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.
Founded
1907
Headquarters
Lincoln, RI
AM Best (financial strength)
A+
J.D. Power (satisfaction, approx.)
851
NAIC complaint index
0.44
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.
Amica Mutual has a NAIC Complaint Index of about 0.44, where 1.00 is the market average. A value below 1.00 means fewer complaints than expected for its market share. Complaint indexes vary by state and year — verify at content.naic.org.
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.
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 2026-06-14
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