Amica Mutual Insurance in Texas

Amica Mutual, founded in 1907 and headquartered in Lincoln, Rhode Island, offers auto, home, renters, life, umbrella, boat insurance. Amica Mutual is a Rhode Island-based mutual insurer and the oldest mutual auto carrier in the country. It is repeatedly ranked at the top for customer satisfaction and offers dividend policies that can return part of your premium.

In Texas, drivers are required to carry minimum auto liability coverage of 30/60/25. Texas has above-average auto rates due to its large driving population, weather risks, and high uninsured driver rates. Home insurance is also elevated due to hail, wind, and hurricane exposure. The average auto insurance rate in Texas is $1,842 per year, though your actual rate with Amica Mutual may be higher or lower depending on your driving record, vehicle, and coverage level.

Amica Mutual is especially well-suited for customer service, dividend policies, bundling. Comparing Amica Mutual alongside other carriers through Truvo helps ensure you get the best rate available in Texas, whether you need basic liability or full coverage.

Texas also faces elevated hurricane and tropical-storm wind and tornadoes and severe-storm hail exposure, which affects how carriers price coverage here. When evaluating Amica Mutual in Texas, pay attention to deductibles for wind, hail, or wildfire — they can vary significantly between carriers and meaningfully change your out-of-pocket cost after a claim.