Amica vs State Farm

Verdict

State Farm and Amica are both policyholder-owned mutuals rated A+ (Superior) by AM Best. State Farm was downgraded to that level from A++ in November 2025. Amica's rating was affirmed in March 2026, with its outlook raised to stable from negative. Both return money to customers: State Farm through a $5 billion auto dividend in 2026, Amica through dividend policies in some states. They are very different in scale and in how they sell. State Farm wrote $69.16 billion of private passenger auto premium in 2025 (18.61%) through more than 19,200 captive agent offices. Amica wrote $1.64 billion (0.44%) direct, by phone, online, chat and its own branch offices, with no agents.

Geography shapes this choice. State Farm doesn't quote new auto business in Massachusetts or Rhode Island, Amica's home state. Amica ranked first in New England in the J.D. Power 2026 U.S. Auto Insurance Study (702, against a 631 average), and AM Best says the company is concentrating on its core northeastern states. Elsewhere State Farm's regional scores are strong: above average in nine of 11 regions and first in the Northwest. Their 2025 claims scores were close, with State Farm at 716 (tied 8th of 20) and Amica at 718 (7th).

Outside New England, the deciding factor is usually whether you want a local agent. Where both sell, get quotes from both.

Choose Amica if

• You live in Massachusetts or Rhode Island, where State Farm doesn't take new auto customers.
• You live elsewhere in New England, where Amica topped J.D. Power's 2026 rankings.
• You're comfortable without an agent and like phone and chat service.
• You'd consider a dividend policy, which Amica says has averaged 5% to 20% of premium where offered (not guaranteed).
• You can bundle home, umbrella or life with auto for savings Amica puts at up to 30%.

Choose State Farm if

• You want a named local agent.
• You live outside the Northeast, where State Farm's regional satisfaction scores are among the strongest.
• You want a telematics discount that pays 10% just for enrolling (Drive Safe & Save, outside CA, MA and RI).
• You have a driver under 25 who could earn the Steer Clear discount.
• You want rideshare driver coverage for Uber or Lyft driving.

Key differences

Amica made significant rate increases in 2024 and 2025, and State Farm cut rates an average of 10% in 40 states, so past reputations may not match today's prices. Quote both with identical coverage on the car insurance quote comparison worksheet. mutual vs stock insurers: does ownership matter? explains what mutual ownership does and doesn't mean for you.