Insure.com ranks 2025’s best insurers. See the winners.
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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Laura is an insurance expert with more than 15 years of experience educating people about personal finance topics and helping consumers navigate the complexities of auto insurance. She writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Prior to joining QuinStreet, she worked as a reporter and editor at the USA Today Network.
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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.
AM Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.
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.
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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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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:
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:
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.
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.