Amica vs. Progressive: Which Is the Best? (2024)

Amica and Progressive are both good options for car insurance. But the best option for you will depend on your insurance needs and budget.

Christy Rakoczy
Written byChristy Rakoczy
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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.

Updated May 23, 2024

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With a higher IQ Score and lower rates, Progressive is the clear winner for most drivers when comparing Amica vs. Progressive.

Amica is the oldest automobile insurer in the U.S. but not one of the largest.[1] Amica also offers life insurance, homeowners insurance, and a variety of other financial products, including annuities. But its rates tend to be higher than Progressive’s for most drivers.

Since its founding in 1937, Progressive has grown to be the second-largest auto insurer in the U.S., with more than 27.4 million policies in force. Progressive works with more than 38,000 independent agents nationwide and, like Amica, has solid financial strength ratings and provides a variety of coverages, including auto insurance, homeowners insurance, and business insurance.[2]

If you’re deciding between Amica and Progressive, here’s what you should know.

Quick Facts
  • Progressive’s average rates for both full coverage and liability-only coverage are lower than the national average.

  • Amica’s average rates for full-coverage and minimum-coverage auto insurance are both above the national average.

  • Amica beat Progressive on the J.D. Power Customer Satisfaction survey in the New England region.[3]

Amica vs. Progressive: The verdict

Both Amica Mutual and Progressive offer nationwide insurance coverage, with Amica licensed to do business in 49 states (all but Hawaii) and Progressive providing policies in all 50. However, Progressive is a much larger insurer, with many more policies in effect that protect drivers against losses.

Progressive’s average rates also beat Amica’s for many driver profiles, including for drivers with clean records and drivers who have had an accident or who have a DUI in their history. While Amica earned higher marks than Progressive in the New England region in J.D. Power’s 2023 Customer Satisfaction study, Progressive was rated in more markets and received especially high customer satisfaction rankings for usage-based insurance.

Progressive also has a nationwide insurance network with more than 38,000 agents, while Amica doesn’t use agents to sell its insurance products — the company has a smaller network of local offices that customers can visit for in-person support.

With its lower prices and more accessible customer service, Progressive should be the clear choice for many drivers choosing between Amica and Progressive. The table below provides more insight into the key differences between these auto insurance companies to help you decide which is the better deal.

FactorAmicaProgressive
IQ Score4.24.2
J.D. Power customer satisfaction score833 out of 1,000812 out of 1,000
Average quote: liability only$172$80
Number of discounts1813
Number of states where it operates4950
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Amica

Amica’s rates are above the national average, but the insurer has an A+ financial strength rating from AM Best.[4]

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
862
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.
$172/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.
$283/mo

Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders, rather than shareholders. The company has A+ ratings from A.M. Best for financial stability and credit, and was the highest-ranked insurer for customer satisfaction in New England according to J.D. Power. Amica offers numerous discounts to help drivers save, and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.

Pros
  • Good ratings for customer service and satisfaction

  • Multiple discounts and coverage options available

Cons
  • Higher-than-average rates for drivers with traffic violations

  • Limited number of local offices

Read our Amica review
John - March 4, 2024
Verified

Average

The service is good, but the premiums are higher.

Janie - January 28, 2024
Verified

Rates Always Going Up

I've been a customer for years, yet every year my rates are raised! I'm paying double what other companies charge!!

John - September 11, 2023
Verified

Excellent

Amica is a great company with great prices.

Progressive

Progressive’s full-coverage and liability insurance rates are both below the national average auto insurance rates. The insurer also earned an A+ rating from AM Best.[5]

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
819
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.
$80/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.
$137/mo

Although its founding in 1937 makes Progressive comparatively young, it is among the largest car insurers in the U.S. The company offers car, home, renters, commercial, and other types of insurance. Progressive customers can enjoy savings by bundling their car insurance with another type of Progressive policy – typically homeowners or renters. Available discounts range from multi-policy and multi-car discounts, to the Snapshot save driver discount. Progressive has an A.M. Best rating of A+ for financial stability. However, the company has a slightly higher-than-expected number of complaints in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Rewards for good drivers

  • Numerous coverage options and discounts available

Cons
  • Higher-than-expected amount of complaints

  • Ranked 11 out of 15 companies in the J.D. Power Customer Satisfaction Index Ranking

Read our Progressive review
Randy - May 22, 2024
Verified

Difficult to Submit Forms Due to Backlogged Office

I would rate them 5 out of 5, or 10 out of 10, except for their backlogged office handling past Proof Of Insurance forms.

Dexter - May 22, 2024
Verified

No

They keep increasing the prices.

Patricia - May 22, 2024
Verified

They are ok

I probably would not recommend them. I have had no dealings with the agent. I only had a phone conversation to renew and received no help. I was only able to renew with what I had.

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Amica StreetSmart vs. Progressive Snapshot

StreetSmart is an Amica Insurance mobile app that allows you to earn a driver rating that affects your auto insurance premiums. The app collects data on things like hard braking, driving too fast, road segment types you drive on, and distraction measured by phone use.

Drivers who participate in the program can get an immediate discount, and good drivers can qualify for extra savings on premiums at their policy renewal and rewards they can redeem for gift cards.

Snapshot is Progressive’s option for usage-based insurance. Drivers pay based on both driving habits and how often they drive. People who participate automatically get a discount for enrolling and can benefit from additional premium savings when their policy renews.

While most drivers save an average of $231 annually off the price of car insurance after signing up, according to Progressive, high-risk behavior can result in a premium increase. Snapshot also looks at hard braking and phone use and focuses on limiting driving time — especially late at night or early in the morning.

Good to Know

Unlike Amica, you can’t earn rewards directly through using Snapshot, so Amica may be more attractive to drivers who want to earn gifts and merchandise for safe driving.

How Does Usage-Based Insurance Work?

How Does Usage-Based Insurance Work?

Amica vs. Progressive: Which is the cheapest?

Many factors affect your auto insurance premium cost over the course of the year, including marital status, driving history and past claims, and even your credit history. For most drivers, though, Progressive is likely to be the cheaper option.

Progressive offers lower average rates than Amica for drivers with tickets and DUIs, as well as for drivers with a clean record. And while Progressive’s overall average rates for full and minimal coverage are both below the national average, Amica’s are above it.

Progressive: Cheapest for drivers with a clean driving record

For drivers with a clean record, Progressive’s average rates are below what Amica charges. This is true for full coverage, which includes comprehensive and collision coverage, as well as for liability-only policies. Check out the table below to see how prices compare.

Driver TypeAmicaProgressive
Clean driving record$172$80
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Progressive: Cheapest for drivers with a speeding ticket

Amica’s average rates for drivers with speeding tickets are considerably higher than Progressive’s, coming in at more than double. Check out the table below to see just how much more the average driver with a ticket would pay Amica for coverage.

Driver TypeAmicaProgressive
Drivers with a speeding ticket$236$93
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Progressive: Cheapest for teen drivers

Insuring a teen is always more expensive due to the increased risk that young drivers pose, but Progressive’s average rates for the youngest motorists are well below Amica’s average teen driver premiums.

Driver TypeAmicaProgressive
18-year-old$215$145
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Progressive: Cheapest for drivers with bad credit

Since credit has been linked to insurance risk, many insurers, including Progressive and Amica, charge more for drivers with bad credit. But Progressive’s average rates are still below what Amica charges.

Driver TypeAmicaProgressive
Drivers with bad credit$207$96
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Progressive: Cheapest for senior drivers

Progressive’s rates are much more affordable for senior drivers on the road. Motorists older than 60 see average rates from Amica that are more than double rates from Progressive.

Driver TypeAmicaProgressive
Senior drivers$117$49
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare coverages: Amica vs. Progressive

Progressive and Amica offer bodily injury liability coverage, property damage liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, and the other basic protections drivers find on almost all motor vehicle insurance policies. These are the essential coverage options for auto insurance, protecting against loss in crashes that harm others and against damage and theft of your own vehicle.

However, some of the add-on offerings differ between these two auto insurers. Here are some differences in the kinds of coverage you could buy with Amica vs. Progressive. For example, Progressive only provides full glass coverage in some states, while Amica has more limited availability of rideshare coverage.[6] [7]

CoverageAmicaProgressive
Medical paymentsYesYes
Gap insuranceYesYes
Full glass coverageYesIn certain states
Roadside assistanceYesYes
Rental reimbursementYesYes
Rideshare coverageIn some statesYes

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Compare discounts: Amica vs. Progressive

Both Progressive and Amica offer similar discounts to people buying auto insurance policies, including for safe drivers and people who are loyal to the company by purchasing multiple policies through them.

While Amica offers a few discounts Progressive doesn’t, Amica’s average rates are much higher, so Progressive may still be the more affordable option for many drivers in the end.[8] [9]

DiscountAmicaProgressive
Clean driving recordYesYes
Defensive driving courseYesYes
Multi-policyYesYes
Multi-carYesYes
Low mileageNoNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesNo
New carNoNo
Military/affiliationOnly in LouisianaOnly in Louisiana
Good studentYesYes
LoyaltyYesYes
Auto payYesYes
Student away at schoolYesYes
HomeownerYesYes
Alternative fuelNoNo

Amica vs. Progressive FAQs

Check out the answers to these commonly asked questions to learn more about Amica and Progressive.

  • Is Amica the best insurance company?

    Amica’s rates are above the national average, so drivers looking for the lowest prices may wish to look at a different company, such as Progressive. However, Amica did earn top marks in the New England region on J.D. Power’s Customer Satisfaction survey. The company has strong financial strength ratings from AM Best and a solid Better Business Bureau grade.

  • Is Progressive Insurance really cheaper?

    Progressive’s average policy costs are cheaper than the national average for both minimum-coverage and full-coverage auto insurance. Progressive also provides lower-cost coverage for drivers with many different profiles compared to other companies like Amica. This includes lower average rates for drivers with a speeding ticket or a DUI.

  • Who competes with Progressive Insurance?

    Progressive is the second-largest auto insurer in the country. State Farm is the largest, and GEICO is the third largest. However, Progressive has many competitors. The right insurer for you will depend on premium prices, customer service reputation, and coverages on offer.

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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Amica. "Company Facts and History."
  2. Progressive. "About Us."
  3. Jdpower.com. "2023 U.S. Auto Insurance Study."
  4. Ambest.com. "Amica Mutual Insurance Company."
  5. Ambest.com. "AM Best Affirms Credit Ratings of The Progressive Corporation and Subsidiaries."
  6. Progressive. "Car Insurance Coverages."
  7. Amica. "Car Insurance Coverage."
  8. Progressive. "Types of Auto Insurance Discounts."
  9. Amica. "Car Insurance Discounts."
Christy Rakoczy
Christy Rakoczy

Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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