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Amica review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Amica is the insurer, not a broker, and it suits US households that want auto, home, renters, life and motorcycle cover from a company founded in 1907. Support runs on phone, chat and email, and monthly payments spread the premium across the year instead of a single bill.

Key facts

Best for
US households wanting several lines of personal insurance from the same mutual insurer.
Insurance types
Auto, Home, Renters, Life, Motorcycle↗
Provider type
Insurer↗
Monthly payments
Yes↗
Claims channels
Phone, Chat, Online↗
Legal entity
Amica Mutual Insurance Company↗
Headquarters
United States↗
Founded
1907↗
Support channels
Phone, Chat, Email, Help-centre↗
Pricing model
Monthly
Official website
amica.com

Facts checked September 26, 2026, 5 sources

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXTrustpilotLinkedIncareers.amica.com

Pros and cons

Pros

  • Cover spans auto, home and renters, all written by the same insurer, Amica Mutual Insurance Company.
  • Monthly payments are available, and monthly is the payment model shown.
  • Support runs on phone, chat and email, and claims can be started on phone, chat and online.
  • Regulated in the US by NAIC, the state of domicile being Rhode Island, with Amica Mutual Insurance Company named in its licensing.

Cons

  • The auto, home and renters list leaves out health, travel and pet cover, so those lines need another insurer.
  • Support runs on phone, chat and email only, with no branch counter offered.
  • monthly is the only payment model listed, so there is no annual single premium to settle.
Amica

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Motorcycle owners, since auto, home and renters includes motorcycle next to the everyday lines.
  • Renters and homeowners, because auto, home and renters covers both home and renters.
  • Anyone who prefers spreading the cost, since monthly payments are available with monthly.

Who should look elsewhere

  • Linxea, where life covers life alone and nothing for the home or auto.
  • Euroasia Insurance, whose auto, home and travel add travel and gadget cover that auto, home and renters does not list.
  • Oney Préstamos ES, whose health, life and gadget lean on health, life and gadget cover rather than the home and auto lines in auto, home and renters.

How Amica compares

Where Amica is available

Available
United States
Licence in United States
NAIC (state of domicile Rhode Island) (12287), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What kinds of insurance does Amica sell?+

Amica writes auto, home and renters policies. All of those lines come from the same insurer, Amica Mutual Insurance Company, so renewals and changes stay with the same company. Claims on these lines run through phone, chat and online.

How much will the first premium be?+

Premiums follow the cover you ask for, so the amount depends on the line, the vehicle, the property or the life cover involved. Across the insurers listed here, a typical starting premium is €8.31, with the upper end reaching €29.72.

Can I pay monthly instead of settling the whole premium at once?+

Yes. Monthly payments are available, and monthly is the payment model shown for the policies. Spreading the premium this way keeps cash flow lighter during the year, and the cover stays in place while the payments run.

How do I make a claim?+

Claims run on phone, chat and online, so a claim can be started by phone, in chat or online. The insurer handling the policy is Amica Mutual Insurance Company, which means the same company that wrote the cover also settles the claim.

Who regulates Amica?+

Amica is regulated in the US by NAIC, with its state of domicile listed as Rhode Island, and the licensed entity is Amica Mutual Insurance Company. The company is headquartered in the United States and operates as insurer rather than a broker or comparison site.

How do I get help with a policy?+

Help runs on phone, chat and email, giving you phone, chat, email and a help centre to pick from. For anything to do with a claim rather than general queries, the claims route is phone, chat and online, which is a shorter list.

Is Amica an insurer or a broker?+

Amica is an insurer, so the policies sit with the company itself and no intermediary stands between you and the cover. It was founded in 1907 and trades under the name Amica Mutual Insurance Company, based in the United States.

Does Amica hold money in a savings account?+

No. Amica is an insurer, so premiums buy cover rather than sitting on a balance that grows, and it is not a deposit account. Market based products carry their own risk, with a retail loss rate of 70.15% across retail trading.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Premium from.

Amica

Amica

US households wanting several lines of personal insurance from the same mutual insurer.

9.4/10See alternatives