Amica auto insurance review 2026
A service-first mutual insurer with excellent claims scores, near-nationwide availability, and one of the highest premiums in this review.
- Market share
- 0.4% of U.S. auto
- AM Best rating
- A+
- Availability
- 49 states and D.C. — not available in Hawaii
A national average is not a quote. Compare Amica against 50+ insurers on your own ZIP, vehicle, and record.
How Amica scores
Each category is scored against a published figure, then weighted into the overall score. Where a figure is not published, we say so rather than estimate one.
Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.
Strengths and trade-offs
What Amica does well
- Claims score well above the segment average, and a better-than-expected complaint record
- Seventeen published discounts, with bundling up to 30% and multi-car up to 25%
- Dividend policies return 5–20% of premium under certain conditions
- Platinum Choice package bundles full glass with no deductible, identity fraud monitoring and up to $5,000 rental cover
- Available in 49 states and D.C. — far wider reach than most service-first insurers
Where it falls short
- 34% above the national average — one of the most expensive carriers in this review
- Google Play rating of 3.2, one of the lowest here
- Not available in Hawaii
- StreetSmart discounts do not start until your second policy period
The full review
Amica is a mutual insurer, owned by its policyholders, founded in 1907 and built almost entirely on a reputation for service. It writes 0.44% of the national auto market — the smallest share of any carrier in this review — while being available in 49 states and D.C., which is an unusual combination and tells you it competes on quality rather than reach.
What it costs, and it is a lot
$3,167 a year for full coverage on our benchmark profile — 34% above the $2,356 national average, and roughly double what Travelers charges for the same profile. Amica's dividend policies return 5% to 20% of premium under certain conditions, which narrows the gap somewhat but does not close it. Anyone considering Amica should quote it against a cheaper carrier and decide deliberately what the difference is buying.
What the money buys
718 out of 1,000 in the J.D. Power 2025 claims study, eighteen points above the segment average, and fewer complaints than a company its size would be expected to draw. It also won J.D. Power's New England region in the 2026 auto insurance study with 702 — though it is rated in only that one region, so that result should not be read as a national ranking.
Discounts and the Platinum Choice package
Seventeen published discounts, including bundling at up to 30% and multi-car at up to 25%, plus loyalty credit for having held any auto insurance for two years and a homeownership discount that applies even if the home is insured elsewhere. Platinum Choice bundles full glass coverage with no deductible, 24/7 identity fraud monitoring, and rental coverage up to $5,000 with no daily limit.
Amica publishes up to 20% off premium for StreetSmart and up to 10% for participation — but states that discount eligibility does not start until your second policy period.
It is also published as available in 30 states, and Amica notes that not all participants will be eligible for a discount at all.
Who it suits
Amica suits drivers who have had a bad claim somewhere else and decided never again — people for whom the difference between a 673 claims score and a 718 is worth real money. It suits price-sensitive drivers badly. And Android users should know the Play Store rating is 3.2 against 4.82 on iOS, which is a large gap for a company selling on service.
Amica is what you buy when service matters more than price, and it does not apologize for the premium. The claims score, complaint record and dividend structure are all genuinely good. But at $3,167 a year it costs roughly twice what Travelers does on the same benchmark, and that gap buys a lot of self-insurance. This is a defensible choice, not an obvious one.
Compare Amica head-to-head
Every pairing gets its own side-by-side breakdown across the same six categories.
Amica questions, answered
The things people actually ask before switching.
Where Amica sits in the market
No published rate data, so no honest position on the horizontal axis: Liberty Mutual, NJM, Clearcover, Elephant, Lemonade, Root, Texas Farm Bureau. Below the J.D. Power study’s size threshold, so no position on the vertical axis: Kemper, Shelter, Chubb, COUNTRY Financial, MAPFRE, Plymouth Rock, The Hanover. That study samples only the largest insurers, so these carriers will not appear in a future wave either. Premiums from NerdWallet’s August 2026 analysis; claims scores from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study. USAA is scored but not ranked in that study because it serves the military community only.
Not plotted, because no public rate data exists for them: Liberty Mutual, NJM, Clearcover, Elephant, Lemonade, Root, Texas Farm Bureau. Complaint bands from NerdWallet’s analysis of NAIC complaint data, 2022–2024 (2021–2023 for Liberty Mutual and Mercury). We show the band rather than a numeric complaint index on purpose — the per-carrier indexes published by different compilers contradict each other badly enough to be unusable, because the index is reported per underwriting subsidiary and most sources do not say which one they used.
Amica by state
Amica writes in 49 states. If yours is not listed, it is not an option there at any price.
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