Amica vs. Progressive: Which Insurance Company Is Better in 2026?
Amica earns high marks, but Progressive’s low rates, personalized coverage, and highly rated mobile app make it a better choice for many drivers.
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Written byJamie Johnson
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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Jamie is a meticulous researcher who has published 2,000+ personal finance articles. Her expertise is trusted by major brands like Bankrate and Rocket Mortgage.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
Amica and Progressive are two well-known national insurance companies. Progressive is the second-largest insurer in the U.S., with a market share of nearly 17% in the private passenger market.[1]
In comparison, Amica is much smaller, holding less than 1% of this segment’s market share.
While Amica scores well for customer service, its average rates are significantly higher than Progressive’s. In contrast, Progressive stands out for its low premiums, but its J.D. Power customer satisfaction rankings fall below average in all regions except California.[2]
In our review of Amica versus Progressive, we’ll compare rates and look at each company’s coverage, discounts, and customer satisfaction ratings.
Quick Facts
Amica tends to have high customer satisfaction scores and relatively few customer complaints.
Progressive provides more optional coverages than Amica, including classic car insurance, custom parts coverage, and a vehicle protection add-on.
Both companies offer telematics programs, but Progressive’s Snapshot can increase your premium for risky driving.
Amica vs. Progressive: Our verdict
Progressive is a good fit for drivers looking for affordable auto insurance rates and tools that help compare deductibles and customize add-ons. Its average rates are lower than Amica’s across every driver profile, and it offers discounts for bundling an auto policy with homeowners or renters insurance.
But if you prioritize exceptional customer service and a transparent claims process, Amica may be a better choice for you. The company is known for its financial stability and low complaint volume.
Amica also offers a few more discounts than Progressive, though its premiums are typically much higher.
No matter which company you prefer, it’s still a good idea to compare personalized quotes from several insurers. The best insurance company for you will offer a policy that meets your coverage needs and works with your budget.
Amica vs. Progressive
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $350/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $129/mo* |
Overall rating 4.5 | Overall rating 3.2 |
Value for money 3.5/5 | Value for money 3.0/5 |
Customer service 3.8/5 | Customer service 3.3/5 |
Claims handling 4.1/5 | Claims handling 3.4/5 |
Special highlight 24/7 claims serviceAI-generated from 100 user reviews | Special highlight Competitive ratesAI-generated from 7805 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Amica: Best for customer service
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $269/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $431/mo |
4.5
Best choiceBased on 176 verified guest reviews and ratings
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
Reviews (100)
Ronald
Verified Review
Not Happy with Amica
Reviewed in Georgia on December 2025
Too expensive and goes up with every renewal.
Rachel
Verified Review
Typical Bait and Switch
Reviewed in Nebraska on December 2025
Constantly raising rates despite no claims filed and having a perfect credit and driving record.
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 2025
They are terrific. I just wish the premiums were less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Amica consistently outranks Progressive in customer service and claims satisfaction. It’s also a top choice for drivers who want a more personalized experience.
While Amica’s rates are typically much higher than Progressive’s, many customers feel the company’s superior service and financial strength justify the added cost.
Pros
Excellent customer service
Relatively few customer complaints
A+ (Superior) AM Best financial strength rating
Cons
Not available in Hawaii
Much higher-than-average premiums
Rideshare insurance not available in all states
Progressive: Best for customizable coverage
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 622 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $163/mo |
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
How drivers feel about Progressive
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Easy buying process
Telematics program
Reviews (7,805)
Todd
Verified Review
Progressive Practices
Reviewed in Florida on January 2026
Progressive won't tell me why my monthly insurance bill is higher than my car payment! Someone suggested that it's because when I've been hit by others and I gave Progressive a heads up on the incident, they considered that a claim, even though I never needed services from them.
Daniel
Verified Review
Great Company
Reviewed in Wisconsin on January 2026
Quick and easy.
Rhonda
Verified Review
Beware of Progressive
Reviewed in Virginia on January 2026
They had been charging me for an SR22 on my policy, and I found out about it when I called to chat about discount options. They charged me for 3 years and told me if I wanted a refund, I had to go to the DMV and get proof that I didn’t need one! I have never been required to have one.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
622NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.97A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
For affordability across all driver profiles, Progressive may be the better option. It’s also a strong choice for drivers who value digital tools and the ability to make policy changes themselves.
Though its customer satisfaction ratings are mixed, Progressive offers nationwide availability and a telematics program that rewards safe driving.
Pros
Many available discounts and add-ons
More competitive rates for high-risk drivers
Snapshot program rewards safe driving
Cons
Risky driving with Snapshot can increase rates
Below-average J.D. Power claims satisfaction score
Poor Trustpilot rating
Progressive vs. Amica: Which is cheaper?
Amica’s average monthly premiums are consistently much higher than Progressive’s — especially for teen drivers, young drivers, and anyone with a history of driving-related incidents.
The following table compares each company’s average monthly rates for different driver profiles.
Driver Type  | Amica | Progressive |
|---|---|---|
| Adult drivers | $417 | $133 |
| Liability coverage | $269 | $95 |
| Full coverage | $431 | $163 |
| Drivers with a speeding ticket | $629 | $191 |
| Drivers with a DUI | $662 | $250 |
| Drivers with an at-fault accident | $593 | $208 |
| Poor credit drivers | $522 | $185 |
| Good credit drivers | $356 | $131 |
| Teen drivers | $816 | $287 |
| Senior drivers | $305 | $93 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Amica vs. Progressive car insurance discounts
Amica’s average rates are higher than Progressive’s. While the company offers many car insurance discounts — 19 compared to Progressive’s 14 — the savings won’t likely offset the company’s higher rates.
The following table outlines the discounts each company offers. Since auto insurance discounts can vary depending on your location, it’s a good idea to contact the insurer directly to see which ones you qualify for.
Discount | Amica | Progressive |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✖ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✔ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✔ |
| New car | ✖ | ✖ |
| Military/affiliation | ✖ | ✖ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✔ |
| Auto pay | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✔ |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Compare customer satisfaction and financial strength
Both Amica and Progressive have high AM Best financial strength ratings and relatively few customer complaints. But Progressive consistently receives below-average J.D. Power customer satisfaction scores in every area except California. In contrast, Amica received the highest customer satisfaction score in the New England area for two consecutive years.
When you review customer feedback on Trustpilot, you’ll notice that Amica often receives praise for its agent accessibility. While glowing Progressive reviews are less common, the company is known for its customizable policy options.
The table below compares the two companies in terms of industry ratings.
Score | Amica | Progressive |
|---|---|---|
| IQ Score | 8.6 | 8.7 |
| Customer reviews | 4.5/5 (176 reviews) | 3.2/5 (15,943 reviews) |
| J.D. Power | Received the highest customer satisfaction rating in the New England area two years in a row | Consistently receives below-average ratings except in California |
| AM Best rating | A+ (Superior) | A+ (Superior) |
| NAIC complaint index | Very few customer complaints | Fewer-than-average customer complaints |
| Better Business Bureau (BBB) customer review rating | 1.4 out of 5 | 1.09 out of 5 |
Recent customer reviews of Amica car insurance
Insurify collects reviews from verified Amica customers who have used our car insurance quoting process to compare insurance quotes. Here’s what customers had to say about their experience with Amica auto insurance.
Ronald
Verified Review
Not Happy with Amica
Reviewed in Georgia on December 2025
Too expensive and goes up with every renewal.
Rachel
Verified Review
Typical Bait and Switch
Reviewed in Nebraska on December 2025
Constantly raising rates despite no claims filed and having a perfect credit and driving record.
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 2025
They are terrific. I just wish the premiums were less.
Kevin
Verified Review
All great but prices too high!
Reviewed in Georgia on October 2025
Rates are too high.
…
Recent customer reviews of Progressive car insurance
We also asked real Progressive customers to share their experience with the company’s service and claims handling. See their responses below.
Todd
Verified Review
Progressive Practices
Reviewed in Florida on January 2026
Progressive won't tell me why my monthly insurance bill is higher than my car payment! Someone suggested that it's because when I've been hit by others and I gave Progressive a heads up on the incident, they considered that a claim, even though I never needed services from them.
Daniel
Verified Review
Great Company
Reviewed in Wisconsin on January 2026
Quick and easy.
Rhonda
Verified Review
Beware of Progressive
Reviewed in Virginia on January 2026
They had been charging me for an SR22 on my policy, and I found out about it when I called to chat about discount options. They charged me for 3 years and told me if I wanted a refund, I had to go to the DMV and get proof that I didn’t need one! I have never been required to have one.
Jessica
Verified Review
My Experience with Experience
Reviewed in Nevada on January 2026
I have not had a ticket nor an accident, and my rate started off reasonable. Then I was asked to sign up for a program where they can track your driving. I did not like that feature and I turned it off. As a result, my rate went up close to $70 a month. That is why I started looking into other options.
…
Amica StreetSmart vs. Progressive Snapshot
You can earn a substantial discount on your car insurance premiums by signing up for a telematics program. Both Amica and Progressive offer discounts simply for joining their programs.
Based on your driving habits, you can earn an additional discount when your auto insurance policy renews. This differs from pay-per-mile programs, which calculate your premium based on the number of miles you drive rather than how safely you drive.
The Progressive Snapshot program is more widely available than Amica’s StreetSmart program. It offers up to 20% off your insurance premium for safe driving and also provides real-time feedback.
In comparison, the Amica StreetSmart program is a good option for drivers who like gamefied rewards and the option to redeem their points for gift cards.
Both programs use mobile apps to track your speed, acceleration, braking, and phone usage. Amica tracks your driving for 91 days and then uses this data to determine your discount.
Progressive tracks your driving behavior for up to six months. Unlike Amica, though, Progressive may increase your rate at renewal if you demonstrate risky driving behavior.
Feature | Amica StreetSmart | Progressive Snapshot |
|---|---|---|
| Best for | Drivers who enjoy app engagement and gamified feedback | Drivers who want potentially greater savings and broader availability |
| Savings potential | Up to 20% based on driving behavior | Drivers save an average of $322 per year with Snapshot |
| How it works | Uses your phone’s sensors to track speed, braking, and acceleration | Uses your smartphone’s sensors or a plug-in device to track speed, braking, time of day, and phone distractions |
| Availability | 27 states and the District of Columbia | 49 states and the District of Columbia (not available in California) |
| Data tracked | Speed, hard braking, road type, and phone distraction | Speed, mileage, phone usage, and driving behavior such as hard braking; also tracks your location, though this isn’t used to calculate your rate |
| App rating (App Store/Google Play) | 4.6/4.2 | 4.8/4.6 |
| Average discount for good drivers | 10% for signing up and up to 20% off at renewal | $169 for signing up and up to $322 off at renewal |
| Driver feedback tools | Trip logs and scoring on the driver dashboard | Personalized tips to help you improve your driving |
| Gamified rewards | ✔ (Can redeem rewards for gift cards or donations) | ✖ |
| Compatibility | Smartphone app only | Smartphone app or plug-in device |
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Compare coverages: Amica vs. Progressive
Both Amica and Progressive offer a wide variety of coverage options, including liability, comprehensive, collision, roadside assistance, and personal injury protection (PIP) coverage.
Progressive’s optional coverages are a bit more robust than Amica’s, including vehicle protection, classic car insurance, and custom parts and equipment value coverage.
But Amica offers dividend policies in some states, which can lower the cost of your premium.
The table below highlights how each company’s coverage compares.
Coverage | Amica | Progressive |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Auto glass insurance | ✔ | ✖ |
| Gap insurance | ✔ | ✖ (Loan/lease payoff coverage is similar to gap insurance) |
| Classic car insurance | ✖ | ✔ |
| Rideshare insurance | ✔ (Coverage varies by state) | ✔ |
| Vehicle protection insurance | ✖ | ✔ |
| Custom parts and equipment value (CPE) insurance | ✖ | ✔ |
Amica vs. Progressive FAQs
For more information about Amica vs. Progressive insurance, see the answers below to frequently asked questions.
Which is cheaper: Amica or Progressive?
Progressive is cheaper overall, with liability-only coverage costing an average of $95 per month. In comparison, a liability-only policy with Amica averages $269 per month. Your rate depends on a variety of factors, including your driving record, location, age, and the coverage you choose.[3]
Is Amica good at paying claims?
Yes. Amica has an AM Best financial strength rating of A+ (Superior), indicating it has the ability to pay its claims. It also consistently ranks near the top for customer satisfaction and has relatively few customer complaints.
Which insurance company has the best reputation?
Amica generally has a better reputation for customer service and claims satisfaction. Ultimately, the best choice for you depends on what you’re looking for in an insurance company.
Is $200 per month expensive for car insurance?
It depends. Whether $200 per month is expensive for car insurance depends on the type of coverage you’re buying, your driving profile, and your location. Comparing rates from the cheapest car insurers can help you determine if you’re getting a good deal.
What are the top three car insurance companies?
The top three insurance companies vary depending on the criteria. For example, the top three companies in terms of property and casualty market share are State Farm, Progressive, and Berkshire Hathaway Group.
The top three companies for claims satisfaction are Erie, NJM Insurance Group, and Liberty Mutual, based on the J.D. Power 2025 U.S. Claims Satisfaction Study.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- National Association of Insurance Commissioners. "2024 Top 25 Groups and Companies by Countrywide Premium: Total Private Passenger Auto."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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Jamie Johnson
Jamie Johnson is a Kansas City-based personal finance writer whose work has been featured on several of the top finance and business sites in the country, including Insider, Credit Karma, Bankrate, Rocket Mortgage, Fox Business, Quicken Loans, and The Balance. For the past six years, she's dedicated more than 10,000 hours of research and writing to more than 2,000 articles about personal finance topics.
Jamie has been a contributor at Insurify since October 2022.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.