Amica is the oldest mutual auto insurer in the United States, founded in 1907 and owned by its policyholders rather than shareholders. It is best known for topping customer-satisfaction and claims studies year after year, a reputation that tends to come with premiums above the national average, so here is an independent look at Amica auto insurance, its estimated rates, and how it compares in 2026.
Amica was founded in 1907 in Providence, Rhode Island, and is a mutual company, meaning it is owned by its policyholders rather than shareholders. It sells auto coverage directly online and by phone, with a smaller agent footprint than the national giants, and is available in most states but not Hawaii. Amica carries an A+ (Superior) financial strength rating from AM Best and is best known for consistently topping J.D. Power's customer-satisfaction and claims studies. As a mutual, it also runs a dividend program that can return a share of premium to eligible policyholders in profitable years.
Independent market estimates based on NAIC rate filings and state insurance department data. Not provided by or endorsed by Amica. Actual rates vary by state, ZIP, and individual profile.
| Driver profile | Est. annual premium | vs. market avg. | Notes |
|---|---|---|---|
| Clean record, 30–45 | ~$1,440/yr | Above avg. | Premium-service pricing; dividends can offset |
| Single accident (3 yrs) | ~$1,980/yr | Above avg. | Conservative post-incident pricing |
| DUI on record | ~$3,200/yr | Above avg. | Conservative underwriting on high risk |
| Young driver (18–24) | ~$2,800/yr | Above avg. | Good-student and away-at-school discounts help |
| Senior driver (65+) | ~$1,380/yr | Near avg. | Competitive for seniors |
| Lower credit tier | ~$2,050/yr | Above avg. | Credit scoring applies where legal |
ⓘ Source: NAIC filings and state regulatory data. Not quotes from Amica. Verify pricing directly with the carrier or a licensed agent.
Amica's clearest strength is service. Its J.D. Power customer-satisfaction and claims scores are consistently near the top of the study, and the mutual ownership structure supports that: without shareholders pushing for profit maximization, its incentives line up more closely with policyholders. The dividend program adds a further wrinkle, returning a share of premium to eligible policyholders in profitable years and narrowing the price gap for those who stay put. The trade-off is cost and access. Amica's base premiums tend to run above the national average, its underwriting is conservative, so high-risk drivers may find it less accessible, and its smaller agent footprint means it competes more on service than on the lowest sticker price. That mix is exactly why it is worth comparing against other carriers before you commit.
Amica is a strong option for drivers who prioritize claims handling and service over the lowest possible premium, and its dividend program can soften a higher starting price for those who stay long term. It is less compelling if price is your only priority or if you have a high-risk profile. Comparing Amica against other carriers in your area is the fastest way to see where it lands for your profile.
Disclaimer: RateWire 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. All carrier names and trademarks are the property of their respective owners used solely for informational and comparison purposes. Rate figures are independent market estimates from publicly available NAIC and state regulatory data — not quotes from Amica. By submitting your ZIP code, 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 before purchasing.