Amica Insurance

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Aug 20, 2020

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Company Details
Address: 100 Amica Way
City: Lincoln
State: RI
ZIP Code: 02865-1156
Phone Number: 1-800-652-6422
AM Best Rating: A++
URL where was collected the AM Best Rating: http://www3.ambest.com
Lines of Insurance: auto, life, home
States Licensed To Sell Insurance In: AL, AK, AZ, AR, CA, CO, CT, DE, DC, FL, GA, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY
Type of Insurance Company: Mutual
Top executive Contact: Robert A. DiMuccio
Title of Top executive: Chairman/President/CEO
Assets & Premiums: 2013 Results: Assets: $4.9 billion Surplus: $2.6 billion Premiums Receivable: $498 million
Insurance subsidiaries:
  1. Amica General Agency, Inc.
  2. Amica General Insurance Agency of California, Inc.
  3. Amica Life Insurance Company
  4. Amica Property and Casualty Insurance Company
  5. Amica Lloyd's of Texas, Inc.

Company Overview:


Company History: Founded in Rhode Island in 1907, the company opened its first branch office in 1941 then proceeded to add homeowners’ insurance in 1956 and marine and personal excess liability insurance some years later. The company moved its headquarters to Lincoln in 1994. Amica has over 3,200 employees and 43 offices nationwide. The company is the oldest mutual insurer of automobiles in the U.S.
Principle Sales Methods: Amica is a direct writer of auto, home, and life insurance products. They are organized into regional offices spread throughout the United States.

Life Annuity Business: Amica offers Level Term, Simplified Issue Level Term, Whole Life, Simplified Issue, and Annual Renewable life insurance. Amica has been listed on Ward’s Top 50 list for life-health insurance companies in 2006, 2008, 2009, 2010, 2011, 2012, and 2013.
Auto Business: Amica offers a variety of Auto coverage options and a multi-line discount.
Homeowners Business: Amica offers flexible policies for homeowners insurance. They also offer alarm systems, claim-free policies, and discounts for higher deductibles.
Health Business: Long-term Care, Disability Income, and Health care insurance are offered through the Amica General Agency. However, the policies are underwritten by John Hancock Life Insurance, MassMutual Financial Group, and Golden Rule Insurance.
Special Business: Amica offers Condo, Renters, Retirement, Marine, Umbrella, Structured Settlement, and Small Business Insurance.

Reviews
for Amica Mutual Insurance Company

4.22 (766 reviews)
1
January 11, 2022

Rnbowens_

Discussed and Hurt

We have been a loyal customer of Amica auto insurance for at least 13 yrs. Our First and only claim happened in Dec 2021. The accident happened out of state so we are made arrangements to get our personal belongings ($1800+). And some sentimental items out of the vehicle. On at least 3 separate calls the Amica representatives told my wife not to go because of the distance and they will send a Rep to the vehicle and everything in the trunk and ins...
We have been a loyal customer of Amica auto insurance for at least 13 yrs. Our First and only claim happened in Dec 2021. The accident happened out of state so we are made arrangements to get our personal belongings ($1800+). And some sentimental items out of the vehicle. On at least 3 separate calls the Amica representatives told my wife not to go because of the distance and they will send a Rep to the vehicle and everything in the trunk and inside the vehicle will be placed in boxes and mailed to us. They assured us that they have done this for customers for years and we had nothing to worry about and we will be getting our belongings. Well one month later we got an envelope with 5 minor items. We have been lied to over and over and have taken another major lost. We are beyond discussed and hurt.
1
October 1, 2021

ACustomer

Reprehensible, criminal practices

This company’s business practices are beyond reprehensible and criminal. My husband, having been a loyal customer, for much over a decade, with both cars and home ensured by Amica, called to understand what it might cost in the future, if he were to insure his teenage boy, once he gets a license. We knew the child may be insured through either one of the parents, and we didn’t decide at this point in time how we would want to proceed. The cu...
This company’s business practices are beyond reprehensible and criminal. My husband, having been a loyal customer, for much over a decade, with both cars and home ensured by Amica, called to understand what it might cost in the future, if he were to insure his teenage boy, once he gets a license. We knew the child may be insured through either one of the parents, and we didn’t decide at this point in time how we would want to proceed. The customer rep, without prior notice, proceeded to ask some information about the child, then quoted 3000 dollars for the yearly insurance. He then proceeded to tell us that once the child gets a license, he will be automatically added to the insurance policy, without prior consent from the policy owner. We explain that we explicitly prohibit him from adding the child to the policy, since there will be other ways we are looking at ensuring him. The clerk proceeded to tell us that there was nothing we could do about this, and that we will be charged and the child will automatically be put on the existing policy - since the clerk was able to get a hold of identification information for the child, from us. Of course my husband lost it. And the clerk simply hang up. Needless to say, they are now losing our business, and hopefully additional business in the future. I don’t know in what world, an organization is legally able to force someone to pay 3000 dollars for services they refuse to buy from them, while also stripping them of any human dignity, by telling them there’s nothing they could do about it. The call was recorded. This has got to make a great case for litigation.
2
August 9, 2021

Dale549

Don't trust Amica to give you good rates.

In Nov. of 2020 I received a notice of cancellation on my Home Owners and Umbrella policy. Both these policies were on auto pay from a bank that I have had an account with for more than 30 years. The account never has a balance less than $70,000. To date Amica has not been able to explain how this happened. In July of this year I decided I had better make a complete review of all my accounts to see what what going on. I found that my new Jee...
In Nov. of 2020 I received a notice of cancellation on my Home Owners and Umbrella policy. Both these policies were on auto pay from a bank that I have had an account with for more than 30 years. The account never has a balance less than $70,000. To date Amica has not been able to explain how this happened. In July of this year I decided I had better make a complete review of all my accounts to see what what going on. I found that my new Jeep was showing a load from some outfit in NC. I live in KS and purchased and paid cash for the vehicle. Again no explanation from the agent as to how this happened. I also found that when Amica changed their policies from 12 months to 6 months they increased the premium on one of my vehicles 54%. Since the other vehicle was new I could not make a direct comparison but noticed that it was 16% higher than what I was paying for the 3 vehicles previously on the policy plus that was with 3 drivers on the policy. All conversations with the agent about these issues net no explanation as to why these this were happening. Brief shopping around with other reputable insurance companies resulted in annual policy savings in the $3,000 and $4,000 range. I would not consider Amica to be a reputable insurance company an proves the point that you should check rates with other companies regularly. You can't trust any of them, let alone Amica.
5
January 5, 2021

dreammmm123

great service

They were the best price by far but also the most comprehensive. The coverage was better at a lower rate. The agents were wonderfully personal and responsive.
3
January 2, 2021

Jacjyyyyyy

positive stuff

nothing out of the ordinary just the usual stuff but I would recommend them anyway because I kinda liked them
4
December 16, 2020

KDPlazed123

Review of Amica

The overall customer experience with the insurance has been fantastic overall, as I was able to come my claims and issues with the my vehicle.
5
October 17, 2020

Basketref

Great Company

Awesome company, great prices, and customer service are great. I have always received great service and the people are very friendly and understand me all the time.
5
October 4, 2020

shanjoybud

Amica is a great company...

I have had only great experiences with Amica. Their customer service was excellent and they helped me right away after I had my car accident, giving me a rental car without question of fault. Very affordable, even for full coverage. They've been an awesome insurance company to have for my vehicle, and as soon as I start driving again, I'll be sure to call them first!
5
October 2, 2020

loochiesimba

customer service

great customer serice and easy to work with. Talked to someone over the phone and they couldn't be more knowledgable or friendly
5
July 17, 2020

lguluv3eb

Perfect customer service and fair prices

All policies that I own, home and auto, are from Amica. They came recommended to me by my parents, grandparents, and aunts/uncles alike. Literally, my entire extended family adores Amica--and I can see why. What other insurance company is so memorable that they become a conversation topic at every Thanksgiving dinner. Shouts of "Can you believe they helped me handle {XYZ]" or "They made it possible for me to fix my entire bathroom!" Absolutely p...
All policies that I own, home and auto, are from Amica. They came recommended to me by my parents, grandparents, and aunts/uncles alike. Literally, my entire extended family adores Amica--and I can see why. What other insurance company is so memorable that they become a conversation topic at every Thanksgiving dinner. Shouts of "Can you believe they helped me handle {XYZ]" or "They made it possible for me to fix my entire bathroom!" Absolutely perfect customer service (friendly and responsive) and very fast claims processing. When the COVID pandemic hit, they proactively refunded me several months' worth of car premums, too.
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