Amica ranks in the more expensive half of auto insurers in Insure.com’s 2026 survey with a full coverage premium of $231 per month. The company scores below average in customer satisfaction, recommendations and claims handling, but performs well in renewals and offers a solid range of policy options. Compare Amica's pricing and service offerings.
Laura Longero is an insurance expert and executive editor of CarInsurance.com. With 15 years of experience simplifying complex financial topics, Laura provides clear, expert-backed guidance to help drivers make smart, confident decisions. Before joining CarInsurance.com, she was an award-winning editor for the USA Today Network.
Scott Nyerges is an insurance expert and managing editor, insurance. Previously, he was a senior insurance editor and content strategist at U.S. News & World Report, and worked for Consumer Reports, MSN and Cheapism.com.
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Amica is known for its long history of strong customer service, but in Insure.com’s 2026 survey, the company performs below average across several key satisfaction categories. While customers give Amica solid marks for ease of service, policy offerings and digital experience, its scores for customer satisfaction, recommendations and trust fall noticeably below competitors.
However, Amica performs far better on renewals, with 92% of customers indicating that they plan to stay with the insurer, suggesting that policyholders value long-term stability, even if individual service experiences are uneven.
Below, we break down how Amica compares on cost, coverage, claims and customer experience to help you decide if it is the right fit.
Insure.com surveyed 2,000 auto insurance customers, who rated their insurers on service quality, claims handling, policy options, discounts, digital tools and bundling. Scores were combined with AM Best financial strength ratings, NAIC complaint data and premium rate data from Quadrant Information Services to produce each insurer’s final rating.
Amica is a good choice for you if:
It might not be the best choice if:
Our agents make it hassle-free to get the right quote.
When it comes to the monthly cost of car insurance, Amica is in the more expensive half of auto insurers we surveyed this year, with a full coverage premium of $231 per month. The average is $209, and Amica is comparable to competitors like State Farm ($239) and Progressive ($223).
See more rates in the table below.
When Amica customers were asked if they were satisfied with the company, only 77% agreed – 8 percentage points lower than the category average.
Amica performed better in terms of how easily policy documents and services can be accessed, with policyholders giving the insurer a score of 84%, which is only 4 points lower than the category average. It still trails many of its competitors in this category.
For policy offerings, 82% of Amica’s customers reported satisfaction with the company’s policy offerings, 2 points lower than the category average.
When asked whether they’d recommend Amica to their friends and family members, 79% of the Amica policyholders we surveyed said they’d recommend the company – 8 points below average. For trustworthiness, Amica earned a score of 85%, again several points below the average score.
Finally, when Amica customers were asked whether they’d renew their policies, 92% said they would – only 2 points below the top nationwide scorers, Farmers and Nationwide.
For claims handling, Amica had the second-lowest score in our survey behind Progressive (62%), with a score of 66%. The company scored 70% in the digital experience category, which measures customer satisfaction with Amica’s digital app and website experience.
For discounts, Amica scored 59% overall and 78% for bundling home and auto. These scores were comparable to the category averages.
Below is a list of car insurance coverages Amica offers to its policyholders.
AL AK AZ AR CA CO CT DC DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY
Note: Availability is subject to change.
Founded in 1907, Amica Mutual Insurance Company is the oldest mutual auto insurer in the United States, having built a long-standing reputation for exceptional customer service. As a mutual company owned by its policyholders, Amica serves more than 1 million policies in force nationwide across auto, home and life insurance.
Unlike many large national insurers, Amica does not rely on independent agents; instead, it operates through a direct-to-consumer service model, allowing customers to work closely with Amica representatives for quotes, claims and policy support. This structure is a key reason Amica consistently ranks at the top of industry surveys for customer satisfaction and claims handling.
Financially, Amica is recognized for its stability and disciplined underwriting practices. The company maintains an A+ (Superior) financial strength rating from AM Best and consistently demonstrates strong capitalization and low complaint ratios. With annual premium revenue in the billions and a focus on sustained, steady growth, Amica remains one of the most reliable and service-focused insurers in the country.
Contact Amica: Call 1-800-242-6422 or visit www.amica.com.
Methodology
In 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on customer satisfaction, ease of service, policy options, claims handling, digital experience, discounts and bundling home with auto. We also asked whether they planned to renew, would recommend their insurer to friends and family and trusted their insurer.
For insurers with enough survey responses, we added:
With guidance from Prof. David Marlett, Ph.D., we applied the following weights to calculate each company’s final rating:
Each insurer received a rating between 0.5 and 5 stars.