Amica ranks first overall in the country compared to national and regional insurers due to its high scores for customer satisfaction, coverage and financial strength. This is based on a $20,000 personal coverage and $100,000 liability, $1,000 deductible, with a good credit. While it can be a great option for those with minimal personal property, whether it suits you with higher coverage levels depends on your circumstances.
Amica Renters Insurance Review
Updated: December 29, 2025
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Key Takeaways
Amica ranks 12th in the nation for affordability, with average premiums of $14 monthly or $168 annually for $50,000 in property coverage.
Amica ranks third in customer satisfaction due to its high industry ratings for satisfaction across the board and low complaints index.
Coverage is where Amica performs second best nationally.
Amica Renters Insurance Ratings
| Overall Score | 4.04 | 1 |
| Affordability | 3.53 | 1 |
| Customer Experience | 4.68 | 1 |
| Coverage Options | 4.00 | 1 |
Amica Renters Insurance Cost
Amica's average renters insurance costs range from $13 to $30 monthly, roughly about $150-$360 annually. Because costs vary widely depending on factors specific to you, we've created a filterable table to compare costs for your profile nationally.
| $20K Personal Property / $100K Liability | $9 | $107 |
Amica Renters Insurance Discount Options
Amica offers seven discounts, aligning with the industry average. Here are Amica's discount options:
Discount | Description |
|---|---|
Multi-policy | Save up to 30% off your premiums when you bundle your policies or up to 15% when combining renters and auto insurance. |
Dividend policy option | With dividend policies, you may receive up to 20% of your policy premium back if specific conditions are met. |
Smart home device | Certain smart devices in your home, like sensors that detect theft or fire, may qualify you for policy discounts. |
E-discount | Get discounts for signing up for e-bills and electronic policy information. |
Claims-free | Earn savings by being claims-free for three or more years. |
Loyalty | Available for being a policyholder with Amica or another insurer for at least two years. |
Autopay | Save money by enrolling in automatic payment. |
Amica Renters Insurance Customer Satisfaction
Amica has recently improved its performance this year, making it the top-ranking insurance provider for low-cost renters' insurance with a $20,000 personal coverage and $100,000 liability. Although it ranks lower in higher personal coverage, it still maintains an excellent standing as one of the top providers of renters insurance throughout the country.
Amica Renters Insurance Coverage Options
Amica offers these additional renters coverage options:
Identity theft
Amica's identity theft insurance helps you recover from the financial and personal impacts of having your identity stolen, covering legal fees, lost wages and identity restoration expenses.
Flood insurance
Amica offers optional flood coverage to protect you in case your personal property gets damaged due to flooding.
Scheduled personal property
An add-on for renters who own high-value items that standard policies may not fully protect, allowing you to separately cover valuable belongings like jewelry, art or collectibles up to a specified value.
Water backup
Helps repair or replace your personal property if it's damaged by water from backed-up drains or sump pump failures.
Earthquake
You can get earthquake coverage as an add-on to your renters policy to be reimbursed if your property is destroyed by an earthquake.
Electronic
Optional coverage that specifically protects electronic devices like laptops, smartphones and tablets from losses not covered in your policy, such as accidental damage.
Amica Renters Insurance Review: Bottom Line
Amica is a great choice for you, ranking first overall in the country for $20,000 personal coverage. But there are more affordable providers, so we recommend comparing quotes from multiple insurers.
Amica Renters Insurance: FAQ
Below are some frequently asked questions about Amica renters insurance:
Is Amica renters insurance good?
Amica renters insurance ranks second nationally, making it a great choice. It scores high in customer satisfaction at third, but its affordability rank is 1st, indicating great savings and other benefits for renters.
How much does Amica renters insurance cost?
Amica's renters insurance rates vary by profile, with average annual costs ranging from $80 to $693.
Is Amica's renters insurance cheap?
Amica ranks 1st in affordability, indicating above-average cost for renters insurance. It's a prime pick for customer satisfaction and coverage options.
How We Rated Renters Insurance Companies
To evaluate Amica as a renters insurance company, MoneyGeek obtained information directly from Amica's website and manually collected quotes. We also used information from consumer intelligence organizations such as J.D. Power, the National Association of Insurance Commissioners (NAIC) and AM Best to see how Amica compares to other providers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction — and Drive Policy Shopping, J.D. Power Finds." Accessed June 26, 2025.
- J.D. Power. "Widespread Price Increases, Extreme Weather Events and Long Repair Cycle Times Strain Customer Satisfaction with Homeowners Insurance Claims, J.D. Power Finds." Accessed June 26, 2025.