Dividend Insurance Policies
With an Amica dividend policy, get up to 20% of your annual premium back.1
The dividend policy difference
A dividend policy returns a portion of your premium back to you, known as a dividend payment, if certain conditions are met. On average, payments may be 5-20% of your annual premium.1
Why should I choose dividends?
Amica offers dividend and non-dividend policies. Both offer the same great coverage, but dividends provide you with extra benefits.
- Returns money to you 1
- Lowers your overall policy cost 1,2
- Flexible dividend payment options
Dividend policies are not available in every state, may not be available on all policy types, and are not guaranteed. To be eligible to receive a declared dividend, you must be a policyholder when, and if, dividends are declared. Should your policy cancel or terminate for any reason before the end of its full term, you would not be eligible for a declared dividend payment.
Policy payment averages can vary.
*Based on internal Amica data on representative tenure (Jan. 2024 - Nov. 2025) compared to publicly available industry averages. Individual experience may vary and this statement is not a guarantee of any specific customer outcome or service experience.
**As of Dec. 31, 2025, for Amica auto and home policyholders.*
***A+ (Superior) is the second highest of 13 company ratings. Ratings range from A++ (Superior) to D (Poor). AM Best's ratings measure an insurer's financial strength.
AMIC-28-070227