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Amica vs Lemonade

Amica logo

Amica

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Lemonade logo

Lemonade

Full profile
Auto insuranceHomeowners insuranceRenters insuranceLife insuranceLast verified Oct 1, 2026
Verified facts for Amica and Lemonade, side by side
FieldAmicaLemonade
FoundedDiffers1907Source: Amica Mutual Insurance Companyverified 2026-10-012015Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
HeadquartersDiffersLincoln, Rhode IslandSource: Amica Mutual Insurance Companyverified 2026-09-30New York, New YorkSource: Lemonadeverified 2026-09-30
Insurance productsDiffers
  • auto
  • homeowners
  • renters
  • business
  • life
Source: Amica Mutual Insurance Companyverified 2026-09-30
  • auto
  • homeowners
  • renters
  • life
  • pet
Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Underwritten byUnknown on one sideNot verifiedLegal & General Group (term life, via partnership)Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States availableUnknown on one sideNot verifiedLicensed in 50 states and Washington, D.C.; operating in 41 of those states and Washington, D.C. as of December 31, 2025Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
States licensedUnknown on one sideAmica 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 2026-10-01Not verified
States available, autoUnknown on one sideNot verified
  • AZ
  • CA
  • CO
  • FL
  • IL
  • IN
  • MO
  • OH
  • OR
  • TN
  • TX
  • WA
Source: Lemonadeverified 2026-09-30
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
  • personal property
  • crime and vandalism coverage
  • water damage coverage
  • fire and smoke protection
  • liability coverage
  • medical expenses
  • loss of use coverage
Source: Lemonadeverified 2026-09-30
Waiting periodsUnknown on one sideNot verified
  • 2 days for accidents
  • 14 days for illnesses
  • 30 days for orthopedic conditions
  • 6 months for cruciate ligament events
Source: Lemonadeverified 2026-09-30
How to get a quoteDiffers
  • online
  • phone
Source: Amica Mutual Insurance Companyverified 2026-10-01
  • online
  • mobile app
Source: Lemonadeverified 2026-09-30
How to file a claimDiffers
  • online
  • phone
  • live chat
Source: Amica Mutual Insurance Companyverified 2026-10-01
  • mobile app
Source: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30
Customer service channelsDiffers
  • live chat
  • phone
  • mail
  • email
  • local office
Source: Amica Mutual Insurance Companyverified 2026-10-01
  • mobile app
  • website
Source: Lemonadeverified 2026-09-30
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
  • Pet policies do not cover pre-existing conditions, dental care, elective surgeries not related to an accident/illness, or anything resulting from the policyholder's neglect
  • Renters and homeowners policies do not cover dog bites if the dog has a history of biting or is categorized as high-risk
Source: Lemonadeverified 2026-09-30
Financial strength ratingsDiffers
  • AM Best: A+ (Superior)
Source: Amica Mutual Insurance Companyverified 2026-10-01		Demotech, Inc. Financial Stability Rating of A Exceptional for Lemonade Insurance CompanySource: U.S. Securities and Exchange Commission (EDGAR)verified 2026-09-30

Both companies write auto, homeowners, renters, life insurance. Of the fields we have verified for either company, 9 differ and 5 are unverified on at least one side. We do not pick a winner and we do not score either company.

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