Jane Dotson
Amica Insurance has received mixed reviews and ratings from its customers. While some customers have praised the company for its prompt claims processing, excellent customer service, and competitive rates, others have expressed dissatisfaction with its handling of claims, frequent rate increases, and difficulty cancelling policies. Amica has received high ratings from reputable sources, including an A+ (Superior) rating from AM Best for financial stability and high rankings from J.D. Power for customer satisfaction and claims satisfaction. However, it's important to note that insurance rates and experiences can vary based on individual factors such as driving history, age, and location.
| Characteristics | Values |
|---|---|
| Customer satisfaction | Ranked No. 1 in New England in J.D. Power's 2024 U.S. Auto Insurance Study |
| Ranked first for claims satisfaction by J.D. Power | |
| Ranked first for "Highest in Customer Satisfaction With the Property Insurance Claims Experience, Eight Years in a Row" by Forbes Media LLC in 2025 | |
| Ranked first for "Best Home Insurance Claims Experience" in the J.D. Power 2024 U.S. Property Claims Satisfaction Study | |
| Ranked first for "Highest Customer Satisfaction Among National Homeowner Insurers" in the J.D. Power 2017 U.S. Home Insurance Study | |
| Consistently ranked as one of the highest-rated insurers for claims satisfaction by J.D. Power | |
| Receives fewer complaints than other car insurance companies, according to the National Association of Insurance Commissioners (NAIC) | |
| Has an A+ (Superior) rating from AM Best for financial stability | |
| Has a TrustScore based on overall measurement of reviewer satisfaction | |
| Has a rating of 1 star on Better Business Bureau | |
| Rates | Above the national average |
| $3,869 and $1,242 for full and minimum coverage, respectively, for car insurance | |
| $861 for a 6-month car insurance policy | |
| Offers discounts for setting up automatic payments, completing defensive driver training, good student status, being a homeowner, legacy status, loyalty, bundling policies, safety features, students away at school, young driver training, and safe driving habits | |
| Offers dividend payments to customers in some states | |
| Offers lower rates for drivers who go at least three years without an at-fault accident |
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What You'll Learn
Amica's customer satisfaction ratings
Amica Insurance has received high ratings for customer satisfaction from several sources. Amica was ranked No. 1 in New England in J.D. Power's 2024 U.S. Auto Insurance Study, which measured customer satisfaction in 11 geographic regions. Amica also came in first place in J.D. Power's nationwide survey on the claims process. According to the National Association of Insurance Commissioners (NAIC), Amica receives fewer complaints than other car insurance companies.
Amica has also been recognised by Forbes, which ranked it "Highest in Customer Satisfaction With the Property Insurance Claims Experience, Eight Years in a Row" in 2025. Amica also achieved the highest score in five study factors: price, billing process and policy information, policy offerings, claims and interaction. Amica was awarded the title of "Highest Customer Satisfaction Among National Homeowner Insurers" in the J.D. Power 2017 U.S. Home Insurance Study, marking the 17th consecutive year that Amica received an award for customer satisfaction with homeowner insurers.
Amica has an A+ (Superior) rating from AM Best for financial stability, and is consistently ranked as one of the highest for claims satisfaction by J.D. Power. Amica's rates are higher than average, but customers in some states may be eligible for dividends that could lower their annual premiums. Amica also offers a range of discounts, including for safe driving, accident-free records, automatic payment, defensive driver training, good students, homeowners, legacy, loyalty, and multi-policy.
However, there are some negative reviews of Amica's customer satisfaction. Some customers have complained about increasing rates, refusal to pay out claims, and difficulty cancelling policies.
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Amica's financial stability
Amica Insurance has received high ratings for financial stability from several third-party rating companies.
AM Best, a leading insurance rating agency and the nation's authority on insurance company financial stability, has given Amica Mutual Group and its affiliate, Amica Property & Casualty Insurance Company, a financial strength rating of A+ (Superior). This rating system uses a standard letter system, with grades ranging from A through D. AM Best's ratings measure an insurer's financial strength and creditworthiness. Amica Life Insurance Company has also been given an A+ (Superior) rating by AM Best.
In addition to AM Best's ratings, Amica has also been recognised by other sources for its financial stability and competitive rates. For example, The Zebra, a team of insurance experts, has recommended Amica for drivers in covered states, taking into account the company's pricing, coverage, and customer service. Amica's rates are generally considered competitive and average, although they can be higher than competitors like GEICO or Safeco.
However, it is important to note that there are also some negative reviews regarding Amica's financial practices. Some customers have expressed concerns about increasing rates, refusal to pay out claims, and difficulties in cancelling policies. These experiences highlight potential challenges with Amica's financial stability from a customer perspective.
Overall, while Amica has received strong ratings for financial stability from reputable sources, there are mixed customer experiences that should also be considered when evaluating the company's financial stability.
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Amica's auto insurance rates
Amica auto insurance rates are generally considered higher than average. However, Amica offers a range of discounts and benefits that can make its rates more competitive. For example, Amica offers discounts for safe driving habits through its StreetSmart program, which can save users up to 20%. Additionally, Amica provides discounts for young drivers who complete a driver training program, full-time students under 25 with a B average or better, and homeowners. Amica also offers a loyalty discount for customers who have been with any auto insurer for two or more years.
While Amica's rates are higher than those of competitors like GEICO or Travelers, its superior customer service and claims satisfaction ratings may justify the higher cost for some customers. Amica has consistently received high ratings from J.D. Power, ranking first in New England in their 2024 U.S. Auto Insurance Study and in their nationwide survey on the claims process. Amica also boasts an A+ (Superior) rating from AM Best for financial stability, indicating strong financial backing for its insurance policies.
According to a review on The Zebra, Amica's auto insurance rates are fairly average, with a six-month policy costing approximately $861, which is only a 2% premium difference compared to a typical policy. This makes Amica a competitive choice, especially considering its strong customer satisfaction and extensive coverage options. Amica also offers full and minimum coverage options, with add-ons like accident forgiveness and new car replacement.
However, some customers have expressed concerns about increasing rates over time, with one customer on BBB mentioning a 30% premium increase. It's important to note that auto insurance rates can fluctuate due to various factors, including driving history, age, and location. Amica's rates may also vary depending on the specific coverage options selected and any applicable discounts.
Overall, while Amica's auto insurance rates are generally higher than average, they offer competitive pricing, excellent customer service, and a range of discounts that can make their policies more affordable for certain customers.
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Amica's reputation
Amica Insurance has a strong reputation for customer service and claims satisfaction. The company has received high ratings from several third-party rating agencies, including J.D. Power and AM Best.
J.D. Power, a third-party rating company that measures customer satisfaction and claims satisfaction, has consistently ranked Amica highly in its annual insurance company studies. In 2017, Amica was awarded "Highest Customer Satisfaction Among National Homeowner Insurers" in the J.D. Power U.S. Home Insurance Study. Amica also achieved the highest score in five study factors: price, billing process, policy information, policy offerings, and claims and interaction. In 2024, Amica ranked first in J.D. Power's U.S. Auto Insurance Study in New England and in its nationwide survey on the claims process. Additionally, Amica has earned high ratings for claims satisfaction, ranking first in the 2024 U.S. Property Claims Satisfaction Study and receiving the "Best Home Insurance Claims Experience" award.
AM Best, a leading insurance rating agency, has given Amica Mutual Group and its affiliate, Amica Property & Casualty Insurance Company, a financial strength rating of A+ (Superior). This rating reflects Amica's financial stability and creditworthiness. Amica Life Insurance Company has also received an A+ (Superior) rating from AM Best.
Amica's customer satisfaction and claims handling have been recognised by various sources. Amica was ranked "Highest in Customer Satisfaction With the Property Insurance Claims Experience" for eight consecutive years, according to Forbes Media LLC in 2025. Amica's promptness in handling claims and payouts has been praised, with customers highlighting their efficiency and trustworthiness. Amica has also been recognised as a "Best Home Insurance Claims Experience" provider, demonstrating its strong reputation in the industry.
While Amica has received positive reviews and accolades, there are also some negative sentiments expressed by customers. Some customers have shared their dissatisfaction with Amica's rate increases, refusal to pay out claims, and issues with policy renewals. These negative experiences have resulted in low ratings and complaints on platforms such as the Better Business Bureau (BBB).
Overall, Amica Insurance is generally well-regarded, with a strong reputation for customer service, claims satisfaction, and financial stability. Their commitment to customer satisfaction has been recognised through numerous awards and high rankings from reputable third-party rating agencies. However, it is important to consider the diverse experiences of customers, as some have encountered challenges with rate adjustments, claim payouts, and policy-related issues.
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Amica's claims process
Amica Insurance has received numerous awards and recognition for its claims process. Amica has been awarded the "Highest in Customer Satisfaction With the Property Insurance Claims Experience" for eight consecutive years, as of September 2025. The insurance company also received the "Best Home Insurance Claims Experience" award in the J.D. Power 2024 U.S. Property Claims Satisfaction Study. This is Amica's 11th Property Claims award, making it the "Most Awarded Home Insurance Company for Claims Satisfaction".
While most experiences with Amica's claims process have been positive, there have been isolated instances of dissatisfaction. Some customers have reported issues with claim payouts and increasing rates. However, overall, Amica's claims process has received recognition and awards for its efficiency and customer satisfaction.
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Frequently asked questions
Amica Insurance has a TrustScore, which is based on the overall measurement of reviewer satisfaction. Amica Insurance has also received an A+ (Superior) rating from AM Best for financial stability.
Amica Insurance is generally considered to be the highest-rated insurance company. Amica has also been awarded "Highest Customer Satisfaction Among National Homeowner Insurers" in the J.D. Power 2017 U.S. Home Insurance Study. Amica Insurance has also been rated as having higher rates compared to other insurance companies.
Amica Insurance has received high ratings for customer service and has been ranked No. 1 in New England in J.D. Power's 2024 U.S. Auto Insurance Study. Amica Insurance has also been praised for its promptness in handling claims and paying out claims. However, some customers have complained about issues with policy renewals and refusals to pay out claims.
