Auto Insurance · Editor review

Amica auto insurance review.

4.3/5· Reviewed by CarSavr editorsUpdated: June 29, 2026

Best for: Drivers who put claims service and customer satisfaction ahead of the lowest opening price.

Reviewed by CarSavr Editorial TeamReviewed Jun 29, 2026Editorial standards

Avg annual premium · 2024 national avg

$1,480

A.M. Best rating

A+

Provider type

carrier

Coverage

50 states

What we like

+J.D. Power 877, second only to USAA in our carrier set
+Lowest NAIC complaint ratio of the carriers we track (0.28)
+Mutual company: dividend policies can return part of your premium
+Available in all 50 states + D.C.
+A+ (Superior) A.M. Best financial strength

What we don't

−Opening quotes often 10–20% above peers for similar drivers
−Dividends are not guaranteed and take 12+ months to arrive
−Fewer local agents than State Farm or Allstate
−Not the cheapest pick for high-risk drivers

Editor's verdict

Amica Mutual is the oldest mutual auto insurer in the U.S. (founded 1907) and sells in all 50 states plus D.C. Its J.D. Power score of 877 and NAIC complaint ratio of 0.28 are among the best in our carrier set. Opening quotes usually run above peers, though dividend policies can return part of the premium after the first year. Best for drivers who value service and expect to stay long term.

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Amica Insurance FAQ

Is Amica worth the higher price?+

If claims service matters most to you, often yes. Amica's satisfaction and complaint data are among the best available. If price is your only priority, compare it against GEICO, State Farm and regional carriers first.

How do Amica dividends work?+

On dividend policies, Amica may return part of your premium at the end of the policy term. Dividends depend on company results and are not guaranteed.

Is Amica available in every state?+

Yes. Amica writes auto insurance in all 50 states and Washington, D.C.

Does Amica offer bundling discounts?+

Yes. Bundling auto with home, condo or renters insurance usually earns a multi-policy discount.

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Amica auto insurance by state

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