Amica home insurance ratings and review 2026

Amica is the No. 1 home insurance company for 2026, landing in first place for the third year running. It earned a score of 4.51 stars out of 5, ranked best for fair rate increases and has the lowest rates of all national companies we ranked.

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Written by Leslie Kasperowicz
Leslie Kasperowicz
Leslie Kasperowicz

Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

 |  Reviewed by quality verifiedScott Nyerges
Scott Nyerges
Scott Nyerges

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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Our take: Amica home insurance

Amica is the No. 1 home insurance company for the third year in a row, and it’s a good pick for customers who want affordable rates from a company with a rock-solid reputation and who don’t need to work with an agent.

  • We’re impressed with Amica’s top rating for fair rate increases over time; in fact, our rate analysis shows that the insurer’s national average rate has decreased since last year’s ranking. 
  • Amica’s high score for claims service is also notable. Claims are the real test of an insurance company, and Amica passes with flying colors.
  • However, scores in key categories, such as customer satisfaction and ease of service, were below those of major competitors. 
  • Amica’s rates and low complaint volume with the NAIC propelled it to the top

Below is our full review of Amica.  It’s based on the results of our survey, average rates and third-party metrics, including the NAIC customer complaint index and AM Best financial ratings. Find the full methodology here.

1
Amica
4.51 Insure.com Score
Average Premium
$1,510
Customer Survey
NAIC
AM Best Rating
A+
Effective date:
Pros and cons
Pros:
  • Great claims service: 83% of customers were satisfied with claims handling in the survey
  • Affordable rates: Cheapest among national carriers and over $1,000 below the national average
  • Low NAIC complaint ratio: Fewer complaints than expected for a company of its size, and the lowest ratio of all companies
Cons:
  • No agents: Direct sales online or over the phone, no in-person service
  • Not top-ranked in key areas: Lower scores for customer satisfaction, renewals and recommendation to others

Who should buy Amica home insurance?

Amica is a good choice for you if:

  • Rates are a top concern
  • You prefer a direct buy service and to handle everything online or over the phone
  • You’re worried about claims handling

It might not be the best choice if:

  • You prefer to work with an agent for personal service
  • A top-rated company for customer satisfaction is more important than rates

Amica home insurance cost: Coverage and competitor comparison

At $1,510 per year on average, Amica’s rates are well below the national average of $2,543 and those of most competitors. Amica is the cheapest national carrier in our ranking:

  • Nearly $500 cheaper than the next-cheapest national carrier, Allstate ($2,049)
  • Only two regional carriers (Auto Club Enterprises, $1,335, and CSAA, $1,496) had cheaper rates
  • Several thousand dollars cheaper than the most expensive company, Progressive ($4,227)

Here’s a look at average rates by coverage level for Amica and other ranked companies at various coverage levels.

CompanyCoverage levelAverage annual premium
Allstate$200,000 with a $1,000 deductible and $300,000 liability$1,717
Allstate$300,000 with a $1,000 deductible and $300,000 liability$2,049
Allstate$400,000 with a $1,000 deductible and $300,000 liability$2,384
Allstate$600,000 with a $1,000 deductible and $300,000 liability$3,110
Allstate$1,000,000 with a $2,500 deductible and $300,000 liability$4,356
American Family$200,000 with a $1,000 deductible and $300,000 liability$2,076
American Family$300,000 with a $1,000 deductible and $300,000 liability$2,759
American Family$400,000 with a $1,000 deductible and $300,000 liability$3,473
American Family$600,000 with a $1,000 deductible and $300,000 liability$4,867
American Family$1,000,000 with a $2,500 deductible and $300,000 liability$6,825
Amica$200,000 with a $1,000 deductible and $300,000 liability$1,123
Amica$300,000 with a $1,000 deductible and $300,000 liability$1,510
Amica$400,000 with a $1,000 deductible and $300,000 liability$1,803
Amica$600,000 with a $1,000 deductible and $300,000 liability$2,401
Amica$1,000,000 with a $2,500 deductible and $300,000 liability$3,296
Auto Club Enterprises (AAA)$200,000 with a $1,000 deductible and $300,000 liability$906
Auto Club Enterprises (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,335
Auto Club Enterprises (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,765
Auto Club Enterprises (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,687
Auto Club Enterprises (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$4,253
Auto Club Group – ACG (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,503
Auto Club Group – ACG (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,888
Auto Club Group – ACG (AAA)$400,000 with a $1,000 deductible and $300,000 liability$2,519
Auto Club Group – ACG (AAA)$600,000 with a $1,000 deductible and $300,000 liability$3,785
Auto Club Group – ACG (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$5,513
Auto-Owners$200,000 with a $1,000 deductible and $300,000 liability$2,249
Auto-Owners$300,000 with a $1,000 deductible and $300,000 liability$2,840
Auto-Owners$400,000 with a $1,000 deductible and $300,000 liability$3,466
Auto-Owners$600,000 with a $1,000 deductible and $300,000 liability$4,642
Auto-Owners$1,000,000 with a $2,500 deductible and $300,000 liability$6,819
CSAA Insurance (AAA)$200,000 with a $1,000 deductible and $300,000 liability$1,068
CSAA Insurance (AAA)$300,000 with a $1,000 deductible and $300,000 liability$1,496
CSAA Insurance (AAA)$400,000 with a $1,000 deductible and $300,000 liability$1,891
CSAA Insurance (AAA)$600,000 with a $1,000 deductible and $300,000 liability$2,618
CSAA Insurance (AAA)$1,000,000 with a $2,500 deductible and $300,000 liability$3,332
Erie Insurance$200,000 with a $1,000 deductible and $300,000 liability$1,888
Erie Insurance$300,000 with a $1,000 deductible and $300,000 liability$2,783
Erie Insurance$400,000 with a $1,000 deductible and $300,000 liability$3,526
Erie Insurance$600,000 with a $1,000 deductible and $300,000 liability$4,927
Erie Insurance$1,000,000 with a $2,500 deductible and $300,000 liability$6,743
Farmers$200,000 with a $1,000 deductible and $300,000 liability$2,032
Farmers$300,000 with a $1,000 deductible and $300,000 liability$2,820
Farmers$400,000 with a $1,000 deductible and $300,000 liability$3,667
Farmers$600,000 with a $1,000 deductible and $300,000 liability$5,377
Farmers$1,000,000 with a $2,500 deductible and $300,000 liability$8,048
Nationwide$200,000 with a $1,000 deductible and $300,000 liability$2,219
Nationwide$300,000 with a $1,000 deductible and $300,000 liability$2,983
Nationwide$400,000 with a $1,000 deductible and $300,000 liability$3,752
Nationwide$600,000 with a $1,000 deductible and $300,000 liability$5,342
Nationwide$1,000,000 with a $2,500 deductible and $300,000 liability$7,761
Progressive$200,000 with a $1,000 deductible and $300,000 liability$3,421
Progressive$300,000 with a $1,000 deductible and $300,000 liability$4,227
Progressive$400,000 with a $1,000 deductible and $300,000 liability$4,951
Progressive$600,000 with a $1,000 deductible and $300,000 liability$6,624
Progressive$1,000,000 with a $2,500 deductible and $300,000 liability$8,699
State Farm$200,000 with a $1,000 deductible and $300,000 liability$1,915
State Farm$300,000 with a $1,000 deductible and $300,000 liability$2,448
State Farm$400,000 with a $1,000 deductible and $300,000 liability$2,926
State Farm$600,000 with a $1,000 deductible and $300,000 liability$3,913
State Farm$1,000,000 with a $2,500 deductible and $300,000 liability$5,297
Travelers$200,000 with a $1,000 deductible and $300,000 liability$1,771
Travelers$300,000 with a $1,000 deductible and $300,000 liability$2,235
Travelers$400,000 with a $1,000 deductible and $300,000 liability$2,708
Travelers$600,000 with a $1,000 deductible and $300,000 liability$3,754
Travelers$1,000,000 with a $2,500 deductible and $300,000 liability$5,658
USAA*$200,000 with a $1,000 deductible and $300,000 liability$1,798
USAA*$300,000 with a $1,000 deductible and $300,000 liability$2,401
USAA*$400,000 with a $1,000 deductible and $300,000 liability$2,939
USAA*$600,000 with a $1,000 deductible and $300,000 liability$3,957
USAA*$1,000,000 with a $2,500 deductible and $300,000 liability$5,433
*USAA is only available to military community members and their families.
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How Amica scores for customer satisfaction, ease of service, policy offerings and claims 

Of our four main categories on which we rank insurance companies, Amica performed best for claims, only one point behind the top score at 83%.

Scores were a little lower in other categories, with customer satisfaction and ease of service at 78% and policy offerings at 79%.

Below, we’ve compared Amica with top competitors for overall customer satisfaction, ease of getting service, policy offerings and claims handling. The numbers represent the percentage of the company’s customers in our survey who were satisfied or highly satisfied in that category.

CompanyCustomer satisfactionEase of servicePolicy offeringsClaims handling
Amica78%78%79%83%
Nationwide85%85%85%84%
Progressive76%79%77%65%
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How Amica scores on customer recommendations, trust and renewals

In our survey, Amica performed behind many competitors when we asked three important questions:

  • Would you recommend your insurer to others?
  • Do you trust your insurer?
  • Do you plan to renew with your insurer?

At 83%, Amica had the lowest rate of customers who plan to renew and recommend it to others, indicating that low rates may not be enough to retain customers. Eighty-one percent of Amica customers said they trust the company, and 74% would recommend it to others.

CompanyRecommendedTrustworthinessRenewals
Amica74%81%83%
Allstate89%91%95%
Progressive82%79%87%
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How Amica scores for digital experience, auto/home bundling and discounts

Despite being a direct-buy company that doesn’t use agents, digital experience (74%) didn’t rank as highly for Amica as for many competitors. And, although Amica has a good list of available discounts, only 59% of customers expressed satisfaction.

That said, Amica’s already low rates are likely to offset discounts for many insurance buyers, and discounts were ranked on the lower side across all companies.

For auto and home bundling, Amica was on par with competitors at 75%.

The table below shows the percentage of customers who said they were satisfied or highly satisfied in each category.

CompanyDigital experienceAuto/home bundlingDiscounts
Amica74%75%59%
Travelers83%75%58%
Nationwide85%76%65%
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Types of home insurance offered by Amica

  • Homeowners: Standard (broad form, HO-3) and high-value (comprehensive form, HO-5)
  • Renters: Coverage for tenants (HO-4)
  • Condo: Coverage for condominiums (HO-6)
  • Flood: Sold through the NFIP Write-Your-Own program

Amica home insurance discounts

  • Loyalty: Stay with the company for two years or more
  • Multiline: Bundling with auto, life or umbrella
  • Claim-free: No claims in the past three years
  • AutoPay: Sign up for automatic payments
  • E-discount: Paperless documents and billing
  • Paid in full: Pay your full premium up front
  • Alarm system: Burglar, sprinkler or fire alarms
  • New/remodeled home: New construction or recent major remodel
  • Automatic detection devices: Devices that detect water or gas leaks

States where Amica offers coverage

Graph
Table

States where Amica offers coverage
Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Vermont
Virginia
Washington
Washington, D.C.
West Virginia
Wisconsin
Wyoming
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Amica at a glance

Amica

Mutual insurance company offering dividend policies that pay back up to 20% of premiums

$1,230,248,232 in direct premiums written, 0.71% market share, according to the 2024 NAIC Market Share Report

Direct sales only: policies are not sold through agents

Contact Amica at www.amica.com or 855-237-2922.

Resources & Methodology

Sources:

NAIC. “NAIC Releases 2024 Market Share Data” Accessed December 2025.

Amica Insurance. “About Amica” Accessed December 2025.

Methodology 

In late 2025, Insure.com surveyed more than 2,000 insurance consumers through an independent research firm, Dynata. Customers named their insurer and rated it on satisfaction, ease of service, policy options, claims handling, digital experience, discounts, bundling, rate increases, older homes and standard coverages. We also asked whether they planned to renew, would recommend their insurer and trusted their insurer.

For insurers with enough survey responses, we added:

  • AM Best financial strength ratings, which measure an insurer’s ability to pay claims
  • NAIC complaint index scores, which show how many customer complaints an insurer receives relative to its size
  • Average premium data from Quadrant Information Services, based on a policy with:
    • $300,000 in dwelling coverage and liability
    • A $1,000 deductible and a 2% deductible where appropriate

With guidance from Prof. David Marlett, Ph.D., managing director of the Brantley Risk and Insurance Center at Appalachian State University, we applied the following weights to calculate each company’s final rating:

  • Customer survey: 40% (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25%
  • Average premium: 20%
  • NAIC complaints: 15%

Each insurer received a rating between 0.5 and 5 stars.

author image
Leslie Kasperowicz
Managing Editor

 
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Leslie Kasperowicz is an insurance expert and the executive editor of Insurance.com. Before joining QuinStreet, she was managing editor at Quote.com has a decade of experience writing about insurance. She also spent four years in customer service with Farmers Insurance.

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