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Amica auto insurance review and ratings 2025

Amica is No. 6 among national carriers in the 2025 Insure.com Best Car Insurance Companies survey with 4.16 stars out of 5. The insurer tops many survey categories, with high scores in customer service, ease of service and trustworthiness.

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Our take

Amica auto insurance is No. 6 among national carriers in our Best Car Insurance Companies ranking for 2025 with 4.16 stars out of 5.

Amica tops many categories of Insure.com’s 2025 rankings, earns high scores for customer service and is the top insurer for trustworthiness. The company had a strong A+ (Superior) financial stability rating from AM Best.

Below is Insure.com’s review of the company. It’s based on third-party metrics and an in-depth survey of insurance customers. Find the full methodology here.

Amica
Amica Ratings
Overall Rating: 4.16
Average Premium: 2.14
NAIC: 0.75
Customer Satisfaction: 4.73
AM Best Rating: A+
Effective date:

Pros and Cons

Pros:
  • Ranks No. 1 for trustworthiness
  • Customers are highly likely to renew their policy
  • Discounts and bundling options are highly ranked
Cons:
  • More expensive than other national carriers

How much does Amica cost?

Amica has higher-than-average car insurance rates. Its monthly average rate is $185, higher than Nationwide, State Farm, Progressive and Geico. However, it is slightly less expensive than Farmers and Allstate. 

CompanyMonthly Premium
USAA*$115
Erie$123
Nationwide$129
Auto-Owners$129
Travelers$134
American Family$142
Geico$147
State Farm$165
Progressive$166
Amica$185
Farmers$199
Allstate$209

*USAA is only available to military community members and their families.

How Amica scores for customer satisfaction

Ninety-seven percent of Amica’s customers were satisfied with the company’s customer service. No other company in our survey scored higher. State Farm and Geico ranked slightly lower than Amica — 92% and 90%, respectively. 

CompanyCustomer satisfaction
Amica97%
Progressive87%
Travelers78%

How Amica scores for ease of service

Amica’s customers say they can easily access their policy information, documents and services, putting the insurer in the top spot for this category at 97%. Other major insurance companies, including Farmers and Nationwide, fell midway down the ranking.

CompanyCustomers satisfied with ease of service
Amica97%
Allstate91%
Liberty Mutual84%

How Amica scores on policy offerings

Amica offers numerous policies, including home, umbrella, renters and auto insurance. Of those surveyed, 93% of customers report satisfaction with the company’s policy offerings. It leads the category; most companies are ranked in the 80th percentile. 

CompanyCustomers satisfied with policy offerings
Amica93%
Geico88%
Liberty Mutual79%

Would current customers recommend Amica to others?

Nationwide led this category with a score of 96%. However, Amica came in with a score of 93% and fell within the top three insurance companies customers would recommend.

CompanyCustomers who would recommend the company
Amica93%
Nationwide96%
Allstate88%

How trustworthy is Amica?

In this year’s ranking, Amica is the most trustworthy car insurer. State Farm scored within the 90th percentile, while most other insurers scored in the 80th percentile.

CompanyTrustworthiness
Amica97%
Nationwide89%
Safeco83%

Do Amica customers plan to renew? 

According to the survey, most of Amica’s customers plan on renewing their policy with the company. Ninety-seven percent of customers reported a likely renewal with both Amica and Travelers. 

CompanyCustomers who plan to renew 
Amica97%
Auto-Owners95%
Progressive 93%

How well does Amica handle claims?

Farmers led this category, with 94% of customers reporting their satisfaction with the insurer’s handling of claims after an accident or vehicle incident. However, Amica was not far behind, scoring 89%. State Farm was a percentage point lower at 88%, while Nationwide and Progressive scored in the lower 80th percentile.

Company Claims handling
Amica 89%
Farmers 94%
Allstate 77%

How is Amica’s digital experience?

Eighty-six percent of Amica’s customers were satisfied with their digital experience, among the top five national insurers in the survey. Most insurers ranked within the 80th percentile, including Geico, State Farm, Allstate and Farmers.

Company Digital/online experience
Amica 86%
Nationwide 96%
Progressive 89%

How does Amica score for discounts?

Amica’s customers gave an 80% satisfaction score for discounts. While Nationwide led in this category at 86%, Amica was No. 2 in the category. Most insurers fell within the 60th percentile in this category, including Allstate, State Farm, Geico and Progressive.

Company Discounts
Amica 80%
Allstate 67%
Travelers 52%

How does Amica score for bundling policies?

Bundling home and auto policies saves customers money, and 89% were satisfied with Amica’s services. The insurer scored slightly lower than Nationwide’s top score of 92%, but rated higher than Geico, Allstate, State Farm and Farmers.

Company Bundling
Amica 89%
Nationwide 92%
Travelers 70%

Amica car insurance coverages

  • Auto 
  • Motorcycle 
  • RV and trailer

Amica additional policies

  • Home 
  • Life 
  • Umbrella 
  • Condo 
  • Renters 
  • Flood 
  • Retirement 
  • Marine 
  • Small business

Amica car insurance coverage options

  • Personal injury protection
  • Bodily injury liability 
  • Property damage 
  • Uninsured/Underinsured motorist 
  • Collision 
  • Comprehensive 
  • Auto loan/lease coverage
  • Full glass coverage 
  • Roadside assistance 
  • Rental reimbursement

Amica car insurance discounts

  • Bundle 
  • Loyalty 
  • Homeownership 
  • Multi-car 
  • Young driver training 
  • Good student 
  • Student away at school 
  • Accident-free
  • Defensive driver training 
  • Street Smart by Amica
  • Anti-theft 
  • Electronic stability control 
  • Passive restraints 
  • Forward collision warning 
  • Adaptive headlights 
  • Paid in full 
  • Auto pay 
  • Paperless

States where Amica offers coverage

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Table
States where Amica offers coverage
Arizona
Arkansas
Connecticut
Delaware
Maine
Maryland
Massachusetts
New Hampshire
New Mexico
New York
North Carolina
Oregon
Pennsylvania
Rhode Island
Vermont
Virginia
Washington
Washington D.C.
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
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Company background

Amica

Amica was founded in 1907 as the Automobile Mutual Insurance Company of America in Providence, Rhode Island. It’s the country’s oldest mutual insurer of automobiles, with nationwide locations. Although it’s a smaller insurance company than well-known companies such as State Farm and Nationwide, it has proven to be an exceptional option for many customers.

Resources & Methodology

Methodology

In the fall of 2024, Insure.com surveyed more than 1,750 insurance consumers (1,199 people with auto insurance). Online market research company Slice MR conducted the survey.

Respondents were asked to name their auto insurer and then grade it in the following categories: 

  • Customer satisfaction
  • Ease of service 
  • Policy offerings
  • Claims satisfaction
  • Digital experience (website/app)
  • Discounts offered
  • Fair rate increases over time
  • Insurance for young drivers/teenagers
  • Insurance for college students
  • Insurance for senior drivers
  • Insurance for drivers with tickets or accidents
  • Auto and home bundling

The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

We then asked respondents to provide a yes or no response to indicate their agreement with the following statements:

  1. I plan to renew with my current auto insurance company
  2. I would recommend my auto insurance company to others
  3. I trust my auto insurance company

The percentage of respondents who said yes is presented in the results.The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation.

They then collected AM Best data, which measures financial strength, and National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives. The Insure.com team identified the NAIC codes of each underwriting company for each carrier and calculated a weighted average complaint index, weighted by the annual written premium. The associated NAIC complaint index score was used in the calculations.

They also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector. For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • AM Best: 25% of total score
  • Annual premium: 20% of total score
  • NAIC: 15% of total score

Each insurer was awarded between half a star and 5 stars. No company in the ranking received less than half a star in any category, and 5 stars was the most any insurer could receive.

author image
Katrina Raenell
Contributing Researcher

 
  

Katrina Raenell is a writer, editor and educator with 20 years of experience in content and communications for international organizations, nonprofits and start-ups. In her previous roles, she was a communications manager for study abroad, content project manager for higher education and finance websites, reported on arts and culture, and was a managing editor for an online health and wellness publication.

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