Amica Mutual Insurance is one of the oldest and most respected mutual insurance companies in the United States, founded in 1907 in Providence, Rhode Island. As a true mutual company owned by its policyholders rather than shareholders, Amica has consistently prioritized customer service quality over aggressive growth, resulting in industry-leading customer satisfaction rankings year after year.
The company is particularly known for consistently topping J.D. Power customer satisfaction studies in both auto and home insurance categories, often ranking number one nationally. Amica’s dividend policy program returns a portion of premiums to qualifying customers each year, providing a unique value proposition not commonly offered by major insurers.
The company holds an A+ (Superior) rating from A.M. Best, indicating strong financial security for policyholders.
Auto insurance with dividend policy option, homeowners insurance with dividend policy option, condo insurance, renters insurance, life insurance including term and whole life, umbrella insurance, marine and boat insurance, classic car insurance, motorcycle insurance, identity theft monitoring, retirement and annuity products, small business commercial insurance, personal articles coverage for jewelry and valuables, and flood insurance through the National Flood Insurance Program.
States Served
Amica Mutual operates in all 50 states and Washington DC, providing nationwide coverage availability for customers.
Key Strengths
Consistently ranking number one in J.D. Power customer satisfaction studies for both auto and home insurance
Unique dividend policy program that returns a portion of premiums to qualifying customers annually
A+ (Superior) financial strength rating from A.M. Best
True mutual company structure owned by policyholders rather than shareholders
Over 117 years of continuous operation
Nationwide availability in all 50 states
Comprehensive bundling discounts when combining auto and home
Dedicated personal lines specialists rather than commission-driven agents
Automatic glass repair coverage on auto policies
Identity fraud expense coverage included on home policies
Comprehensive coverage options for high-value homes and luxury vehicles
Strong customer retention rates indicating high satisfaction
Multi-policy and multi-vehicle discounts
Loyalty discounts for long-term customers
Claim-free discounts
Automatic payment and electronic delivery discounts
Good student discount for full-time students
Automobile club membership discount
Accident forgiveness for qualifying customers
Coverage and Information
This category covers everything you need to know about Amica Mutual Insurance including coverage options, the dividend policy program, pricing, available discounts, claims process, and detailed comparisons against other major insurers.
