Amica Insurance — Company Profile
What it is: a mutual (policyholder-owned) insurer founded in 1907 in Providence, Rhode Island, by A.T. Vigneron, as the Automobile Mutual Insurance Company of America. It describes itself as the oldest mutual automobile insurer in the U.S.; homeowners insurance was added in 1956. Its corporate office is in Lincoln, Rhode Island, it sells direct only (no independent agents), and it writes in 49 states — not Alaska or Hawaii.
Verdict: Legit Our rating: Not yet rated — the evidence check is published (see the legit check); numeric scoring with visible inputs is in progress, and we do not publish a number without them.
Amica is a real, licensed, century-old mutual insurer with a Superior (A+) AM Best rating whose outlook was revised back to stable in 2026, and a #1 homeowners ranking in the J.D. Power 2026 U.S. Home Insurance Study. The practical question is fit: it sells direct only, at mutual-company scale — smaller than the giants, chosen for service rather than shelf breadth. Full verdict evidence: Is Amica legit?
The evidence
- Identity & scale: founded 1907 in Providence, Rhode Island, by A.T. Vigneron, as the Automobile Mutual Insurance Company of America; originally wrote auto, fire, and theft; homeowners added in 1956; corporate office in Lincoln, RI since 1994; a policyholder-owned mutual.
- Financial strength: AM Best A+ (Superior), affirmed with the outlook revised to stable from negative — effective March 13, 2026 — for the Amica Mutual Group, including Amica Property and Casualty Insurance Company. Context matters: the outlook had been cut to negative in February 2024, so the 2026 action is a recovery signal. Ratings can change — check AM Best for the current rating before relying on it.
- Independent recognition: ranked #1 in homeowners insurance in the J.D. Power 2026 U.S. Home Insurance Study — its second consecutive year at #1 (company press release via Business Wire, September 29, 2026). We cite the ranking; we do not print a study score we could not verify.
- How it sells: direct only — through its own representatives, with no independent-agent channel. Dividend policies can return up to 20% of premium in some states.
- Availability: writes in 49 states — not Alaska or Hawaii.
- Complaint pattern: our standard complaint index — the CarInsurance.com compilation of NAIC data used for every auto profile on this site — covers private-passenger auto only, so no figure from it exists for this line. Other compilations publish figures on different bases and disagree with each other, so rather than borrow one, we publish this company’s financial-strength rating and market data instead, and say so.
Where to check next
There are no live quote offers for Amica on this site yet, so the honest next step is comparison, not a checkout button:
| Alternative | Best for | See |
|---|---|---|
| All major home insurers, side by side | Comparing sales models and fit | Best home insurance comparison |
| Run the numbers for your situation | A sourced estimate before you shop | Home insurance premium estimator |
| The home insurance hub | Coverage, costs, and how to shop the line | Home insurance hub |
Reader reviews
No verified reviews yet. This profile is new, and we will not dress it up with placeholder praise. When reviews arrive, each one is moderated by a human, labelled verified only when we can verify the reviewer, and published whether it is positive or negative.
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Amica questions
Is Amica a mutual or a stock company?
A mutual — owned by its policyholders. Founded in 1907 as the Automobile Mutual Insurance Company of America, it describes itself as the oldest mutual automobile insurer in the United States.
Can I buy Amica through an independent agent?
No. Amica sells direct only, through its own representatives — there is no independent-agent channel. If comparing through one agent across many carriers matters to you, an agent-channel carrier fits better.
Why does this profile say “Not yet rated”?
We publish a numeric score only with the inputs behind it visible on the page. This company’s evidence check (on our Is It Legit page) is complete; its full numeric scoring is in progress, so the honest label is “Not yet rated” rather than an invented number.
Is this your business?
Amica representatives can claim this profile to respond to reviews and correct factual errors. Claiming is free; it never changes a verdict, a score, or a review. How claiming works
Sources (checked October 2026): Founding 1907 by A.T. Vigneron as the Automobile Mutual Insurance Company of America; homeowners added 1956; Lincoln RI corporate office (Wikipedia; Providence Journal; Amica). AM Best: A+ (Superior) affirmed, outlook revised negative to stable, effective Mar 13, 2026 (AM Best BestWire; AM Best Rating Center). J.D. Power 2026 U.S. Home Insurance Study #1 homeowners ranking, second consecutive year (Amica press release via Business Wire, Sep 29, 2026; amica.com awards page). Direct-only distribution; 49-state availability (Insure.com; CoverageCat). A homeowners premium/market-share figure in the research was single-sourced with ambiguous line attribution, so this page prints no market-share number.