Amica insurance review 2025
Shoppers in search of reliable auto, home and life insurance who prioritize good customer service and don’t mind paying extra for it may find their insurer of choice in Amica.
Bankrate award winner
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AutoAvg. annual premium for full coverage $3,840Avg. annual premium for min coverage $1,269HomeAvg. annual premium for $300k dwelling coverage $1,555Avg. annual premium for $750k dwelling coverage $3,127
Compare Amica with other insurers
Amica stands out from the competition for its customer service and claims handling procedures, but other insurers may offer separate advantages worth considering.
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Featured
Amica
4.6
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.5Coverage 5.0Support 4.4 |
Allstate
4.1
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 3.6Coverage 4.5Support 4.6 |
Erie
3.9
Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C.
Cost & ratings 4.2Coverage 3.8Support 3.2 |
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Amica may be a good fit for shoppers who value customer service and robust coverage options and don’t mind paying more for coverage.
Read More
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Allstate offers a more extensive list of financial products, including home, auto and life insurance, with flexible payment and customer service options.
Read More
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Like Amica, Erie excels in the area of customer service, but also offers competitive rates for both home and auto in its smaller operating region.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Best-in-class customer service
Various bunding opportunities
Dividend policies available
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Multiple reward options
Strong mobile and online tools
Teen driving training program
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Erie Rate Lock
Policies include pet insurance
Low average rates
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| $3,840 | $3,354 |
$2,261 |
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J.D. POWER AUTO SCORE
J.D. Power’s U.S. Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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746/1000 |
691/1000 | 733/1000 |
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AVG HOME RATE
Average national annual cost of a home insurance policy with $300K in dwelling coverage
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$1,555 |
$2,573 | $2,498 |
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J.D. POWER HOME SCORE
J.D. Power’s U.S. Property Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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745/1000 |
665/1000 | 705/1000 |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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A+(Superior) |
A+(Superior) | A+(Superior) |
Amica car insurance review
Amica’s auto insurance earned a 4.4 out of 5.0 Bankrate Score and tied with USAA for Best Auto Insurance Company Overall in the 2025 Bankrate Awards. The primary reason: Amica stands out among other highly-rated insurers for having consistently positive customer service reviews, with overwhelmingly glowing feedback from actual customers.
Amica’s actual auto insurance offerings are also a major draw, with robust coverage options including the Platinum Choice Auto package, which includes full glass coverage, identity fraud monitoring and generous rental car coverage. However, if you’re not interested in buying the full package, you’ve still got the option to add any individual endorsement to your base policy. As a mutual insurance company, Amica also gives policyholders the unique choice between a traditional policy and a dividend policy, which pays back 5 to 20 percent of your annual home insurance premium if certain conditions are met.
To discuss a quote with Amica, those interested can contact Amica over the phone or by visiting www.amica.com.
BEST AUTO INSURANCE COMPANY OVERALL AND FOR CUSTOMER EXPERIENCE
While Amica isn’t the cheapest auto insurer, its rock-solid reputation for stellar customer service earned it two awards.
See why Amica won
Pros and cons of Amica car insurance
When it comes to auto insurance, Amica is a company with high highs and low lows. Compare the pros and cons below before requesting car insurance quotes from Amica.
Pros
- Best-in-class customer satisfaction rankings from J.D. Power
- Robust coverage options with extensive customization
- Accident forgiveness available in some states
Cons
- Expensive coverage compared with top-rated competitors
- Customer complaint rates seem to be climbing
- Online car insurance quotes are unavailable in Louisiana and no coverage is offered in Hawaii
Amica car insurance cost
The average cost of a full coverage auto insurance policy from Amica is $320 per month, according to data from Quadrant Information Services. That’s 44 percent more than the national average cost of car insurance.
Compare Amica car insurance rates
While Amica is an industry leader when it comes to claims handling and customer service, its customers often pay a high premium for that best-in-class experience. Compared with other top-rated auto insurers, Amica’s average rates are among the highest.
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$320
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$106
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$223
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$75
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$182
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$61
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$181
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$49
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$279
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$82
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$172
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$50
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$159
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$57
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$256
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$81
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$185
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$60
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$188
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$62
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Amica car insurance quotes by driver profile
Amica typically offers its more competitive rates to applicants with clean driving records and good credit. If you’re requesting car insurance quotes with an at-fault accident or speeding ticket on your record, be aware that you’re likely to pay extra.
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Good driver, good credit
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Amica full coverage premium
$3,840
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National full coverage premium
$2,671
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Amica full coverage premium
$8,749
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National full coverage premium
$4,693
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Amica full coverage premium
$4,738
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National full coverage premium
$3,272
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Amica full coverage premium
$4,474
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National full coverage premium
$3,841
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Amica full coverage premium
$9,601
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National full coverage premium
$5,233
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Amica car insurance quotes by age
For young drivers in search of cheap car insurance, Amica may not be the best fit — unless they’re eligible for a legacy discount that could bring their premiums down. While Amica offers a number of discount opportunities for young drivers and their families, their rates tend to be above-average for all age groups, especially the high-risk categories under age 25.
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Amica full coverage premium
$7,571
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National full coverage premium
$5,710
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Amica full coverage premium
$7,076
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National full coverage premium
$4,925
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Amica full coverage premium
$8,788
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National full coverage premium
$5,398
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Amica full coverage premium
$4,807
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National full coverage premium
$3,294
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Amica full coverage premium
$3,969
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National full coverage premium
$2,850
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Amica full coverage premium
$3,840
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National full coverage premium
$2,671
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Amica full coverage premium
$3,640
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National full coverage premium
$2,415
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Get personalized auto insurance quotes
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Amica home insurance review
With a Bankrate Score of 4.6 out of 5.0 for home insurance, Amica is one of the best home insurance companies thanks to highly customizable policies and a reputation for best-in-class customer service.
Amica offers both HO-3 and HO-5 home insurance products. Its Standard Choice package is an HO-3 policy type and may be ideal for those who only want basic coverage options with the option to purchase additional coverage, such as water backup/sump overflow or special computer coverage. Homeowners interested in an extensive home insurance policy can choose Amica’s Platinum Choice package, an HO-5 policy type that includes the additional options in its Standard Choice package as default, as well as credit card coverage, business property coverage, extended coverage for valuable items, loss assessment plan and increased limits for liability and medical payments coverage.
As with auto insurance, Amica gives home insurance customers the option to choose between a traditional policy and a dividend policy that can pay back a certain percentage of the annual premium. However, these policies may cost more, potentially outweighing the savings compared to a traditional policy.
Pros and cons of Amica homeowners insurance
If you’re requesting home insurance quotes from Amica, keep the following perks and drawbacks in mind.
Pros
- Policies are highly customizable
- Ranked above most competitors for overall customer and claims satisfaction, per J.D. Power
- A+ (Superior) AM Best financial strength rating
Cons
- Not available in all states
- Digital tools fall short of competitors
Amica home insurance cost
On average, a home insurance policy with $300,000 in dwelling coverage costs $1,555 from Amica. That’s 35 percent less than the national average cost of $2,408 per year.
Compare Amica homeowners insurance rates
Among top-rated home insurers, Amica’s average home insurance rates are fairly affordable. It’s worth keeping this cost differential in mind if you’re in search of affordable coverage.
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$1,555
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- $853 |
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$2,186
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- $222 |
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$2,573
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+ $165 |
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$1,248
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- $1,160 |
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$2,787
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+ $379 |
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$2,073
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- $335 |
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$3,257
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+ $849 |
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$1,980
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- $428 |
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$2,711
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+ $303 |
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$2,498
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+ $90 |
Amica home insurance quotes by dwelling coverage
While Amica’s home insurance rates trend above the national average, the cost of home insurance is always tied closely to the dwelling coverage limit set for your policy.
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$150K dwelling
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Amica average premium
$908
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National average premium
$1,438
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$300K dwelling
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Amica average premium
$1,505
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National average premium
$2,397
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$350K dwelling
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Amica average premium
$1,670
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National average premium
$2,701
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$450K dwelling
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Amica average premium
$2,009
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National average premium
$3,306
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$750K dwelling
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Amica average premium
$3,026
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National average premium
$5,100
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Get personalized home insurance quotes
Answering a few quick questions to check your availability with Amica
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Amica life insurance review
Amica isn’t known primarily for its life insurance products, but it does offer two types of life insurance: term life, available for terms from 10 to 30 years, and whole life insurance with coverage up to $20 million.
Amica’s life insurance policies offer a few perks and benefits that aren’t standard in the industry. For all beneficiaries of its life insurance policyholders as well as all company employees, Amica partners with the Empathy app to offer free counseling from grief specialists along with peer-to-peer support networks. For whole life policyholders, Amica highlights the ability to make a guaranteed charitable donation through your life insurance.
Pros and cons of Amica life insurance
While Amica’s life insurance offerings present benefits for some shoppers, the drawbacks may outweigh the advantages for others. Keep these in mind if you’re considering requesting life insurance quotes from Amica.
Pros
- No medical exam needed for some applicants
- Specialty products such as long-term care, disability income and second-to-die whole life available
- Can combine with auto for bundling discount on auto policy
Cons
- No guaranteed acceptance life insurance policies offered
- Product availability, features and riders may vary depending on your state
- Amica life insurance is not rated by J.D. Power
Compare life insurance providers quickly and easily
See which provider is right for you.
Whole life insurance combines life insurance with an investment component.
- Coverage for life
- Tax-deferred savings benefit if premiums are paid
- 3 variations of permanent insurance: whole life, universal life and variable life include investment component
Term life insurance is precisely what the name implies: an insurance policy that is good for a specific term of time.
- Fixed premium over term
- No savings benefits
- Outliving policy or policy cancellation results in no money back
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Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
What are real-life customers saying about Amica?
*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.
Frequently asked questions
What policyholders are saying about Amica
Amica has 49 reviews
Dive into community reviews below and see what others think about Amica.
To help serve you with relevant information, the customer reviews shown are limited to only those that this advertiser has received during the past 12 months.
In collaboration with market research firm SliceMR, Bankrate surveyed over 3,000 insurance customers nationwide from 2024–2025, asking policyholders to rate their insurer's cost, coverage, customer support and overall experience on a five-point scale. Bankrate and SliceMR collected and analyzed these customer ratings, along with website analytics and responses to three open-ended questions regarding customer experience. Responses are based on individual policyholders' policy details and personal experience, and therefore cannot be verified for accuracy. Users received an incentive for their feedback. All ratings are unedited and have not been reviewed or approved by insurance carriers. User-generated ratings are separate from carrier Bankrate Scores — which are calculated based on our proprietary methodology — and may not match.
Policyholder Reviews
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates for our base profile are based on the following characteristics and coverage limits:
Dwelling coverage
$300,000Other structures coverage
$30,000Personal property coverage
$150,000Loss of use coverage
$60,000Liability coverage
$500,000Medical payment coverage
$1,000The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply.
These are sample rates and should be used for comparative purposes only. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following homeowner characteristics:
Dwelling coverage:
- Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $500,000
- Coverage F, Medical Payments: $1,000
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well home insurance companies satisfy these priorities, our team analyzed average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
Bankrate Score
Our 2025 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s financial strength, product and rider offerings, availability, customer experience and corporate sustainability. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Ratings): To determine a life insurance company’s financial health and reliability, we assessed several industry-standard ratings, such as J.D. Power, AM Best, Comdex, the National Association of Insurance Commissioners (NAIC), and credit agencies like Moody’s, Fitch and S&P.
- Tier 2 (Coverage options): We assessed companies’ coverage options, availability and policy features to help policyholders find a provider that best meets their needs. We examined each company’s life insurance product lines, including term, whole and universal life options.
- Tier 3 (Accessibility & process): To assess the ease and transparency of applying for coverage, we reviewed the simplicity of obtaining a quote and insurers' underwriting processes — including eligibility requirements. We also considered insurers’ community engagement.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.
