Amica Mutual Insurance Company is the oldest mutual automobile insurance company in the US, but the company now provides a variety of personal insurance products, including auto, home, and life policies, as well as marine and excess liability coverage. Amica sells its policies directly to customers through some 45 offices throughout the US. The multi-line insurance company, in its current incarnation, was formed in 1973 when Automobile Mutual Insurance Company of America combined with Factory Mutual Liability Insurance Company of America.


Property/casualty coverage is Amica's strong suit, and it offers coverage ranging from renter's insurance to marine insurance on yachts. Its life insurance and annuity offerings include long-term care and life settlement products. The company had more than 1.5 million policies in force and held assets of $4.9 billion in 2015.

Amica Mutual underwrites most of its property/casualty policies, with its Amica Property and Casualty Insurance and Amica Lloyd's of Texas unit handling policies in New Jersey and Texas, respectively. Life insurance is issued through the Amica Life Insurance Company subsidiary. The company also has two insurance brokerage subsidiaries: Amica General Agency, which serves specialty customers across the US, and Amica General Insurance Agency of California, which serves states in the West.

Geographic Reach

Authorized to do business throughout the US except Hawaii, the company has 44 offices in 28 states. It does significant business in the Northeast and in California, Florida, and Texas.

Sales and Marketing

Amica uses television and internet advertising, as well as direct mail and social media campaigns, to market its products.

Financial Performance

In fiscal 2015 revenue increased 8% to $2.1 billion thanks to the company's 4.5% growth of property/casualty policies in force and its 4.8% growth in life insurance policies in force. Net income totaled $56.2 million that year, a 70% decline from the year before. That drop was largely due to catastrophe losses incurred as a result of the year's harsh winter (but was partially offset by stronger investment returns).

Cash outflow from operations totaled $12.4 million in 2015, versus a cash inflow of $156.5 million in 2014. Again, this was primarily due to an increase in losses for the year.


Amica is focusing on expanding its portfolio of insurance products, with an emphasis on growing its life insurance business.

The company has successfully expanded its policy sales volumes through marketing initiatives and technology enhancements in recent years. For example, Amica has upgraded its phone systems, implemented an electronic claims filing system, and launched a new website. It is also opening new regional offices to enhance customer service.

To cut costs and provide better customer service, in 2014 the company chose Semafone's secure payments technology to handle payments taken over the telephone. The new payments system will be implemented across Amica's 44 branches and customer call centers, giving 1,500 customer service representatives the ability to process secure telephone payments through the Semafone system.

Company Background

The company traces its roots back to 1907 (when fire coverage was a car owner's most important need due to the danger of exploding gas tanks). Amica was founded in Providence by A. T. Vigneron.

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100 Amica Way
Lincoln, RI 02865-1156
Phone: 1 (800) 992-6422


  • Employer Type: Private Mutual Company
  • Chairman, President, and CEO: Robert A. DiMuccio
  • Chairman, President, and CEO: Robert A. DiMuccio
  • Account Manager: Mollie Hughes
  • 2013 Employees: 3,000

Major Office Locations

  • Lincoln, RI
  • Providence, RI

Other Locations

  • Costa Mesa, CA
  • Petaluma, CA
  • Littleton, CO
  • Bethel, CT
  • Duluth, GA
  • Lisle, IL
  • Holyoke, MA
  • Westborough, MA
  • Columbia, MD
  • Ann Arbor, MI
  • Minneapolis, MN
  • Raleigh, NC
  • Albany, NY
  • Fairport, NY
  • Hauppauge, NY
  • West Chester, OH
  • Lake Oswego, OR
  • Horsham, PA
  • Greenville, SC
  • Plano, TX
  • Spokane Valley, WA
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