Amica Mutual Review

By: Carl Laron on April 30, 2015

Bottom Line

Though its name isn't as recognizable as larger insurers, policyholders say Amica Mutual really shines when it comes to homeowners insurance. The company offers professional, accessible customer service, a quick claims process and fair payments, customers say. Amica also receives kudos for a wide range of policies and discounts, though a few coverage options are lacking. Some customers complain Amica is too picky about who it will insure.


  • Pays quickly after claims
  • Fair damage estimates
  • Well-reviewed customer service
  • Wide variety of plans and discounts


  • Lacks local agents
  • May be picky about customers
Our Analysis

Breaking it down


Noted claims service. Home insurance policyholders give AmicaMutual top marks for making timely payments after claims in a large national survey. Customers are also satisfied with damage estimates and say the repairs process was fairly smooth. Expert reviewers like the company's Home Repair Assistance Program, which helps connect homeowners with contractors that Amica has already vetted for prompt, professional work. A few customers complain that the company overvalued their homes and raised rates based on inflated numbers. Coverage is available in every state but Hawaii.


Helpful but picky. Amica Mutual gets top marks for customer service, with policyholders saying they're satisfied with availability of homeowners insurance. Consumers are happy with the variety of policies, add-ons and prices, though expert reviewers say the company lacks some coverage options, including for farmers, mobile homes and older homes that have not been updated. They offer a good variety of discounts but only two payment options. Some complain that Amica is overly picky about its policyholders, denying coverage for all but the lowest-risk customers. There are no local agents; the company does business over the phone or online. Policyholders can report claims 24 hours a day.

Our Sources

1. Consumer Reports
Editors of, Not Dated editors rate about two dozen national and regional auto insurers. The ratings are reliable and unbiased, and are based on customer surveys that focus on satisfaction with speed of service, the claims process, estimates and premiums. Unlike other products, there are no in-depth reviews of the insurers with editorial comments.

Alan Seeley, Nov. 24, 2015

Alan Seeley, who is the Chief Actuary at the New Mexico Office of the Superintendent of Insurance, evaluates 175 auto insurance companies, and names his two top picks -- Amica for "Best Overall" and State Farm "Best in Customer Service and Interaction." He says that Amica Mutual scores the highest in his key performance indicators of financial rating, J.D. Power ranking, and national availability. He notes that Amica could use a better quote process.

Editors of J.D. Power and Associates, Oct. 26, 2015

Amica Mutual receives a perfect rating of 5 circles out of 5 for overall customer satisfaction. It receives 5 circles for first notice of loss and settlement; 3 circles for service interaction and the repair process; and 2 circles for rental-car experience. Ultimately, Amica Mutual is the second-highest ranked car insurer in this survey.

Editors of J.D. Power and Associates, April 29, 2016

Amica Mutual gets an overall score of 833 out of 1,000, above the industry average of 826, for overall purchase experience in J.D. Power and Associates' auto insurance shopping study. Amica's total circle rating is 4 out of 5.

Contributors to, As of July 2016

Amica Mutual earns 3.2 stars out of 5 in more than 105 reviews. Ratings include home and life insurance, which appear to skew the results lower. Customers report competent, thorough, prompt service from representatives, but some say their rates shot up without warning, and a few report claims issues.

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