Key takeaways
Amica ranks #4 for affordability among major home insurance carriers, with average rates of $87 monthly.
— QuoteYeti editorial team
- 02 Customer experience ranks #1 based on J.D. Power scores, NAIC complaint data, and online sentiment.
- 03 Coverage breadth scores #2 — see the coverage section below for which add-ons set Amica apart.
Amica ratings
How much does Amica cost?
Amica home insurance costs homeowners $87 monthly on average, or $1,044 annually — -10% compared to the national average. Actual rates vary significantly based on your profile, location, and coverage selections. Use the cost-by-category table below to see how Amica typically prices different homeowner profiles.
Avg monthly
$87
Avg annual
$1,044
vs. national avg
-10%
How Amica compares
−10% below the national average for comparable coverage.
Rates by category
| Category | Minimum coverage | Full coverage | Rank |
|---|---|---|---|
| New homes (built post-2010) | $74 | $87 | #4 |
| Older homes (pre-1980) | $109 | $122 | #5 |
| High-value homes ($1M+) | $218 | $244 | #4 |
| Condos / townhouses | $52 | $61 | #4 |
Amica earns #1 overall in our home rankings — the kind of performance that rewards a closer look, not a coin flip.
Amica reputation
Amica ranks #1 in QuoteYeti's customer experience study for home insurance. The score blends J.D. Power survey data, NAIC complaint ratios (0.42 versus an industry-wide 1.00 average), and member sentiment from public review sources. Customers consistently praise Amica for responsive service and smooth claims experiences.
Step 01
Buying process
Buying coverage from Amica is a strong experience for most homeowners. The quoting process is primarily online with phone support available for complex situations.
Step 02
Policy management
Day-to-day policy management at Amica is straightforward, with self-service through both the mobile app and web portal. Members typically rate the digital experience as competent if not standout.
Step 03
Claims experience
Claims handling at Amica is consistently strong, with NAIC complaint data well below the industry average and J.D. Power scores reflecting member satisfaction. For straightforward claims (windshield repairs, minor incidents), most homeowners report fast resolution. Complex claims requiring extensive investigation can take longer.
Independent industry ratings
Independent ratings from major financial-strength and customer-satisfaction agencies:
| Source | Score | Overview |
|---|---|---|
| AM Best Financial Strength 1 A.M. Best Insurance-industry credit rating agency since 1899. A++ is the highest financial-strength grade. | A+ (Superior) | Superior ability to meet financial obligations |
| S&P Global Financial Strength 2 S&P Global Standard & Poor's Global Ratings. Insurance financial-strength grades from AAA (strongest) to D. | Not rated | Adequate financial capacity |
| J.D. Power Claims Satisfaction 3 J.D. Power Consumer satisfaction surveys with 12,000+ policyholders annually. Scores run 0–1000; above 800 is considered excellent. | 871/1,000 | Above industry average |
| NAIC Complaint Ratio 4 NAIC National Association of Insurance Commissioners. Their complaint index is 1.0 = average; lower is better. | 0.42 | Substantially fewer complaints than expected for company size |
Amica discounts
Amica offers 6 discounts to help reduce your premium:
| Discount | Average savings | Eligibility |
|---|---|---|
| Loyalty | Up to 10% | Long-term customers with continuous coverage |
| Multi-Line Bundle | Up to 15% | Bundle home with auto or life insurance |
| Claim-Free | Up to 20% | Three or more years without a home insurance claim |
| Protective Devices | Up to 15% | Monitored fire and burglar alarms |
| Auto-Pay | Up to 5% | Set up automatic payments from a checking account |
| New / Renovated Home | Variable | Homes built or extensively renovated in the past 10 years |
Amica coverage options
Amica offers a comprehensive coverage menu typical of major home insurance carriers, with several add-ons that set it apart from competitors. The table below details the main add-ons available.
| Add-on coverage | What it covers | Key features |
|---|---|---|
| Dividend Policy | Returns a percentage of premium based on company performance | Historic returns of 5–20%; available only to qualifying policyholders |
| Platinum Choice Home | Premium endorsement with extended replacement cost and other upgrades | Higher limits and broader coverage than standard policies |
| Underground Pipe and Wire Coverage | Service line damage from buried pipes and wires to your home | Often excluded from standard policies |
| Identity Theft Coverage | Costs to restore identity and clean up fraud | Up to $25,000 in expense reimbursement |
Pros and cons
Ordered by impact. The top item in each column is the one we'd weight heaviest in a recommendation.
What's working
- Top pro Highest J.D. Power home insurance customer satisfaction in 2024
- Dividend policies return 5–20% of premium based on company performance
- Comprehensive coverage with strong claims handling reputation
- Mutual company structure — accountable to policyholders, not shareholders
- Excellent loyalty rewards for long-term customers
What's not
- Top con Rates not the lowest in the market
- Digital tools lag younger insurtech competitors
- Limited local agent network in some regions
- Less marketing presence than household-name brands
Our verdict
The bottom line
Amica earns an overall score of 4.78/5 in QuoteYeti's home insurance provider rankings. The carrier ranks #1 nationally, with particular strength in customer experience.
Amica is best suited for homeowners who value strong customer service over the lowest price. Rates not the lowest in the market is the most common drawback to weigh against the strengths.
As always, compare quotes from multiple insurers before committing. The right carrier depends on your specific profile — driving record, claims history, location, and coverage needs all shift the math.
Frequently asked questions
Is Amica a good home insurance company?
Amica is a legitimate home insurance carrier with a financial-strength rating of A+ (Superior). It ranks #1 overall and #4 in affordability in QuoteYeti's editorial comparison of major home insurance providers.
How much does Amica home insurance cost?
Amica averages $87 monthly ($1,044 annually) — -10% versus the national average. Your actual rate depends on your profile, location, and coverage choices. Use the cost-by-category table above to see how Amica typically prices different homeowners.
What discounts does Amica offer?
Amica offers 6 primary discounts, including Loyalty, Multi-Line Bundle, Claim-Free. See the full discount table above for eligibility and average savings.
Does Amica have good claims handling?
Amica's NAIC complaint ratio is 0.42 (1.00 is the industry average, so lower is better). This is well below the average — meaning fewer customer complaints relative to volume. J.D. Power claims scores rate 871/1,000.
Should I choose Amica or a competitor?
Amica is strongest for homeowners who prioritize customer service quality. Compare quotes from at least three carriers — Amica's rates and offerings vary significantly based on your specific profile, and the carrier that fits best can differ for homeowners in different situations.
How we rated Amica
QuoteYeti's home insurance rankings are designed to surface where each carrier actually wins and loses. We don't accept payment for ranking placement, and our methodology is published in full so you can audit how we reach our conclusions.
60%
Cost
We compare quotes across multiple homeowners profiles, measuring how competitively each carrier prices its policies against local and national competitors. Data is normalized to comparable coverage levels.
30%
Customer satisfaction
We analyze customer feedback from J.D. Power member studies, NAIC complaint ratios, AM Best ratings, and public review sources to assess overall service quality and claims handling.
10%
Coverage breadth
We evaluate each carrier's coverage menu, scoring the variety of available endorsements, unique features, and gap-filling options.