Consumer Reports Says This Car Insurance Company Is Third Best

Whether it's the staggering rise in auto insurance rates or general unhappiness with service, 38% of customers have reported low satisfaction scores regarding their car insurance policies, according to a J.D. Power study. So, it should come as no surprise that many people are ready to switch providers.

Consumer Reports recently ranked the best car insurance companies, reviewing 36 providers. The non-profit group asked more than 40,000 of its policy-owning members for their opinions on how well insurance companies deal with claims, as well as the ease of speaking to an agent, clarity of policies, and equitable premium prices. The findings placed Amica Mutual Insurance Company, based out of Lincoln, R.I., in the number three slot. This is one of the oldest insurers of automobiles in the United States, as it wrote its first policy in 1907. 

Though Amica was third on the Consumer Reports list, it's more widely available than the top two ranked companies. Erie Insurance Group, the top-rated provider, offers policies in only 12 states and the District of Columbia. The second-best insurance company on the Consumer Reports list (NJM Insurance Group)is even more limited, as it's only available in five states. Amica's auto coverage policies are offered in 49 states and the District of Columbia.

According to Consumer Reports, one of the biggest advantages for Amica is its efficiency in handling customer claims. Reviewers appreciate the options provided by the company for submitting claims via phone, an app, or the company website. For the second consecutive year, Amica received the highest customer satisfaction score in the J.D. Power 2025 U.S. Auto Insurance Study. It received a perfect score from Consumer Reports survey participants in claim handling and ease of understanding coverage. This may explain why Amica has fewer reports of customer complaints than other auto insurers. It also received above-average scores in areas such as breadth of coverage, answering non-claim customer service questions, and providing useful advice on coverage options that are most beneficial for each person. Consumer Reports gave the company a "CR Recommended" designation based on those survey results.

In some states, Amica offers customers the option of purchasing a dividend-paying policy, meaning that drivers who do not file claims are eligible to receive some refunded money. It has discounts available for those who insure multiple vehicles or bundle auto insurance with other policies. You might also be eligible for a discount if you avoid making a claim for three consecutive years or if you buy a car that has anti-theft and anti-collision technology.

In the Consumer Reports survey, Amica received lower scores than the other top companies regarding the price of its premiums. If you're primarily looking for how to save on your car insurance, Amica might not be your best option. The company has some of the highest costs for its policies. Drivers who have received a speeding ticket or DUI conviction will pay significantly more for their policies than the national average, as will those with a poor credit score.

Although its auto insurance policies are available almost everywhere in the United States, if you own a vehicle in Hawaii, you cannot purchase Amica coverage. In many of the states where it offers coverage, the company has decided, within the past several years, to switch from writing 12-month auto insurance policies to six-month policies. Amica says it can more quickly respond to changing market conditions with six-month policies. But from a customer perspective, only having coverage for six months means Amica could raise rates two times a year, instead of introducing new rates once a year.