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Amica vs Guardian

Amica logo

Amica

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Guardian logo

Guardian

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Life insuranceLast verified Oct 1, 2026
Verified facts for Amica and Guardian, side by side
FieldAmicaGuardian
FoundedDiffers1907Source: Amica Mutual Insurance Companyverified 2026-10-011860Source: Guardianverified 2026-09-30
HeadquartersDiffersLincoln, Rhode IslandSource: Amica Mutual Insurance Companyverified 2026-09-30New York, NYSource: Guardianverified 2026-09-30
Insurance productsDiffers
  • auto
  • homeowners
  • renters
  • business
  • life
Source: Amica Mutual Insurance Companyverified 2026-09-30
  • life
Source: Guardianverified 2026-09-30
States licensedDiffersAmica Mutual Insurance Company: authorized to do business in all states; Amica Life Insurance Company: all states, except Hawaii; Amica Property and Casualty Insurance Company: a limited number of statesSource: Amica Mutual Insurance Companyverified 2026-10-01licensed to do business in all fifty statesSource: Guardianverified 2026-10-01
Coverage typesDiffers
  • Collision
  • Comprehensive
  • Liability
  • Uninsured/Underinsured motorist
  • Personal injury protection
  • Medical payments
  • Roadside assistance
  • Guaranteed asset protection (GAP) insurance
  • Rental car reimbursement
  • Glass
  • Ridesharing or delivery driving
Source: Amica Mutual Insurance Companyverified 2026-10-01
  • term life insurance
  • whole life insurance
  • universal life insurance
Source: Guardianverified 2026-10-01
How to get a quoteDiffers
  • online
  • phone
Source: Amica Mutual Insurance Companyverified 2026-10-01
  • at work
  • online
  • through a financial advisor
Source: Guardianverified 2026-10-01
How to file a claimDiffers
  • online
  • phone
  • live chat
Source: Amica Mutual Insurance Companyverified 2026-10-01
  • online
Source: Guardianverified 2026-10-01
Customer service channelsDiffers
  • live chat
  • phone
  • mail
  • email
  • local office
Source: Amica Mutual Insurance Companyverified 2026-10-01
  • phone
  • mail
  • secure online channel
Source: Guardianverified 2026-10-01
Notable limitationsDiffers
  • Discounts not available in all states and may vary
  • Dividend policies are not available in every state, may not be available on all policy types, and are not guaranteed
Source: Amica Mutual Insurance Companyverified 2026-10-01
  • Riders may incur an additional cost or premium
  • Riders may not be available in all states
Source: Guardianverified 2026-10-01
Financial strength ratingsDiffers
  • AM Best: A+ (Superior)
Source: Amica Mutual Insurance Companyverified 2026-10-01
  • A.M. Best Company: A++ Superior
Source: Guardianverified 2026-10-01

Both companies write life insurance. Of the fields we have verified for either company, 10 differ and 0 are unverified on at least one side. We do not pick a winner and we do not score either company.

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