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Is Amica Mutual Insurance Right for You? An Independent Review (2026)

Amica Mutual is one of the oldest and most consistently top-rated auto insurers in the United States — regularly earning the highest customer satisfaction scores in the industry. But Amica's premium pricing and limited marketing presence mean many drivers overlook it. Here's a complete look at what Amica offers and whether it's the right choice in 2026.

Amica Mutual Insurance overview

Founded in 1907 in Providence, Rhode Island, Amica Mutual is the oldest mutual auto insurer in the United States. As a mutual company, Amica is owned by its policyholders rather than shareholders — which means profits are returned to policyholders in the form of dividends rather than distributed to investors. Amica consistently earns the highest JD Power auto insurance satisfaction scores nationally, and its claims handling is regarded as among the best in the industry.

Amica Mutual Insurance estimated rates by driver profile (2026)

Independent market estimates for drivers researching Amica Mutual Insurance — not provided by or endorsed by the carrier. All figures are approximate national averages from public industry data.

Estimates based on NAIC rate filings and state insurance department data. Not quotes from Amica Mutual Insurance. Actual premiums are determined solely by the carrier based on your individual underwriting profile.

Amica Mutual Insurance pros and cons

A closer look at Amica Mutual Insurance

Amica is the answer to the question 'what's the best auto insurance if price is secondary to service?' Its JD Power scores aren't just above average — they're consistently the highest in the entire industry. Its claims satisfaction scores reflect a genuine culture of paying claims without friction. The mutual ownership structure reinforces this: without shareholders demanding profit maximization, Amica's incentives are more aligned with policyholders than most public insurers. The tradeoff is price — Amica's base premiums run above average, though the dividend program (which returns 5-20% of annual premium in good years) can close that gap meaningfully for long-term policyholders.

Frequently asked questions about Amica Mutual Insurance

Disclaimer: ReliablePolicy is an independent lead generation and comparison service and is not affiliated with, authorized by, endorsed by, or in any way officially connected to Amica Mutual Insurance. All carrier names and trademarks are the property of their respective owners and are used solely for informational and comparison purposes. Rate figures shown are independent market estimates based on publicly available data and are not quotes, representations, or guarantees of pricing by any carrier. By submitting your information, you may be connected with licensed insurance agents or carriers who will provide actual quotes based on your individual profile. Always verify coverage terms and pricing directly with the carrier or a licensed agent.