Amica Claim Complaints
Regulator data last updated October 24, 2026. Page edited by Ali Ahmad, MyAutoTriage editor.
Short answer
Amica had too few complaints in the Texas, New York and California data to compare fairly with other insurers.
Texas 2025
–
Too few complaints to compare
5 confirmed complaints, 42,284 auto policies. Average = 1.00.
New York 2024
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Too few complaints to compare
4 upheld complaints on $97 million of premium. Average = 1.00.
California 2025
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Too few complaints to compare
4 justified complaints, 67,378 insured vehicles. Average of the 50 largest insurers = 1.00.
What stands out in Amica's numbers
In Texas this page counts 2 companies selling as Amica. The largest, Amica Mutual Insurance Company, holds 95% of the brand's 42,284 auto policies in force there, so its record drives the score.
"Poor claim handling or communication" came up in 52% of Texas complaints about Amica, against 61% for all Texas auto insurers.
In New York's 2024 ranking, the 2 companies selling as Amica placed between 29 and 78 of 128 auto insurers (1 = fewest upheld complaints for its premium).
In California's 2025 report, Amica's company placed 36 of the 50 largest auto insurers (1 = fewest justified complaints for the vehicles it insures).
What Texas drivers complained about (2025)
In 2025 the Texas Department of Insurance closed 21 auto complaints about Amica. The most common reasons:
- Poor claim handling or communication (52% of complaints)
- Low settlement offer (43% of complaints)
- Claim delays (33% of complaints)
- Claim denied (19% of complaints)
- Disputed who was at fault (14% of complaints)
One complaint can list more than one reason. These counts include every complaint TDI closed that year, not only confirmed ones, and count by closing year the way TDI's complaint index does.
Did complaining get people paid?
71% of the 17 claim complaints about Amica ended with the claim settled or more money paid, by TDI's record of how each was resolved. For all Texas auto insurers the figure was 58%.
If Amica is stalling or lowballing your claim
- Put it in writing. Ask the adjuster by email for the reason for any delay or offer, and the policy language or valuation report behind it.
- Keep a dated record of every call, promise and document. State claim rules set deadlines for acknowledging, deciding and paying claims, and a record shows when they were missed.
- Send a written counter-offer with your own evidence: estimates, comparable cars, receipts.
- If that goes nowhere, file a complaint with your state insurance department. It's free, and the insurer has to answer it in writing.
Companies counted as Amica
- Amica Mutual Insurance Company (TX, NAIC 19976)
- Amica Property and Casualty Insurance Company (TX, NAIC 12287)
- Amica Property and Casualty Insurance Company (NY, NAIC 12287)
- Amica Mutual Insurance Company (NY, NAIC 19976)
- Amica Mutual Insurance Company (CA)
Frequently asked questions
Does Amica have a lot of complaints?
Amica had too few complaints in the Texas, New York and California data to compare fairly with other insurers.
What does a complaint index of 1.00 mean?
1.00 is the average for all auto insurers in that state, adjusted for size. A score of 0.50 means half as many complaints as expected for the company's size; 2.00 means twice as many.
Sources
- Texas Department of Insurance, Complaint indexes and policy counts for insurance companies (2025, automobile)
- Texas Department of Insurance, Insurance complaints: All data
- New York Department of Financial Services, Automobile Insurance Company Complaint Rankings (filing year 2024)
- California Department of Insurance, Automobile Complaint Composite Report (complaint year 2025)
- NAIC, How to file a complaint with your state insurance department
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