Amica Mutual Insurance

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This profile will tell you all you need to know about Amica Mutual Insurance. You’ll learn which states the company serves and where the company fits in terms of financial strength. We also provide insight into how consumers view the company. You'll also learn about the many discounts Amica offers. Finally, we’ll walk you through how Amica handles its claims process. Then you should have all the tools you need to decide if Amica is right for you.

Best If

  • You want a straightforward claims process

Worst If

  • You’re relying on great customer service

By The Numbers

  • Amica Mutual has 44 offices across the country
  • Operates in all 50 states (except: Hawaii), and Washington D.C.

Consumer Reviews

    • Gave Amica 2 out of 5 stars based on 36 ratings out of 82 reviews
    • Reviewers said Amica has great prices and keeps your rates low if you’re a low-risk client
    • Some reviewers expressed resentment for Amica’s sometimes faulty customer service or habit of dropping clients without notice
    • Gave Amica 4.5 out of 5 stars
    • Reviewers praised Amica for its quick follow-up after accidents, but some said they were disappointed when their rates increased without notice
  • Better Business Bureau
    • Gave Amica an A+ rating; BBB accredited since 1957
    • Its length of time in business as well as response rate to complaints filed against it contributed to Amica's high ratings

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Total Complaints
Percent Change
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: N/A
  • Central: N/A
  • Florida: N/A
  • Mid-Atlantic: N/A
  • New England: 855 — above average
  • New York: N/A
  • North Central: N/A
  • Northwest: N/A
  • Southeast: N/A
  • Southwest: N/A
  • Texas: N/A

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Above average
Policy Offerings
Above average
Local Agent
Call Center Representativ
Among the best
Insurer Website

U.S. Auto Insurance Claims Satisfaction Study (2015)

Overall Satisfaction
Among the best
First Notice of Loss
Among the best
Service Interaction
Among the best
Repair Process
Rental Car Experience
Below average
Among the best
Source: J.D. Power

Financial Ratings

A.M. Best
Superior rating; highest possible
Good rating; strong capacity to meet financial commitments but prone to changes in economic conditions; third-highest rating possible

Market Share

Amica’s market share is 3.29 percent as of 2015. According to the NAIC, the company wrote about $1.13 billion in auto insurance premiums.

Typical Discounts

Legacy Discount. For drivers under 30 who have been with Amica under a family member’s insurance policy.

Anti-Theft Devices Discount. This discount is awarded to customers who install anti-theft devices. For example, an alarm system, active or passive alarms, or vehicle recovery/tracking systems.

Electronic Stability Control Discount. For cars with four-wheel electronic stability control system.

Platinum Choice Auto. Another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can acquire multiple levels of security for your car all in one package. Some of the benefits of Platinum include being able to customize your package policy with single coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

Roadside Assistance

Amica Roadside Assistance

Roadside Assistance is part of Amica's Towing and Labor coverage add-on to your current auto policy. Even without Towing and Labor coverage, Amica roadside assistance can still help you get service to your car.

Roadside Services Covered

  • Towing (non-accident related)
  • Changing flat tires
  • Jump-start battery
  • Delivering fuel
  • Unlocking doors

Contact Phone Number

Call 866-286-9968 to receive help on the road almost instantly. 

Mobile Apps

Amica Mobile. This app helps you access the company’s website from your mobile device. From there, you can make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile here


A.T. Vigneron established Amica in 1907 in Providence, Rhode Island. At first, Amica was organized as a mutual insurance company, owned by policyholders instead of stockholders. At that time, it offered only auto, fire, and theft insurance. Later in the century it added homeowners, marine, and personal excess liability insurance. In 1970, Amica also began selling life insurance under Amica Life Insurance.

Today, Amica’s headquarters reside in Lincoln, Rhode Island, and it is a direct writer of personal insurance. It is well known for its financial strength as well as for having excellent customer service. Also, Amica is the oldest mutual insurer of cars in the United States.

Claims Process

To file a claim with Amica Mutual Insurance, click here.

Another unique aspect of Amica is its Claims Advisor feature. A virtual Amica advisor walks you through the process of filing and tracking a claim. Each claim is assessed differently. So the results may vary based on the types of damages and type of claim you file with Amica.

Contact Information

Claims Site
Customer Service Site

Mailing Address:

For Auto Policies:

Amica Mutual Insurance Company
PO Box 9128
Providence, RI 02940-9128

Corporate Office Address:

Corporate Office
100 Amica Way
Lincoln, RI 02865-1167

Customer Service Phone Number: 1 (800) 242-6422