Amica Car Insurance Review
Amica is the only major U.S. personal-auto writer where policyholders can elect a dividend policy and receive back a portion of annual premium (historical 5–20%) in profitable years. Three facts shape a 2026 decision: the dividend-paying mutual structure, the J.D. Power 2025 New England #1 result at score 735 (second consecutive year), and the March 17, 2026 AM Best outlook revision to Stable from Negative. Modeled rates run above national-cheapest benchmarks; the trade is service tier and dividend return for higher list price, backed by Platinum Choice Auto’s 12-feature bundled endorsement.
YesWeSure Bottom Line
Amica is a dividend-paying Rhode Island mutual, direct-only, and the perennial J.D. Power New England leader (12 of 13 years, 2025 score 735). The real reasons to read this review are (a) the dividend policy option, which is nearly extinct in personal auto, and (b) Platinum Choice Auto, which bundles ~12 service and coverage features together.
Strong at
Dividend-paying structure plus J.D. Power 2025 New England #1
Policyholders who elect the dividend policy may receive back 5–20% of annual premium in profitable years (not guaranteed). Amica also won J.D. Power 2025 U.S. Auto Insurance Study New England region at 735 for the second consecutive year — 12 of the last 13 years regionally.
Watch for
Not a 2025 top-3 national claims leader; above-average list price
Amica did not place in the top three of the 2025 Auto Claims Satisfaction Study (Erie 743, NJM 731, Liberty Mutual 730 did). NerdWallet September 2026 modeled rate is $3,167 full coverage per year; Insurance.com March 2026 modeled rate is $2,767 versus the national-cheapest benchmark Erie at $1,906.
Worth comparing if
Service-tier buyers who want dividend return
Worth quoting if the dividend policy appeals, you value a direct-channel service model with salaried CSRs rather than agents, and you want Platinum Choice Auto’s 12-feature bundle. Less compelling for pure-price shoppers chasing the national-cheapest benchmark.
Quote-dependent
Dividend-policy election, StreetSmart availability, your state
Whether you elect the dividend policy form (slightly higher base premium with annual dividend potential), whether StreetSmart telematics is active in your state (historical footprint was narrow), and whether your profile falls within Amica’s preferred underwriting band.
At a glance
Parent
Amica Mutual Insurance Company (Rhode Island mutual; policyholder-owned)
Availability
49 states plus DC (not Hawaii)
Distribution
Direct-only. No independent agents; sold via phone, web, salaried CSRs
AM Best FSR
A+ (Superior); aa- ICR; outlooks revised to Stable from Negative on March 17, 20262
Market share (2024)
~0.44% group PPA DWP; #21 nationally1
Signature structural fact
Dividend-paying mutual (historical 5–20% dividend; not guaranteed; policyholder must elect dividend policy form)6
J.D. Power 2025 Auto
New England #1 at score 735 (second consecutive year; 12 of 13 years)7
Telematics program
StreetSmart by Amica (up to 20% advertised; limited state availability; discount-only per amica.com positioning)5
Strengths & considerations
Strengths
- Dividend-paying mutual — nearly extinct in U.S. personal auto. Policyholders who elect the dividend policy may receive back a portion of annual premium (historical 5–20%) in profitable years. Not guaranteed; declared annually by the Board. This is the single most distinctive Amica fact.6
- J.D. Power 2025 New England #1 at 735; 12 of 13 years. Second consecutive year #1 in New England at a score +110 above regional average. Amica also won J.D. Power 2026 Property Claims Satisfaction for home insurance.7
- Platinum Choice Auto bundles ~12 features in one endorsement. No-deductible full glass, credit monitoring, new-car replacement, prestige rental ($5,000 cap no daily limit), accident forgiveness, lock replacement, airbag discharge, dent repair, cell phone, pet injury, towing, rideshare. Few top-25 writers package this many features in one endorsement.10
- A+ Superior affirmed; outlook back to Stable in March 2026. AM Best revised Amica’s outlooks from Negative to Stable on March 17, 2026, while affirming A+ Superior FSR and aa- ICR. Positive signal after the February 2024 Negative revision.2
Considerations
- Pricier than the national-cheapest benchmark. NerdWallet September 2026 modeled rate is $3,167 per year full coverage; Insurance.com March 2026 shows $2,767 per year versus a national-cheapest benchmark of Erie at $1,906. The product trade is service tier and dividend return in exchange for higher list price.9
- Direct-only. No agents. Policies are sold via phone, web, and salaried customer-service representatives. No independent agents and no captive-agent force. For agent-first buyers this is friction.3
- Dividend is not guaranteed and must be elected. The dividend policy is a specific policy form you must choose at purchase; it typically carries a slightly higher base premium than the standard policy. Dividends are declared annually by the Amica Board and depend on company profitability.6
- Not a top-3 national claims-satisfaction leader in 2025. Amica’s 2025 service credential is overall customer experience in New England (regional, J.D. Power). The 2025 U.S. Auto Claims Satisfaction Study top-3 was Erie, NJM, Liberty Mutual, not Amica. If auto-claims-specific satisfaction is your lead criterion, those three carriers lead.11
The dividend-paying mutual structure
Amica is the only major U.S. personal-auto writer where policyholders can elect a dividend policy and receive back a portion of annual premium (historical range 5-20%) in profitable years. The dividend is not guaranteed; it is declared annually by Amica’s Board and depends on company performance. The dividend policy is a specific policy form you must choose at purchase and typically carries a slightly higher base premium than the standard policy6.
This is the single most distinctive structural fact about Amica, and the main reason buyers at or above the national-cheapest benchmark choose Amica over Erie or Travelers.
Coverage options
Amica writes standard personal auto coverages plus Platinum Choice Auto — a bundled endorsement that packages roughly twelve features (no-deductible full glass, credit monitoring, new-car replacement, prestige rental, accident forgiveness, lock replacement, airbag discharge, dent repair, cell phone, pet injury, towing, rideshare) into one endorsement.
- Bodily injury and property damage liability3
- Collision3
- Comprehensive3
- Uninsured and underinsured motorist3
- Personal injury protection: In no-fault states.3
- Medical coverages (medical payments)3
- Platinum Choice Auto: Bundled endorsement. Features commonly cited include no-deductible full glass, credit monitoring / identity-fraud monitoring, new-car replacement, prestige rental ($5,000 cap, no daily limit), accident forgiveness, lock replacement, airbag discharge, dent repair, cell phone, pet injury, towing, and rideshare.10
- Dividend policy option: Signature structural fact. Amica policyholders may elect a dividend policy and receive back a portion of annual premium (historical range 5–20%) in profitable years. Not guaranteed; declared annually by the Board.6
Discounts
Amica publishes a discount menu that includes signature family- tenure credits (Loyalty, Legacy) alongside standard safety and payment credits. Bundling is advertised up to 30%; multi-car up to 25%; StreetSmart up to 20%.
- Bundling (auto + home): Up to 30% advertised savings when bundling home with auto. (up to 30%)4
- Multi-car: Up to 25% advertised savings. (up to 25%)4
- StreetSmart by Amica (telematics): Up to 20% advertised savings; limited state availability. See telematics section. (up to 20%)4
- Loyalty: Varies by tenure.4
- Legacy: Drivers under 30 whose parents held an Amica policy for 5+ years.4
- Young driver training: Completed approved teen driver course.4
- Good Student: B average or better; ages 15–25.4
- Student Away at School: Full-time student living away without the vehicle.4
- Accident-free: Three claim-free years.4
- Defensive driver training: Approved defensive-driving course.4
- Anti-theft / safety features: Electronic stability control, passive restraints, forward-collision warning, adaptive headlights.4
- Pay-in-Full / AutoPay / Paperless: Payment and billing credits.4
StreetSmart by Amica (telematics)
StreetSmart by Amica is Amica's smartphone-based telematics program. The app tracks hard braking, speed, phone use while driving, time of day driven, total mileage StreetSmart is positioned as a discount program on amica.com. Primary-source confirmation that risky driving cannot raise the rate was not directly readable in this pass; publisher consensus and the amica.com page frame StreetSmart as a discount-only program. Confirm per-state rules at enrollment.5
- Enrollment discount: participation discount at enrollment (percentage not published)5
- Max renewal discount: up to 20% advertised5
- Can it raise your rate? StreetSmart by Amica is reported as a discount-only program; the headline savings are the only published outcome. Confirm your state's rules at enrollment.5
StreetSmart has had a narrow state footprint historically relative to competitor UBI programs. Amica’s Annual Report notes that YourPlan auto is rolling out across CT, AZ, NH, ME, TN, IL, OR, RI, VT with more states approved for 2026; confirm current state availability with Amica at enrollment6.
Pricing
Every Amica quote is personal. What follows are modeled premiums for defined driver profiles from reputable publisher analyses — not personalized quotes. Use them to calibrate what to expect, not to replace a real quote in your state.
NerdWallet (September 2026): NerdWallet standard 40-year-old clean-record driver profile.9
- Full-coverage average: $3,167 per year ($264/mo)
Insurance.com (March 2026): 40-year-old driver, Honda Accord LX, 100/300/100 limits, $500 deductibles, clean record, good credit, 10,000 annual miles.10
- Full-coverage average: $2,767 per year ($231/mo)
How to read these numbers. Different publishers model different profiles and may use different underlying data (Quadrant Information Services is the most common dataset). Your quote depends on your driving record, credit-based insurance score where allowed, vehicle, garaging ZIP, mileage, prior insurance history, age, household composition, telematics participation, and the coverages and deductibles you select.
Amica’s list price typically runs above the national-cheapest benchmark; the Insurance.com March 2026 study placed Amica at $2,767 per year full coverage versus the national-cheapest Erie at $1,90610. The product trade is service tier and dividend return in exchange for higher list price — reinforced by Platinum Choice Auto’s bundled twelve-feature endorsement.
Claims experience
Amica did not place in the top three of the J.D. Power 2025 U.S. Auto Claims Satisfaction Study. Top three were Erie (743), NJM (731), and Liberty Mutual (730)11. This matters: Amica’s 2025 service credential is overall customer experience in New England specifically, not national claims satisfaction. If auto- claims-specific satisfaction is your lead criterion, read the Erie review alongside this one.
Separately, Amica won J.D. Power 2026 U.S. Property Claims Satisfaction Study #1 for Home Insurance Claims — a different line of business, but speaks to Amica’s service identity across P&C products8.
Customer experience
In the 2025 J.D. Power U.S. Auto Insurance Study, Amica ranked #1 in the New England region at score 735 — second consecutive year #1 and twelfth first-place regional finish in the last thirteen years. +26 YoY improvement; +110 vs regional average; +94 vs nearest competitor7.
Complaints and regulatory record
The National Association of Insurance Commissioners publishes a complaint index that normalizes complaint counts against a company's share of premium written. A value of 1.0 represents the baseline expected complaint volume for a company of that size; lower is generally better.
Historically Amica Mutual Insurance Company (NAIC #19976) runs NAIC complaint indices well below the 1.00 national baseline. Verify current per-entity values on NAIC CIS before signing.12
To look up the current complaint index for the specific Amica underwriting entity that writes policies in your state, use the NAIC Consumer Information Source or your state Department of Insurance. The entities most commonly rated for Amica are:
- Amica Mutual Insurance Company
- Amica Property and Casualty Insurance Company
Complaint index measures regulator-filed complaints, not overall service quality; treat it as one input among several. Index values vary by underwriting entity and by state and can shift year over year, so pull the current number for your state before signing.
Financial strength
AM Best affirmed Amica at Financial Strength Rating A+ (Superior) and Long-Term Issuer Credit Rating aa- (Superior) on March 17, 2026 with a stable outlook2. AM Best revised Amica’s outlooks to Stable from Negative on March 17, 2026, while affirming FSR A+ (Superior) and ICR aa- (Superior). The prior February 5, 2024 action revised outlooks to Negative, so the March 2026 return to Stable is a positive signal.
The March 2026 revision from Negative to Stable is a positive signal after the February 2024 Negative revision tied to underwriting pressure. A+ Superior sits well above the industry median.
What these ratings mean and do not mean. A high financial-strength rating indicates the insurer has the resources to pay claims under a wide range of adverse scenarios. It is not a guarantee of any specific claim outcome, service quality, or price competitiveness in your quote. Ratings can change; check the affirmation date.
Material news (last 24 months)
- AM Best revised outlooks to Stable from Negative; FSR A+ affirmed (March 2026): Positive signal after the February 2024 revision to Negative tied to underwriting pressure. FSR A+ (Superior) and ICR aa- (Superior) affirmed.2
- J.D. Power 2025 U.S. Auto Insurance Study: Amica #1 in New England at 735 (June 2025): Second consecutive year #1; 12th first-place regional finish in 13 years. +26 YoY improvement, +110 vs regional average, +94 vs nearest competitor.7
- 2025 California wildfires described as largest catastrophe event in Amica history (March 2026): Amica Annual Report notes 2025 California wildfires were the largest catastrophe event in company history. Even so, 2025 combined ratio was 102.7% (lowest in over a decade excluding 2020); $3.1B surplus (second-highest ever); 104,000+ new policies.6
- J.D. Power 2026 U.S. Property Claims Satisfaction Study: Amica #1 for Home Insurance Claims (March 2026): Different line of business, but speaks to Amica’s service identity across P&C products.8
YesWeSure Fit Check
Is Amica a fit worth quoting?
Amica tends to fit if you
- You want a dividend-paying mutual auto policy — a feature nearly extinct outside Amica — and are willing to elect the dividend policy form at purchase.
- You value Platinum Choice Auto’s 12-feature bundled endorsement (no-deductible full glass, prestige rental, credit monitoring, accident forgiveness, etc.) as a single endorsement.
- You live in New England and value Amica’s J.D. Power 2025 New England #1 at 735 (12 of 13 years regionally).
- You are comfortable with a direct-channel service model (phone, web, salaried CSRs) rather than a named agent.
Look carefully if you
- You live in Hawaii — Amica does not write personal auto there.
- List-price benchmarks matter and you are chasing the national-cheapest tier; Amica runs above national-cheapest ($2,767–$3,167 vs ~$1,900 benchmarks).
- You want a top-3 national claims-satisfaction leader specifically; Amica did not place top-3 in the J.D. Power 2025 Claims study.
- You want a telematics discount of 30% or more at renewal — StreetSmart tops at 20% advertised and has limited state availability.
- You want a named independent agent — Amica is direct-only.
This is decision-support reasoning, not personalized advice. Your real decision depends on your quote in your state, current regulator data, and how much of your total budget an incident could disrupt.
Ready to compare Amica against alternatives?
Compare car insurance quotesCommon questions
What is a dividend policy and how does it work?
A dividend policy is a specific Amica policy form you elect at purchase. In profitable years, Amica’s Board declares a dividend and policyholders on the dividend form receive back a portion of their annual premium (historical range 5–20%). The dividend is not guaranteed; it is declared annually based on company performance. The dividend policy typically carries a slightly higher base premium than the standard policy.
Where does Amica write personal auto?
In 49 states plus the District of Columbia. The one exclusion is Hawaii.
How is Amica rated by AM Best?
AM Best affirmed Amica at Financial Strength Rating A+ (Superior) and Long-Term Issuer Credit Rating aa- (Superior) and revised the outlooks to Stable from Negative on March 17, 2026. The prior February 5, 2024 action had revised outlooks to Negative tied to underwriting pressure; the March 2026 return to Stable is a positive signal.
Did Amica win J.D. Power in 2025?
Yes, in New England regionally. Amica ranked #1 in the J.D. Power 2025 U.S. Auto Insurance Study New England region at score 735 — second consecutive year #1, 12th first-place regional finish in 13 years. +26 YoY, +110 vs regional average, +94 vs nearest competitor. In the separate 2025 U.S. Auto Claims Satisfaction Study (the claims-specific national study), top three were Erie (743), NJM (731), and Liberty Mutual (730).
What is Platinum Choice Auto?
An Amica bundled auto endorsement that packages roughly 12 features in one endorsement: no-deductible full glass, credit monitoring, new-car replacement, prestige rental ($5,000 cap with no daily limit), accident forgiveness, lock replacement, airbag discharge, dent repair, cell phone, pet injury, towing, and rideshare, among others. Few top-25 writers package this many features in a single endorsement.
Does Amica have agents?
No. Amica is direct-only. Policies are sold via phone, web, and salaried customer-service representatives. There are no independent agents and no captive-agent force.
Can StreetSmart raise my premium?
Per Amica’s positioning on its discounts page, StreetSmart is a discount program (up to 20% advertised). Primary-source confirmation that risky driving cannot raise the rate should be reviewed at enrollment for your specific state; StreetSmart has limited state availability relative to competitor telematics programs.
Sources & methodology
- [TIER 1] AM Best revises Amica outlooks to Stable; affirms A+ (Superior) and aa- (March 17, 2026) (AM Best)
- [TIER 1] Amica: Auto Insurance product page (coverages overview) (Amica)
- [TIER 1] Amica: Auto Insurance Discounts (bundling up to 30%; multi-car up to 25%; StreetSmart up to 20%) (Amica)
- [TIER 1] Amica: StreetSmart Terms and Conditions (Amica)
- [TIER 1] Amica Annual Report (dividend-paying policy structure, 2025 results) (Amica)
- [TIER 1] Amica newsroom: J.D. Power 2025 U.S. Auto Insurance Study New England #1 at 735 (Amica Newsroom)
- [TIER 1] Amica newsroom: J.D. Power 2026 U.S. Property Claims Satisfaction Study #1 (home) (Amica Newsroom)
- [TIER 3] NerdWallet: Amica Auto Insurance Review (September 2026 modeled rate) (NerdWallet)
- [TIER 3] Insurance.com: Amica review (March 23, 2026 modeled rate) (Insurance.com)
- [TIER 2] J.D. Power 2025 U.S. Auto Claims Satisfaction Study (national top three) (J.D. Power)
- [TIER 1] NAIC Consumer Information Source (per-entity complaint and financial lookup) (National Association of Insurance Commissioners)
Evidence hierarchy on this page: Tier 1 (regulators, insurer documentation, rating agencies), Tier 2 (independent authoritative research including J.D. Power and industry datasets), Tier 3 (reputable publishers with transparent methodology). Every material claim traces to a source in this list, with the tier shown next to each source. Modeled rate figures are premiums produced from Quadrant Information Services or publisher proprietary data for defined driver profiles; they are not personalized quotes. Last reviewed .