Reviews Report
- Amica is included in J.D. Power’s current-year Claims Satisfaction research for auto and home; consult the 2025 study pages for Amica’s latest scores and rankings by segment
- A+ (Superior) Financial Strength Rating from AM Best with Outlook: Stable — indicating a superior ability to meet ongoing insurance obligations (AM Best Rating Center; FSR definitions)
- Optional dividend policies may return up to about 20% of premium when declared; dividends are not guaranteed and availability varies by state and product (learn more)
Amica Mutual Insurance offers personal lines across auto, home and life as a mutual insurer, which lets eligible customers choose dividend policy options in many states. Independent benchmarks show strong financial footing (AM Best A+ Superior; Outlook: Stable) and solid customer satisfaction across multiple 2025 J.D. Power studies. Because J.D. Power publishes distinct annual studies — homeowners, property claims, auto claims, regional auto insurance satisfaction, shopping, and digital experience — Amica’s position varies by study and region; see the latest releases for details (Home Insurance Study; Property Claims Satisfaction; Auto Claims Satisfaction; Auto Insurance Study (regional); Insurance Shopping; Insurance Digital Experience).
Dividend policies are optional and not offered in every state. When declared, dividends are typically paid as a percentage of premium and can be issued as a check or applied to future bills; actual percentages vary by line and state and can be up to about 20% in some cases (Amica dividend details). Independent reviews also note the dividend option and tradeoffs (NerdWallet).
Amica’s digital experience centers on essential self-service: online and mobile access for billing and payments, digital ID cards, and 24/7 claims initiation and status tracking (Amica Claims; amica.com). App store listings for iOS and Android show ongoing updates focused on performance and usability. Industry benchmarks emphasize rising expectations for seamless, end-to-end digital journeys across sales and service (J.D. Power Insurance Digital Experience Study; see live listings: Apple App Store, Google Play).
Amica Insurance Overview
| J.D. Power Customer Satisfaction Score J.D. Power scores are based on surveys for customer satisfaction and product quality. | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | ||
|---|---|---|---|
| Pin Auto insurance | See 2025 J.D. Power study results (regional and by segment) | A+ (Superior), Outlook: Stable | |
| Pin Home insurance | See 2025 J.D. Power study results (homeowners & claims) | A+ (Superior), Outlook: Stable | |
| Pin Life insurance | N/A | A+ (Superior), Outlook: Stable |
Amica Auto Insurance
Recent J.D. Power research shows Amica performs well in auto claims satisfaction; see the 2025 U.S. Auto Claims Satisfaction Study for Amica’s latest score and ranking. Amica offers standard auto coverage plus options like full glass coverage, gap insurance, and rental reimbursement, along with accident forgiveness that may reduce surcharges after an at‑fault accident (availability varies by state).
As a mutual insurer, Amica lets many customers choose a policy that may issue a dividend when declared — commonly described as up to about 20% of premium depending on state and product. Dividends are not guaranteed and are approved annually.
For high-end coverage, Amica’s Platinum Choice Auto can include features such as glass repair with no deductible, credit monitoring, new car replacement, and enhanced rental coverage.
Strengths: Dividend policy option; robust add‑ons (e.g., full glass, gap); broad discount set; solid standing in recent J.D. Power customer and claims satisfaction research (Auto Claims; Auto Insurance – regional results).
Restrictions: Digital self‑service is focused on core tasks and may feel more foundational than top digital leaders (J.D. Power Digital Experience Study). Some coverages and discounts vary by state. Auto insurance is not offered in all states — for example, Amica does not offer auto insurance in Hawaii (Amica auto; NerdWallet).
Discounts: Loyalty, homeownership, bundling, multi-car, student driver, good student, accident-free, defensive driver, anti-theft, passive restraints, adaptive headlights, forward-collision warning, paid in full, autopay, and paperless.
Amica Home Insurance
Amica consistently appears near the top tier of homeowners-related customer research. For current performance, see J.D. Power’s latest U.S. Home Insurance Study (overall homeowners satisfaction) and the U.S. Property Claims Satisfaction Study (home claims experience). Standard policies include dwelling, other structures, personal property, personal liability, and loss of use coverage.
Optional enhancements include identity fraud coverage, valuable items coverage, and extended dwelling coverage (commonly up to an additional 30%) if repair or rebuild costs exceed the base dwelling limit. Home business endorsements may be available to extend protection for equipment and liability; availability varies by state.
For premium protection, Amica’s Platinum Choice Home package layers higher dwelling coverage, water backup/sump overflow, credit card coverage, and additional protection for computers and other technology.
Strengths: Wide range of optional coverages and discounts; dividend policy option in many states; strong homeowners and property claims satisfaction signals in recent J.D. Power research.
Restrictions: Availability varies by state; some discounts and add‑ons are not offered everywhere. Independent sources report Amica homeowners coverage is not available in Alaska or Hawaii (Bankrate); confirm eligibility during quoting on amica.com.
Discounts: Loyalty, claim-free, multi-line, autopay, e-discount, alarm system, new/remodeled home, automatic detection devices (water or gas leak, or temperature monitoring system)
Amice Life Insurance
Amica offers two primary life insurance types: term life and whole life, with online quotes and a streamlined application. Some applicants may qualify for accelerated (no‑medical‑exam) underwriting based on age, amount, and risk profile; availability varies by state (Amica Life; NerdWallet).
Term life policies feature level premiums and a conversion option to permanent coverage during an eligible window. Whole life policies provide lifetime coverage, guaranteed level premiums, cash value accumulation, and may be participating (eligible for non‑guaranteed dividends); common riders include accelerated death benefit, waiver of premium, children’s term, and accidental death where available (Forbes Advisor; U.S. News).
Strengths: Focused lineup (term and whole life); digital quote and application flow; eligibility for accelerated underwriting for some applicants; selection of standard riders.
Restrictions: No universal or variable life products. Availability is not nationwide; independent sources report Amica Life does not issue policies in New York — verify current eligibility on Amica Life and during quoting (NerdWallet; U.S. News).
