Amica Mutual Insurance Review 2026Service-focused buyers who value claims handling over the lowest price
Amica Mutual Insurance Company is a mutual insurer that provides personal auto, home, and life coverage to customers across the United States. Founded in 1907, it is one of the oldest mutual automobile insurers in the country and is generally known for a customer-service focus and its dividend policy options. As a mutual company, it is owned by its policyholders rather than outside shareholders.
Amica Mutual at a Glance
Founded
1907
Headquarters
Lincoln, RI
AM Best (financial strength)
A+
J.D. Power (satisfaction, approx.)
851
NAIC complaints vs. expected
Fewer than expected
Coverage & Products
- ✓Auto insurance
- ✓Homeowners insurance
- ✓Renters insurance
- ✓Condo insurance
- ✓Life insurance
- ✓Personal umbrella liability
- ✓Marine and watercraft insurance
Discounts
Pros
- +Long-standing reputation for customer service and claims handling
- +Offers dividend policies that can return a portion of the premium to policyholders
- +Broad bundling options across auto, home, and life
- +Well-established, long-operating mutual insurer owned by its policyholders
Cons
- −Premiums tend to run higher than some budget-focused competitors
- −Fewer local storefront agents than large national carriers, given its direct-oriented model
- −Discount selection may be narrower than some larger insurers
- −Product availability and options can vary by state
Amica Mutual — Frequently Asked Questions
Is Amica Mutual a financially strong insurance company?
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Amica Mutual carries an A.M. Best financial-strength rating of A+. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
How is Amica Mutual's complaint record?
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In NerdWallet's analysis of 2022-2024 NAIC complaint data, Amica Mutual drew fewer complaints than expected for a company of its size. That is a qualitative band, not an exact index: the NAIC tracks complaints per legal entity, line of business, and year, so results vary by subsidiary and state. Look up the specific company on the NAIC Consumer Insurance Search (content.naic.org) before you buy.
How do I get a quote or contact Amica Mutual?
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You can request a quote or reach Amica Mutual at amica.com or by phone at 1-800-242-6422. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
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Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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