Amica Mutual Homeowners Insurance vs. State Farm Homeowners Insurance

Side-by-side comparison · Updated 2026 · Independently reviewed

Amica Mutual Homeowners Insurance

Amica Mutual

4.6

J.D. Power 906/1000. Annual dividends reduce premiums 5–20%. Best claims handling.

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State Farm Homeowners Insurance

State Farm

4.3

Avg $1,820–$1,900/yr. Largest insurer. 18,000+ agents. Bundle & save up to 20%.

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WealthSpott Verdict

Amica Mutual Homeowners Insurance and State Farm Homeowners Insurance are closely matched. Get quotes from both — insurance premiums vary significantly by location, coverage level, and personal risk factors.

Feature

Amica Mutual Homeowners

State Farm Homeowners

WealthSpott Rating

4.6 / 5 Best

4.3 / 5

Coverage Type

Home Insurance

Avg Annual Premium

~$2,000/yr

~$1,860/yr Best

AM Best Rating

—

J.D. Power Score

—

Mobile App Rating

—

Amica Mutual Homeowners Insurance

Full review

State Farm Homeowners Insurance

Full review

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