Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Apr 1, 2019

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Amica Mutual Insurance is the parent company of a variety of subsidiaries specializing in insurance for automobile, marine craft, homeowners, and personal umbrella coverage.

The company is annually rated the highest in customer satisfaction by several standard reporting firms.

In fact, the company has been rated highest in customer satisfaction for 12 consecutive years, although the name is not recognized by many people, due to the lack of aggressive advertising on the part of the company.

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Amica Mutual History

Amica was founded in 1907 by Adolph T. Vigneron of Providence, Rhode Island. Mr. Vigneron was one of the first to practice preferred risk underwriting, a habit he learned from his employer, Associated Factory Mutual Fire Insurance Companies.

At the time, preferred risk was a new concept, but Vigneron moved forward with the idea, based on the logic that those customers who caused less risk to their insurers by observing safety rules should benefit from lower premium rates.

He applied this concept to his new company, organizing Amica as a mutual insurance company, owned by the policyholders rather than shareholders. As the number of cars on the road grew, the company kept pace, opening offices in Boston in 1941 and eventually in 39 other cities across the United States.

While Amica is not a “household” name like some other big companies, it still has vast holdings and strong financial stability. Amica operates on a conservative investment policy, which protects the company’s holdings and allows for modest growth.

A.M Best Company gives Amica a “superior” rating, or A++, the highest the company gives, for its financially sound principles. Customers purchasing Amica insurance products do not have to worry that the company may not have money to pay its claims.

Amica also manages its own holding, rather than employing shell companies, which can cause exposure if a company fails for some reason. The company’s total assets are reported to the policyholders each quarter, and policyholders benefit from financial gains by the company each year.

Amica does not engage in aggressive saturation advertising strategies like Geico, State Farm and many of its competitors.

While some companies rely on identifiable television icons or internet ads, Amica prefers its customers to hear about the excellent service from other satisfied customers.

Amica is also less well-known because of its sales strategy. Amica does not employ agents, and does not offer its products through independent agents. This means that you cannot walk into your local insurance office and purchase Amica products.

Rather, the company saves the commission fees normally paid to agents and uses those savings to keep affordable premiums.

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Amica Mutual Customer Service Review

Amica has consistently been rated the highest in customer satisfaction of any insurance company in America by J.D. Power and Associates, an independent rating firm. In fact, Amica has been ranked number one by J.D. Power for the past twelve years.

Amica scored “excellent” in every category, which includes “Overall Satisfaction,” “Policy Offerings,” “Pricing,” “Billing and Payment,” and “Contacting the Insurer.” Furthermore, out of a 1000-point index of customer satisfaction, Amica exceeded the industry standard by more than 50 points with a 843 /1,000 score.

It is clear that Amica’s customers are very happy people.

How much is Amica Auto Insurance?

Rates for Amica’s auto insurance products are often competitive, as well. Amica’s rates are well below the average in California at $839 for the state, $825 for young males, and $750 for young females.

In New York, the disparity between the state average and Amica’s rates is even greater, with Amica charging only $1,382 for premium coverage on average. New York residents generally pay three times this for auto insurance coverage. Young New York males paid only $2,288 on average for Amica, and young females paid $1,629.

However, in Arizona, Amica’s premiums run higher than average, with the state average being $3,190, young males paying $5,083, and young females paying $3,498. Of course, the only certain way to determine Amica’s rates in your area is to get a quote from the provider.

You can do this online at the Amica website or you can contact the company through email or phone. As Amica does not employ agents, someone at the company will handle your quote and will contact you with pricing information.

Remember that you will have to provide certain information to obtain an accurate quote, including information about your driving record and your vehicle.

The company is headquartered in Lincoln, Rhode Island, and serves most of the 50 states, excluding Hawaii, Alabama, the District of Columbia, and Iowa.

Use our FREE quote tool to compare auto insurance rates today!

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