Amica review

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

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Our verdict

Amica suits US households that want auto, home, renters, life and motorcycle cover from the same insurer, with monthly payments available. Across AssureCue the median starting premium is €8.37, and insurer shows it writes the cover itself rather than brokering it.

Key facts

Best for
US households wanting personal lines and monthly payments from a single insurer
Insurance types
Auto, Home, Renters, Life, Motorcycle (Source, checked September 26, 2026)
Provider type
Insurer (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Claims channels
Phone, Chat, Online (Source, checked September 26, 2026)
Legal entity
Amica Mutual Insurance Company (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
1907 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly
Official website
amica.com

Apps and profiles

Get the app
Google Play
Elsewhere
WikidataWikipediaXTrustpilotLinkedIncareers.amica.com

Pros and cons

Pros

  • The same insurer writes every line in auto, home and renters, so auto and home can sit with one company.
  • Monthly payments are available and the payment model is monthly, which spreads the cost through the year.
  • Support runs on phone, chat and email, giving you phone, chat, email and a help centre.
  • Founded in 1907 and based in the United States, it is a long established US insurer rather than a recent entrant.

Cons

  • Billing runs on monthly only, so an annual pay in full option is not offered.
  • auto, home and renters does not include health, travel, pet or gadget cover.
  • Claims are handled on phone, chat and online, so there is no branch counter or in person route to a claim.
Amica

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Scored 9.4 / 10 by AssureCue.

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Who it suits

  • Families in the US who hold an auto and a home policy and want both with one insurer, as listed in auto, home and renters.
  • Riders and drivers shopping for motorcycle or auto cover with monthly payments, since the model is monthly.
  • Renters and life policyholders who prefer to deal with the company that carries the risk, Amica Mutual Insurance Company.

Who should look elsewhere

  • Hiscox UK, if you want landlord or home emergency cover, which appears in home, renters and landlord but not in auto, home and renters.
  • EuroAsia Insurance, if travel and gadget cover matter more to you than life and motorcycle, since its list is auto, home and travel.
  • Good Sam Insurance Agency, if you want health or pet cover in the same basket, as its list, auto, home and renters, runs wider.

Who runs it

Amica Mutual Insurance Company, founded in 1907 and based in the United States, is the company behind the policy. It is licensed by NAIC for its state of domicile, Rhode Island, under licence 12287, so the company you pay is the company that carries the risk. Support runs on phone, chat and email, which keeps contact with the insurer in a single place rather than through an intermediary.

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 does a policy cost with Amica?+

Amica prices each policy on its own cover and location, so the figure moves with your details. As a broad signal, the median starting premium across AssureCue is €8.37, and in the car insurance section it is €8.72. A quote for your own situation is the only firm number.

Is Amica regulated, and by whom?+

Amica is licensed by NAIC with Rhode Island as its state of domicile, under licence 12287. The legal entity on the paperwork is Amica Mutual Insurance Company, based in the United States. Because the licence is a US state licence, policies will not stretch to a UK address.

Can I pay monthly?+

Yes, monthly payments are available, and the payment model is monthly. Paying month by month spreads the cost of auto, home and renters across the year, which some households find easier to plan than a single payment. The same monthly model applies across every line Amica writes.

How do I make a claim?+

Claims come in on phone, chat and online, which covers phone, chat and online reporting. Having all three means a claim can be logged straight away or picked up later without moving to a different team. The company handling the claim is the same one you hold the policy with.

How do I reach customer service?+

Support runs on phone, chat and email, so phone, chat, email and a help centre are all open to you. That mix suits people who like to call in a change and then have it confirmed in writing by email, and it suits people who would rather do everything online.

What does Amica actually cover?+

The product list is auto, home and renters, which covers auto, home, renters, life and motorcycle policies. Health, travel, pet and gadget cover are not on that list, so anyone wanting those needs a second insurer. Bundling several of Amica's own lines keeps them in a single place.

Is Amica an insurer or a broker?+

insurer places Amica in the insurer category, so the company issuing the policy is Amica itself rather than a separate underwriter behind a middleman. It has traded under that name since 1907 from US, and Amica Mutual Insurance Company is the entity you contract with.

I am in the UK. Is Amica an option?+

Amica is a US insurer based in the United States and licensed in its state of domicile, Rhode Island, under licence 12287, so its policies are aimed at US residents. UK buyers are better served by a local provider, and Hiscox UK covers home, renters and landlord for home and renters policies.

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 personal lines and monthly payments from a single insurer

9.4/10See alternatives

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