Insure.com ranks 2025’s best insurers. See the winners.
Amica earned 4.73 out of 5 stars on our best home insurance companies list for 2025, making it the No. 1 national company in our ranking. It offers the cheapest home insurance of the companies we ranked with an average rate of $2,000 a year.
Leslie is a home and auto insurance expert, educator and content creation professional. She has nearly two decades of experience in the insurance industry, first as a customer service representative at Farmers Insurance and now as a researcher and writer for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. She also has written for insurance shopping sites such as ExpertInsuranceReviews.com and InsuranceHotline.com.
John is an insurance expert and editor with more than 20 years of personal finance experience. He writes and edits for QuinStreet’s CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, he was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance and technology.
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Amica earned the No. 1 spot on the 2025 list of the Best Home Insurance Companies, based on our comprehensive analysis of rates, third-party ratings and our own survey of home insurance customers.
Amica is the top-rated national insurance company and the cheapest, with an average annual rate of $2,000, well below the national average. Amica is a direct-buy company that doesn’t work with agents, allowing it to keep rates down. Our survey found that this doesn’t seem to affect the customer experience. The company scored over 80% in every category on our survey, and 88.9% of customers surveyed plan to renew with Amica.
Amica has earned top marks from J.D. Power for years, creating a longstanding reputation for excellent customer service, and its home insurance is available in almost every state.
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.
Below is our review of Amica. It’s based on third-party metrics, including two J.D. Power studies (Home Insurance Study and Property Claims Satisfaction Study) and an in-depth survey of insurance customers. Find the full methodology here.
Of the companies we ranked, Amica offers the cheapest home insurance, with an average annual rate of $2,000, hundreds below the national average of $2,604. Allstate and Auto-Owners are close in terms of rates, but Amica is well below big competitors like Progressive.
Amica scored very well for customer satisfaction, coming in first among national insurers and first overall when compared with regional carriers.
Amica scored below some competitors in the policy offerings category; 84.6% of respondents were satisfied. Amica, however, out-scored some other competitors like Progressive.
Customers gave Amica a solid score for ease of service, although some carriers scored higher. Survey respondents reported a satisfaction rate of 88.9% with the ease of getting the service they need from Amica. At 100%, Erie topped this category.
Amica was ranked squarely in the middle in this category, with 85.2% of customers surveyed saying they would recommend the company to others. That’s a solid percentage and indicates customers are largely pleased.
Trust is an important factor when choosing an insurance company. Among those surveyed, 81.5% of customers say they trust Amica. Competitor scores ranged from 79% to 89%.
Our survey found that 88.9% of Amica customers plan to renew their home insurance policy. Most of the companies rated a bit higher, with Safeco scoring the highest at 100%. Overall, Amica does seem to have earned its customers’ loyalty.
Amica scored well for claims handling, with 95.7% of customers reporting satisfaction with the process. Only Erie scored higher in this category, at 100%. The carriers received high J.D. Power claims scores of 906 and 888 out of a possible 1,000, respectively.
Digital experience is a strength for Amica, with 92.6% of customers rating Amica favorably, which is important for a direct-buy insurer. Among other carriers, scores ranged from 75% to 94%.
The Amica app is rated better in the Apple store, at 4.8 stars than on the Google Play store at 3.3 stars.
Among respondents, 89.5% of customers said auto and home bundling was great with Amica. This was the highest score among home insurance customers after USAA, which is only available to military members and their families. Other carriers’ scores varied widely, from 61% to 90%. Amica’s home and auto bundle discount is 15%, which is average for the industry, although some companies offer larger discounts.
Amica ranked first in this category, with 84.6% of customers surveyed saying they were satisfied with their discounts. This was a tough category for most carriers, with only one other carrier, Nationwide, breaking 80%.
Amica does offer a good selection of home insurance discounts, including a loyalty discount and a discount for remodeling your home.
*All states except Hawaii, Alaska and D.C.
Founded in 1907, Amica is the oldest mutual auto insurance company in the U.S. and has been writing homeowners insurance since 1956. Amica continues to operate as a mutual company and offers dividend policies that pay customers back when the company performs well, up to 20% of premiums paid.
Sources:
Amica. “About Us.” Accessed March 2025.
Amica. “All Products.” Accessed March 2025.
J.D. Power. “2024 U.S. Home Insurance Study.” Accessed March 2025.
J.D. Power. “2024 U.S. Property Claims Satisfaction Study.” Accessed March 2025.
Insure.com in the fall of 2024 surveyed more than 1,750 insurance consumers (1,011 people with home insurance). The survey was conducted by online market research company Slice MR.
Respondents were asked to name their home 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 measure 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 home 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.