Amica Insurance Review: Auto & Home Insurance Customer Complaints Record & AM Best, JD Power Ratings

This Amica Insurance review will analyze the change in the JD Power home & auto insurance scores & ratings for Amica Insurance over the last several years. The annual JD Power insurance studies are, in my opinion, the most objective and relevant indicators of insurance company customer & claims satisfaction, by surveying the opinions of thousands of auto & home insurance customers. However, the power circle ratings used by JD Power can be sometimes misleading, with some top rated 4 and 5 power circle companies not scoring much above the score of the average company. This review will look at the JD Power ratings & numerical scores for Amica, in all the JD Power insurance studies where it was included in the last three years, to see if its current JD Power ratings really reflect the quality of the claims & customer service for the company. My review will show you how Amica performs compared to competitors, like State Farm, Allstate, Progressive, GEICO, Farmers, American Family, and others. Additionally, I’ll review the AM Best Financial Strength Rating (FSR) for Amica insurance.

Another measure of quality for an auto or home insurance company is the number of upheld complaints filed against it with a state’s insurance regulatory authority, adjusted for the company’s market share. This review will show you if Amica has a better than average, average, or below average complaint record for 2009, 2010, 2011, 2012, 2013, & 2014. The smart insurance buyer shops for the best combination of coverage, price, and service, so be sure to use the ad below this paragraph (or the ad at the end of this review) to get price quotes from multiple insurance companies and find the best insurance company for you.

I update or write new insurance company reviews with the latest data throughout the year. Bookmark this page or my website homepage so you can keep up with information about Amica and other insurance companies.

The detailed information in this review compares Amica auto & home insurance to the industry average and competing companies for customer service, claims processing performance, customer complaints, financial strength, and insurance rates, but if If you don’t want to read all the details, you can go to this review on my website here, to see at a glance if Amica consistently performs better than average, average, or worse than average for customer service, claims, and pricing, and compare Amica to over 40 other U.S. auto & home insurance companies.


Amica Insurance Review

This Amica insurance review is divided into three sections, considering its: 1. AM Best Financial Strength Rating; 2. JD Power insurance study results; 3. Customer complaint ratings.

1. AM Best Financial Strength Rating for Amica Insurance

Amica had its A++ (Superior) AM Best Financial Strength Rating with a stable outlook (no ratings upgrade or downgrade is expected in the near future) reaffirmed on 1/27/2016. A++ is the highest rating for AM Best. Amica has maintained this rating since I’ve been watching it, when I started this website in November of 2010. Its life insurance subsidiary company, Amica Life Insurance Company, has the lower AM Best rating of A+ (Superior) reaffirmed 2/18/2016, which is the second highest rating for AM Best.

Source: AM Best Rating for Amica Mutual Insurance Company

2. Amica Insurance JD Power Ratings Analysis for 2011, 2012, 2013, 2014, 2015, & 2016

I’ll compare the numerical scores (instead of the power circle rating) for Amica auto & home insurance, to the industry average and the scores of competing insurance companies, for each JD Power insurance study (2011-2015) where it was rated. Amica was included in the following annual JD Power insurance studies:

The Annual JD Power Auto Insurance Customer Satisfaction Study

The Annual JD Power Auto Insurance Claims Satisfaction Study

The Annual JD Power Auto Insurance Purchasing Experience Study

The Annual JD Power Homeowners Insurance Customer Satisfaction Study

The Annual JD Power Property (Homeowners) Insurance Claims Satisfaction Study

You can scroll down to read my analysis or summaries of the studies most interesting to you.

The Annual JD Power US Auto Insurance Customer Satisfaction Study

Amica is usually rated in only one of the eleven regional studies composing the annual JD Power US Auto Insurance Customer Satisfaction Study, where it has the most customers. If your state is not included in this region, Amica’s score in the regional study below is still a good proxy for how Amica performs in your state.

2015: Amica scored 65 points (on a 1,000 point scale) or 6.5% above the 2015 New England region average, at 866 out of 1,000 points.

Here is how Amica rated in the New England Region for the five factors used to determine its overall auto insurance customer satisfaction score in 2015:

Policy Offerings: Five Power Circles (among the best)

Price: Five Power Circles (among the best)

Billing & Payment: Five Power Circles (among the best)

Interaction: Five Power Circles (among the best)

Claims: Five Power Circles (among the best)

Overall Customer Satisfaction: Five Power Circles (among the best)

These companies scored 2.8% higher than Amica in the 2015 New England Region study (from highest scoring company to lowest scoring company): USAA.

These companies scored 5.1% or more lower than Amica in the 2015 New England Region study (from highest scoring company to lowest scoring company): State Farm, Allstate, Liberty Mutual, GEICO, Progressive, Hartford, Metlife, Safety, Travelers, Safeco, Nationwide, Plymouth Rock Assurance, Arbella, and MAPFRE-Commerce.

2014: Amica scored 73 points (on a 1,000 point scale) or 7.3% above the 2014 New England regional study average, at 868 out of 1,000 points.

Here is how Amica rated in the New England region for the five factors used to determine its overall auto insurance customer satisfaction score in 2014:

Policy Offerings: Five Power Circles (among the best)

Price: Five Power Circles (among the best)

Billing & Payment: Five Power Circles (among the best)

Interaction: Five Power Circles (among the best)

Claims: Five Power Circles (among the best)

Overall Customer Satisfaction: Five Power Circles (among the best)

These companies scored 3.7% higher than Amica in the 2014 New England region study: USAA

These companies scored 3.5% or more lower than Amica in the 2014 New England study: State Farm, Nationwide, The Hartford, Allstate, Progressive, GEICO, Liberty Mutual, Plymouth Rock Assurance, MAPFRE-Commerce Insurance, Arbella, Travelers, Safety Insurance, Metlife, and The Hanover.

2013: The US study as a whole showed the average overall auto insurance customer satisfaction decreased from 2012 for all companies surveyed, due to dissatisfaction over higher rates and restrictive policy offerings. Despite this drop, satisfaction in 2013 is the second-highest level since the study launched in 2000. The study is now divided into 11 regional studies. Amica was included in only the New England regional survey (The New England region consists of the states of Connecticut, Rhode Island, Massachusetts, New Hampshire, Vermont and Maine.), which I assume is the only region where it had enough market share and customers surveyed to be assessed. Amica scored 850 on a 1,000 point scale, earning the highest JD Power rating of 5 Power Circles (among the best), and it is the highest scoring company in the New England region, not considering USAA, which has restricted membership to the US military, their immediate family members, and honorably discharged veterans, scoring 898 out of 1,000 points (48 points, or 4.8% better than Amica). If USAA is not available to you, or does not have competitive auto insurance rates for you, Amica is your next best option in the New England region, according to this survey results. Amica scored 56 points higher (5.6% more) than the next highest scoring company in the New England region, and 81 points higher (8.1% more) than the regional average of 769 points on the 1,000 point scale. In the New England Region, Amica scored high enough above the average, and the other companies surveyed in the region, to be considered among the best.

Amica scored 17 points less than it scored for this study in 2012, where it was 83 points above the average for that year, but 7 points higher than it scored for this study in 2011, where it scored 53 points above the average, showing a fairly consistent score over the last three years.

2012: As in 2013, Amica was included for the 2012 study in the New England region only, which in 2012, also included the state of New York (All states in the region: CT, ME, MA, NH, NY, RI, VT). Amica scored 867 on the 1,000 point scale, which is 17 points more than it scored in 2013, and 24 points higher than it scored in 2011. The 2012 average score for all the auto insurance companies included in the New England region study was 784.

2011: The 2011 study was under the old study format, and shows only one national score for each company in the survey, instead of regional scores. Amica scored 843 out of 1,000 points, with the study average score of 790 points. The 2011 study score for Amica did not out-perform the average as much as it did in 2012 & 2013, but I attribute this difference to the change from a national average to a regional average.

Summary: Amica consistently scores well above the industry average and almost all other companies for auto insurance customer satisfaction each year. However, Amica is rated only in the New England region. What about choosing Amica, if you live outside the New England states? As state above, I think the New England region score is an acceptable proxy for the rest of the US states. When this study was a single national study without regional results (2011 & prior years), Amica customers were surveyed nationwide, and it was one of the top scoring companies, earning a 5 power circle rating year after year. Considering auto insurance company scores in other regions in the 2014 study, the only company scoring higher than Amica is USAA in all regions. If you live outside of the New England region, be sure to check your state’s complaint record for Amica, if your state publishes it (I post state complaint statistics, when available, here), and my complaint ratings based on the NAIC national complaint ratios in this review, to see if they confirm Amica is keeping most of its customers happy in your state.

The Annual JD Power US Auto Claims Satisfaction Study

2015: Amica scored 28 points (on a 1,000 point scale) or 2.8% above the 2015 US auto claims satisfaction study average, at 885 out of 1,000 points.

Here is how Amica rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2015:

First Notice of Loss: Five Power Circles (among the best)

Service Interaction: Three Power Circles (about average)

Appraisal: Five Power Circles (among the best)

Repair Process: Three Power Circles (about average)

Rental Car Experience: Two Power Circles (lowest rating)

Settlement: Five Power Circles (among the best)

Overall Auto Claims Satisfaction: Five Power Circles (among the best)

These insurance companies scored only slightly higher (1%, .8%, and .5% above respectively) than Amica in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): New Jersey Manufacturers, Auto Owners, and USAA.

These insurance companies scored 1.4% or more lower than Amica in the 2015 US Auto Claims Satisfaction study (listed in order from highest scoring company to lowest scoring company): Auto Club of Southern California, Hartford, Nationwide, Erie, Allstate, American Family, Farmers, Safeco, State Farm, GEICO, Liberty Mutual, Progressive, Country Financial, Mercury, Travelers, CSAA Insurance Group, 21st Century, Hanover, Metlife, Automobile Club Group, Esurance, and MAPFRE-Commerce Insurance.

2014: Amica scored 43 points (on a 1,000 point scale) or 4.3% above the 2014 US Auto Claims Satisfaction study average, at 900 out of 1,000 points.

Here is how Amica rated in the six factors used to determine its overall auto insurance claims satisfaction score in 2014:

First Notice of Loss: Five Power Circles (among the best)

Service Interaction: Five Power Circles (among the best)

Appraisal: Five Power Circles (among the best)

Repair Process: Five Power Circles (among the best)

Rental Car Experience: Two Power Circles (lowest rating)

Settlement: Five Power Circles (among the best)

Overall Auto Claims Satisfaction: Five Power Circles (among the best)

These companies scored higher than Amica in the 2014 US Auto Claims Satisfaction study: None

These companies scored 2.1% or more lower than Amica in the 2014 US Auto Claims Satisfaction study: Auto-Owners, State Farm, American Family, Auto Club of Southern California Insurance Group, The Hartford, NJM Insurance, Erie, Travelers, Mercury, GEICO, Nationwide, Country, Safeco, Allstate, Metlife, Farmers, Progressive, Automobile Club Group, CSAA Insurance Group, 21st Century, Liberty Mutual, Esurance, and MAPFRE-Commerce Insurance.

2013: Amica scored 16 points (on a 1,000 point scale) or 1.6% above the 2013 US Auto Claims Satisfaction study average, at 871 out of 1,000 points.

These companies scored 2.8% or more higher than Amica in the 2013 US Auto Claims Satisfaction study: USAA, NJM Insurance, and Auto Club of Southern California Insurance Group.

These companies scored 2.1% or more lower than Amica in the 2013 US Auto Claims Satisfaction study: Safeco, Allstate, Mercury, GEICO, Automobile Club Group, Liberty Mutual, CSAA/AAA NCNU Insurance Group, Progressive, Metlife, MAPFRE-Commerce Insurance, Farmers, 21st Century, and Esurance.

These companies scored about the same as Amica in the 2013 US Auto Claims Satisfaction study: Auto-Owners, The Hartford, Erie, Travelers, State Farm, American Family, and Nationwide.

2012: Amica was the 4th highest scoring company in the 2012 national study, given the rating of 4 power circles (better than most) by JD Power. New Jersey Manufacturers scored highest, at 896 points on the 1,000 point scale, but this company is only available in NJ & PA, if your employer is a member of the NJ Business & Industry Association, or you are a NJ State government employee, or a former customer. USAA scored the second highest, at 889 out of 1,000 points, but it also has limited membership, to the US military, their immediate family members, and honorably discharged veterans. Auto-owners insurance scored the third highest, at 887 on the 1,000 point scale. Amica scored 876 on the 1,000 point scale, only 20 points below (2%) the highest scoring company. Amica scored 24 points (2.4%) above the industry average for the study, which was 852 points on the 1,000 point scale. In this case, based on its score in this study, I think Amica is certainly better than most auto insurance companies for claims satisfaction.

Amica scored 11 points higher in the 2012 study than it scored in the 2011 study, so claims satisfaction is slightly higher, and we will have to wait and see if that trend continues for 2013. Amica also widened its point spread above the industry average by an additional 5 points for 2012, from its point spread above the industry average for the 2011 study.

2011: Amica scored 865 points on the 1,000 point scale, receiving a 4 power circle rating (better than most) from JD Power. The industry average for the 2011 study was 846 out of 1,000 points, so Amica scored 19 points (1.9%) above the average score.

Summary: In 2011, 2012, 2013, 2014, & 2015, Amica scored high enough above the industry average and many competitors to indicate its auto claims satisfaction, based on this annual study, is likely to be considered better than most, by a good portion of its customers.

The Annual JD Power Auto Insurance Purchase Experience Study & Amica Auto Insurance Pricing.

In my opinion, the JD Power Auto Insurance Purchase Experience Study is the least important JD Power study for selecting an auto insurance company. An auto insurance company with mediocre claims handling and customer service, but an excellent and easy purchasing experience, is of little value. Buying auto insurance with most companies is easier than ever these days, and even before technology simplified things, the ease and accuracy of the sales process always depended on the experience and customer focus of the particular agent quoting you, not the choice of insurance company. However, this study is useful as a sign of competitive pricing, since a company’s score is a reflection of the satisfaction of auto insurance shoppers with the prices they were quoted by the company. The study rates for three categories: price, distribution channel, and policy offerings, to determine a company’s numerical score for overall satisfaction.

2016: Amica scored 7 points (on a 1,000 point scale) or .7% above the 2016 JD Power Auto Insurance Purchase Experience study average, at 833 out of 1,000 points.

The 2016 U.S. Insurance Shopping Study was based on responses from more than 17,000 shoppers who requested an auto insurance price quote from at least one competitive insurer in the past 9 months and includes more than 50,000 unique customer evaluations of insurers. The study was fielded in April, July & October 2015, and January 2016.

Here is how Amica rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2016:

Pricing: Three Power Circles (about average)

Website: Not rated

Local Agent: Three Power Circles (about average)

Call Center Representative: Five Power Circles (among the best)

Policy Offerings: Four Power Circles (better than most)

Overall Auto Insurance Purchase Satisfaction: Four Power Circles (better than most)

These companies rated better than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Liberty Mutual, The Hartford, American Family, Automobile Club Group, Travelers, Ameriprise, CSAA Insurance Group, and Mercury.

These companies rated worse than average for lower auto insurance rates in the 2016 JD Power Auto Insurance Purchase Experience study: Progressive, Allstate, 21st Century, and MetLife.

2015: Amica scored 17 points (on a 1,000 point scale) or 1.7% above the 2015 JD Power Auto Insurance Purchase Experience study average, at 850 out of 1,000 points.

Here is how Amica rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2015:

Pricing: Four Power Circles (better than most)

Website: Not rated

Local Agent: Not rated (Amica sells direct from the company, and does not have local agents)

Call Center Representative: Four Power Circles (better than most)

Policy Offerings: Three Power Circles (about average)

Overall Auto Insurance Purchase Satisfaction: Four Power Circles (better than most)

These companies also rated better than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: USAA, Erie, Ameriprise (available through Costco), The Hartford, California State Auto Association, Liberty Mutual, Auto Club Group, Travelers, & GEICO.

These companies rated worse than average for lower auto insurance rates in the 2015 JD Power Auto Insurance Purchase Experience study: Progressive, Allied, & Mercury.

2014: Amica scored 6 points (on a 1,000 point scale) or .6% below the 2014 JD Power Auto Insurance Purchase Experience Study average, at 815 out of 1,000 points.

Here is how Amica rated in the factors used to determine its overall satisfaction score for the auto insurance purchase experience in 2014:

Pricing: Two Power Circles (lowest rating)

Website: No rating

Local Agent: No rating

Call Center Representative: Five Power Circles (among the best)

Policy Offerings: Three Power Circles (about average)

Overall Auto Insurance Purchase Satisfaction: Three Power Circles (about average)

2013: Amica scored 845 points on the 1,000 point scale, which was the third highest scoring company, behind USAA at 891 out of 1,000 points, and Erie Insurance, at 851 out of 1,000 points. As mentioned before USAA has restricted membership, so unless you have ties to the US military or are n honorably discharged veteran, USAA is not an option for you. Erie is available in about 11 states only, and scored just 6 points higher than Amica in the 2013 study, which on a 1,000 point scale, is not a significant difference.

Amica received a 4 power circle rating (better than most) in this 2013 study. Does this mean Amica has competitive rates for most auto insurance shoppers? Maybe not. Amica received the highest rating of 5 power circles in the categories of Policy Offerings and Call Center Representative, but only 3 power circles (about average), for the category of Price. The high score for Amica in this 2013 study was probably more influenced by satisfaction with its policy offerings and customer service, than its low prices.

JD Power Auto Insurance Purchase Experience Summary: Unless you can’t qualify for standard or preferred auto insurance because of your driving record or other factors, its worth your time to see what Amica can do for you.

Amica has a larger share of the auto insurance market in the Northeastern states of the USA, which may be a sign of competitive rates in these states, where Amica auto insurance customers gave the company the highest rating of five power circles for the Pricing category in the New England region of 2015 JD Power US Auto Insurance Customer Satisfaction study.

However, the competitiveness of Amica’s auto insurance rates vary by state (like most insurance companies, and also vary by your unique risk characteristics) throughout the USA, as indicated by its average rating in the category of Pricing in the latest JD Power Auto Insurance Purchase Experience Study.

Based on its excellent performance in the other JD Power auto insurance studies, it may be worth it to you pay more if Amica doesn’t have the lowest rates for you. But something I know from my many years working in auto insurance is you don’t necessarily have to pay more for highly rated insurance companies, because they often have great rates, too.

Generally speaking, as someone having sold auto insurance for many years, some companies have the reputation for having low rates in certain states, though the companies and states often change over time. I know Amica, like most auto insurance companies, has competitive rates in some states for some drivers, and less competitive rates in other states. However, it’s a mistake to dismiss a company because you have heard they do not have good rates in your area. Everyone’s situation is unique, and there are many & different variables used by insurance companies to rate auto insurance, so there is no way to know if an auto insurance company has competitive rates for you, unless you get a price quote. This is why I recommend shopping for price quotes with all the leading auto insurance companies each year as the best way to save lots of money on your auto insurance an make sure you continue to pay competitive rates. Be sure to use the ad at the bottom or at the top of this review to get price quotes from multiple insurance companies and find the best insurance company for you.

Its worth your time to get auto insurance quotes from many companies, to make sure you don’t miss out on the company saving you $100s. If you want to find out more about why its important to shop your auto & home insurance, read my explanation here.

The Annual JD Power US National Homeowners Insurance Customer Satisfaction Study

2015: Amica scored 47 points (on a 1,000 point scale) or 4.7% above the 2015 JD Power Homeowners Insurance Customer Satisfaction study average, at 834 out of 1,000 points.

Here is how Amica rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2015:

Policy Offerings: Five Power Circles (among the best)

Price: Five Power Circles (among the best)

Billing & Payment: Five Power Circles (among the best)

Interaction: Five Power Circles (among the best)

Claims: Five Power Circles (among the best)

Overall Homeowners Insurance Satisfaction: Five Power Circles (among the best)

These companies scored 4.9% higher than Amica in the 2015 JD Power Homeowners Insurance Customer Satisfaction study: USAA.

These companies scored 1.5% or more lower than Amica in the 2015 JD Power Homeowners Insurance Customer Satisfaction study: Auto-Owners, Erie, Auto Club of Southern California, GEICO, American Family, COUNTRY Financial, Shelter, State Farm, Nationwide, Allstate, California State Auto Association (CSAA), Hartford, Chubb, Progressive, Cincinnati, Mercury, Farmers, Encompass, Automobile Club Group, Metlife, Kemper, Liberty Mutual, Safeco, Travelers, and Hanover.

2014: Amica scored 49 points (on a 1,000 point scale) or 4.9% above the 2014 US National Homeowners Insurance Customer Satisfaction study average, at 839 out of 1,000 points.

Here is how Amica rated in the five factors used to determine its overall homeowners insurance customer satisfaction score in 2014:

Policy Offerings: Five Power Circles (among the best)

Price: Five Power Circles (among the best)

Billing & Payment: Five Power Circles (among the best)

Interaction: Five Power Circles (among the best)

Claims: Five Power Circles (among the best)

Overall Homeowners Insurance Satisfaction: Five Power Circles (among the best)

These companies scored 6.4% higher than Amica in the 2014 US National Homeowners Insurance Customer Satisfaction study: USAA.

These companies scored 1% or more lower than Amica in the 2014 US National Homeowners Insurance Customer Satisfaction study: Auto-Owners, State Farm, Erie, American Family, Automobile Club of Southern California, The Hartford, Country, Mercury, Allstate, CSAA/AAA NCNU Insurance Group, GEICO, Nationwide, Safeco, Farmers, Metlife, Liberty Mutual, Travelers, Automobile Club Group, Progressive, and The Hanover.

2013: Amica scored 55 points (on a 1,000 point scale) or 5.5% above the 2013 US National Homeowners Insurance Customer Satisfaction study average, at 842 out of 1,000 points.

These companies scored 5.2% higher than Amica in the 2013 US National Homeowners Insurance Customer Satisfaction study: USAA.

These companies scored 2.9% or more lower than Amica in the 2013 US National Homeowners Insurance Customer Satisfaction study: State Farm, Auto-Owners, Erie, Automobile Club of Southern California, Encompass, American Family, Progressive, Country, Allstate, GEICO, The Hartford, CSAA/AAA NCNU Insurance Group, Nationwide, Metlife, Safeco, Automobile Club Group, Chubb, The Hanover, Farmers, Liberty Mutual and Travelers.

2012: Amica was the highest scoring company (without restrictive membership) in the 2012 study, receiving a 5 power circle rating (among the best), scoring 859 out of 1,000 points. This was 35 points (3.5%) above the next highest scoring company in the 2012 study. (It bears mentioning USAA scored much higher than Amica, at 910 out of 1,000 points, so if you are eligible for USAA, due to your current or previous association with the US military, USAA may be a better option for you.) Amica scored 74 points (7.4%) above the study average of 785 points on the 1,000 point scale. This was a 28 point improvement over its 2011 score, and Amica improved on its point spread above the study average from the 2011 study by an additional 12 points.

2011: Amica scored 831 points on the 1,000 point scale for the 2011 study, receiving a 5 power circle rating, which was 62 points (6.2%) above the study average score of 769 out of 1,000 points.

Summary: Amica has outscored its competitors (other than USAA) and the study average in the last five years (2011, 2012, 2013, 2014 & 2015) by enough points to be considered worthy of its 5 power circle rating (among the best) for home insurance customer satisfaction.

The Annual JD Power US Property Claims Satisfaction Study

The 2016 Property Claims Satisfaction Study is based on more than 5,700 responses from homeowners insurance customers who filed a property claim between January 2014 & December 2015.

2016: Amica scored 52 points (on a 1,000 point scale) or 5.2% above the 2016 US Property Claims Satisfaction study average, at 898 out of 1,000 points.

Here is how Amica rated in the five factors used to determine its overall property claims satisfaction score in 2016:

First Notice of Loss: Five Power Circles (among the best)

Service Interaction: Four Power Circles (better than most)

Estimation Process: Five Power Circles (among the best)

Repair Process: Four Power Circles (better than most)

Settlement: Five Power Circles (among the best)

Overall Property Claims Satisfaction: Five Power Circles (among the best)

These companies scored higher than Amica in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): None

These companies scored 1.9% or more lower than Amica in the 2016 US Property Claims Satisfaction study (from highest scoring company to lowest scoring company): Auto Club of Southern California, USAA, Country, Encompass, Erie, Safeco, State Farm, Liberty Mutual, The Hanover, Nationwide, American Family, Chubb, California State Auto Association (CSAA), Farmers, Allstate, Metlife, Travelers, Auto-Owners, Hartford, and MAPFRE (Commerce).

The 2015 Property Claims Satisfaction Study is based on more than 6,100 responses from homeowners insurance customers who filed a property claim between January 2013 & December 2014.

2015: Amica scored 37 points (on a 1,000 point scale) or 3.7% above the 2015 US Property Claims Satisfaction study average, at 888 out of 1,000 points.

Here is how Amica rated in the five factors used to determine its overall property claims satisfaction score in 2015:

First Notice of Loss: Five Power Circles (among the best)

Service Interaction: Four Power Circles (better than most)

Estimation Process: Four Power Circles (better than most)

Repair Process: Four Power Circles (better than most)

Settlement: Five Power Circles (among the best)

Overall Property Claims Satisfaction: Five Power Circles (among the best)

These companies scored .7% higher than Amica in the 2015 US Property Claims Satisfaction study: USAA

These companies scored 1.4% or more lower than Amica in the 2015 US Property Claims Satisfaction study: Erie, Chubb, Travelers, CSAA/AAA NCNU, Encompass, Allstate, State Farm, The Hartford, Metlife, Farmers, Safeco, Liberty Mutual, Auto Club of Southern California, American Family, The Hanover, Auto-Owners, and Auto Club.

2014: Amica scored 58 points (on a 1,000 point scale) or 5.8% above the 2014 US National Property Claims Satisfaction study average, at 898 out of 1,000 points.

These companies scored .7% higher than Amica in the 2014 US National Property Claims Satisfaction study: USAA.

These companies scored 2.1% or more lower than Amica in the 2014 US National Property Claims Satisfaction study: Erie, Nationwide, Auto-Owners, Farmers, Liberty Mutual, The Hartford, Safeco, Metlife, Allstate, State Farm, Chubb, Travelers, CSAA/AAA NCNU Insurance Group, Automobile Club of Southern California, American Family, and Auto Club Group.

2013: Amica was the highest scoring company, even slightly above USAA, in the 2013 study, receiving a 5 power circle rating (among the best), scoring 907 out of 1,000 points. Both Chubb & USAA scored a few points less than Amica in the 2013 study. Amica scored 75 points (7.5%) above the study average of 832 points on the 1,000 point scale. This was a 13 point improvement over its 2012 score, and Amica improved on its point spread above the study average from the 2012 study by an additional 14 points.

2012: Amica scored 894 points on the 1,000 point scale for the 2011 study, receiving a 5 power circle rating, which was 61 points (6.1%) above the study average score of 833 out of 1,000 points.

Summary: Amica has again outscored its competitors (other than USAA) and the study average in the last five years (2012, 2013, 2014, 2015, & 2016) by enough points to be considered worthy of its 5 power circle rating (among the best) for homeowners insurance claims satisfaction.

3. Amica Auto & Home Insurance Complaint Statistics & Ratings

The auto & home insurance (including homeowners, condominium-owners, and renters) complaint statistics for the Amica Insurance companies listed below were calculated by the NAIC, and display the ratio of each company’s U.S. Market Share of closed complaints compared to its U.S. Market Share of premiums for a specific policy type. Complaint ratios lower than “1” have less complaints than average, and complaint ratios over “1” have more complaints than average. The lower the complaint ratio, the less complaints against the company. Ideally, you want to choose an insurance company with complaint ratios much less than 1.00 each year, over the last three years.

So you don’t have to worry about comparing complaint ratio numbers, I devised a rating system to help you identify if Amica Insurance has a good or poor complaint record.

Here’s how I establish my auto & homeowners insurance complaint ratings:

B = Better than average. Insurance companies with complaint ratios less than 75% of the average insurance company.

C = Average. Insurance companies with complaint ratios from 75% to 125% of the average insurance company. I use a minus sign (-) to indicate auto insurance complaint ratios slightly worse than average (1.05 to 1.25) and a plus sign (+) for auto insurance complaint ratios slightly better than average (.95 to .75).

W = Worse than average. Insurance companies with complaint ratios more than 125% of the average insurance company.

I prefer companies with the longest recent history of “B” ratings each year (or at least in the most recent three years). Companies with “B” or “C+” ratings are okay, too, particularly if they have less market share, with less than $100,000,000 in premiums for that line of insurance (auto or home) each year. I prefer to avoid companies with a consistently higher than average number of complaints, or with inconsistent complaint records, unless there are mitigating factors, such as small market share.

Amica has two subsidiary companies insuring motor vehicles in the US:

Amica Mutual Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = B (.37)

2014 US auto insurance premium = $1,078,896,152

2013 Auto Insurance Complaint Ratio = B (.48)

2013 US auto insurance premium = $1,030,724,193

2012 Auto Insurance Complaint Ratio = B (.41)

2012 US auto insurance premium = $997,905,478

2011 Auto Insurance Complaint Ratio = B (.40)

2011 US auto insurance premium = $951,476,013

2010 Auto Insurance Complaint Ratio = B (.40)

2010 US auto insurance premium = $903,850,701

2009 Auto Insurance Complaint Ratio = B (.43)

Amica Mutual is the largest Amica subsidiary selling auto insurance in the USA. As you can see from its auto insurance complaint statistics, it has maintained a consistently better than average complaint record, with less than half the average number of complaints expected, based on its market share, in each of the last six years. Based on its annual US auto insurance premium, Amica Mutual has grown its market share each year since 2010, which may be a sign of competitive rates for at least some of the people contacting Amica for an auto insurance quote. Whether you are offered Amica Mutual, or its other auto insurance subsidiary listed below, when you contact Amica for an auto insurance quote, may depend on the state in which you live, your driving record, or other factors.

Amica Property & Casualty Insurance Company Auto Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Auto Insurance Complaint Ratio = C- (1.14)

2014 US auto insurance premium = $18,913,488

2013 Auto Insurance Complaint Ratio = B (.42)

2013 US auto insurance premium = $51,582,152

2012 Auto Insurance Complaint Ratio = B (0) (No complaints)

2012 US auto insurance premium = $49,450,659

2011 Auto Insurance Complaint Ratio = B (.55)

2011 US auto insurance premium = $46,477,038

2010 Auto Insurance Complaint Ratio = B (.60)

2010 US auto insurance premium = $42,654,941

2009 Auto Insurance Complaint Ratio = B (.44)

Amica Property & Casualty had a consistently better than average auto insurance complaint record each year from 2009 to 2013, but the two auto insurance complaints it received in 2014 resulted in a complaint ratio with a higher than average number of complaints due to its much reduced auto insurance market share. The Amica Property & Casualty Insurance Company subsidiary, like the Amica Lloyds of Texas subsidiary below in the homeowners insurance complaints section, may be in the process of being phased out, and may be non-renewing its auto insurance customers, possibly with offers to insure with the Amica Mutual Insurance Company subsidiary.

Amica has two subsidiary companies selling property (home, renters, condo, & mobile home) insurance in the US:

Amica Mutual Insurance Company Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (.29)

2014 US home insurance premium = $663,202,870

2013 Home Insurance Complaint Ratio = B (.26)

2013 US home insurance premium = $517,586,457

2012 Home Insurance Complaint Ratio = B (.28)

2012 US home insurance premium = $468,600,873

2011 Home Insurance Complaint Ratio = B (.21)

2011 US home insurance premium = $433,081,563

2010 Home Insurance Complaint Ratio = B (.27)

2010 US home insurance premium = $401,700,030

2009 Home Insurance Complaint Ratio = B (.18)

Amica Mutual is the largest Amica subsidiary selling home insurance in the USA. As you can see from its home insurance complaint statistics, it has maintained a consistently better than average complaint record over the last six years, with 28% or less the average number of home insurance complaints expected, based on its market share, in each of the last six years. Based on its annual US home insurance premium, Amica Mutual has grown its home insurance market share each year since 2010, which may be a sign of competitive rates for at least some of the people contacting Amica for an home insurance quote. However, the large growth in homeowners insurance premium from 2013 to 2014 may be due in part to the assumption of customers from the Amica Lloyd’s of Texas subsidiary.

Amica Lloyd’s of Texas Home Insurance Complaint Statistics & Ratings

B = Better than Average C = Average W = Worse than Average

2014 Home Insurance Complaint Ratio = B (0) (No complaints)

2014 US home insurance premium = No home insurance policies in force.

2013 Home Insurance Complaint Ratio = B (0) (No complaints)

2013 US home insurance premium = $87,861,449

2012 Home Insurance Complaint Ratio = B (0) (No complaints)

2012 US home insurance premium = $74,014,382

2011 Home Insurance Complaint Ratio = B (.13)

2011 US home insurance premium = $65,427,777

2010 Home Insurance Complaint Ratio = B (.15)

2010 US home insurance premium = $60,247,094

2009 Home Insurance Complaint Ratio = B (0) (No complaints)

Amica Lloyd’s of Texas was the Amica home insurance subsidiary company for Texas, and insured homes only in Texas. As of 2014, it no longer has any homeowners insurance policies in force, so Amica may have discontinued this subsidiary’s home insurance line, and non-renewed its customers home insurance policies, with most customers receiving offers at renewal for the Amica Mutual Insurance Company subsidiary.

Thanks for reading this Amica auto & home insurance review. You can find other reviews of leading auto, home, & life insurance companies on my website & blog. Many people pay too much for their insurance because they never shop for better rates, or if they do shop, they don’t check the rates of enough companies. For a lot of people, the best insurance company is the one with the lowest rates. The ad below will take you to links to get online quotes from leading Home, Auto, Health, & Life insurance companies in your area. Choose the type of insurance, put in your zip, and start shopping now!

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