaints represent a minority view given [Amica's NAIC complaint index of 0.57 for auto insurance](https://www.naic.org/consumer_reports/complaint_index.htm), which means the company receives roughly half the expected complaints relative to competitors.