InsuranceComplaintCheck

Amica Mutual — Insurance Complaint Report

Amica Mutual: Low Complaints, Focused on Claims Issues

Key Metrics

  • Total Complaints: 160
  • NAIC Complaint Ratio: 0.38
  • Market Share: 0.6%
  • AI Risk Score: 50/100
  • Most Recent Complaint: 2025-07-16

AI Insurer Analysis

Amica Mutual has accumulated 160 insurance complaints on record. Their NAIC complaint ratio of 0.38 is well below average, meaning they receive fewer complaints than expected for an insurer of their market size. With approximately 0.6% market share, Amica Mutual is a smaller player in the insurance market. The most common complaint categories are: homeowners (10), auto (10). Amica Mutual has a low complaint ratio, indicating strong customer satisfaction. The majority of complaints are related to claims and coverage disputes, suggesting potential issues with claim handling. Recent complaints have been concentrated in the last 6 months, indicating a recent trend in customer dissatisfaction. Trend shows increasing complaints in the last 6 months, particularly regarding claims and coverage. Areas of concern include: High claim denial rate; Recent increase in complaints. On the positive side: Strong market share.

Risk Breakdown

  • regulatoryActions: none
  • complaintRatio: low
  • claimDenialRate: moderate
  • responseTime: poor

Red Flags

  • High claim denial rate
  • Recent increase in complaints

Green Flags

  • Strong market share

Consumer Tips

When dealing with Amica Mutual, keep these practical tips in mind: 1. Be proactive in reporting claims to avoid delays. 2. Review policy terms carefully to understand coverage limits. Before purchasing a policy, compare Amica Mutual's complaint ratio (0.38, well below average) with competitors offering similar coverage. Always read the full policy document, paying attention to exclusions and limitations. Document all communications with the insurer in writing. If you experience a dispute, file a complaint with your state Department of Insurance — it is free and often results in faster resolution.

Trend Analysis

Trend shows increasing complaints in the last 6 months, particularly regarding claims and coverage.

Frequently Asked Questions about Amica Mutual

Is Amica Mutual a good insurance company?

Amica Mutual has 160 complaints on record. Their NAIC complaint ratio is 0.38, which is well below average. They hold approximately 0.6% market share. A complaint ratio below 1.00 indicates fewer complaints than expected for a company of this size; above 1.00 indicates more.

What are the most common complaints about Amica Mutual?

The most common complaint categories for Amica Mutual are: homeowners (10), auto (10). The leading specific issues are: Claim denial (5), Coverage dispute (5), Premium increase (3).

How does Amica Mutual compare to competitors?

Amica Mutual's NAIC complaint ratio of 0.38 is well below average. Companies with ratios below 1.00 receive fewer complaints relative to their size. When comparing insurers, also consider financial strength ratings, coverage options, and premium pricing alongside complaint data.

Should I file a DOI complaint against Amica Mutual?

If you have an unresolved dispute with Amica Mutual, filing a complaint with your state Department of Insurance (DOI) is a free and effective option. Steps: (1) Gather all documentation including your policy, correspondence, and claim records. (2) Contact your state DOI — most Amica Mutual complaints come from North Dakota. (3) File online or by mail. (4) The DOI typically responds within 30-45 days.

Are Amica Mutual complaints getting better or worse?

Amica Mutual has 160 total complaints. In the most recent data, 20 complaints were recorded across 2 coverage categories. Check the NAIC Consumer Information Source for the most current complaint ratio trends.

What insurance companies have the lowest complaint ratios?

Insurance companies with the lowest complaint ratios typically include mutual insurers and member-owned companies. To find alternatives to Amica Mutual, compare NAIC complaint ratios for companies offering the same coverage types (homeowners, etc.). Your state DOI website provides complaint data specific to companies licensed in your state.

Has Amica Mutual been fined or sanctioned by insurance regulators?

Regulatory action information is available through your state Department of Insurance and the NAIC. Amica Mutual has 160 consumer complaints on record with a complaint ratio of 0.38. For specific regulatory actions, check the NAIC Regulatory Actions database and your state DOI enforcement records.

Which states have the most complaints against Amica Mutual?

The states with the most complaints against Amica Mutual are: North Dakota (2), Utah (2), Maryland (2), Rhode Island (2), Oregon (1). This distribution may reflect the company's market presence in those states rather than indicating worse service in specific locations.

What patterns emerge from Amica Mutual's complaint data?

Most complaints are from homeowners and auto insurance policies.

How does Amica Mutual handle claims compared to peers?

The majority of recent complaints are about claim denials and coverage disputes.

What is the complaint trend for Amica Mutual?

Trend shows increasing complaints in the last 6 months, particularly regarding claims and coverage.

What should prospective policyholders know about Amica Mutual?

Complaints have been reported in multiple states, indicating a widespread issue.

Are there systemic issues in Amica Mutual's complaint history?

The insurer has not faced any regulatory actions, suggesting a generally compliant business practice.

Recent Complaints Against Amica Mutual

Amica Mutual Complaints by State

Amica Mutual Complaints by Coverage Type

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This analysis is based on NAIC complaint data and AI interpretation. Not legal, financial, or insurance advice.