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Amica vs. Progressive 2025
Progressive could be a good pick for drivers with a few marks on their record, while Amica has an outstanding customer service record.
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Founded in 1907, Amica Insurance is the oldest mutual auto insurer in the United States. It underwrites its own auto insurance products under Amica Mutual Insurance Company. Amica offers all the standard car insurance coverage types and a selection of optional coverage types. This combination of company longevity and solid product offerings is supported by Amica’s top-notch customer service, as proven by its high scores across several rating systems.
Progressive Insurance, founded in 1937, is the second-largest auto insurance company. The national carrier has several underwriting companies for auto insurance, depending on where you live and what rating class you fall into. On top of generally affordable rates, one feature that Progressive stands out for is its Name Your Price Tool, which allows potential customers to set a budget to determine the type of coverage options available within their price range.
Our verdict
Amica generally offers higher average rates than Progressive but is recognized for its superior customer and claims satisfaction ratings from J.D. Power, setting a high standard in service quality. Progressive, on the other hand, might be a good pick for those who prioritize advanced digital tools for policy management. Amica tied for the 2025 Bankrate Award for Best Auto Insurance Company Overall and won Best for Customer Experience. Progressive did not earn a Bankrate Award this year.
Amica vs. Progressive comparison
We've compiled a comparison of key quality metrics for Amica and Progressive in the chart below.
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Featured
Amica
4.4
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
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Progressive
4.4
Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings
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OVERVIEW
Bankrate identified key carrier features, coverage offerings, discounts and more
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Policyholders who value excellent customer service and robust coverage options, but don’t mind paying more for homeowners insurance, might consider Amica as their company of choice.
Read More
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Policyholders who value digital capabilities, want a company that can follow them throughout the country or need high-risk insurance might consider Progressive as their company of choice.
Read More
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STANDOUT FEATURES
These features are some of the carrier’s most impressive
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Robust online claim center
Dividend policies available
Loyalty discount after 2+ years
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Name Your Price shopping tool
Snapshot telematics program
Online quote and sign online discounts
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AVG FULL COV. AUTO RATE
Average national annual cost of a full coverage auto insurance policy
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| $3,869 |
$2,210 |
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AVG MIN COV. AUTO RATE
Average national annual cost of a minimum coverage auto insurance policy
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| $1,242 |
$718 |
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J.D. POWER AUTO SCORE
J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
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746/1000 |
672/1000 | |
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AM BEST RATING
AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
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A+(Superior) |
A+(Superior) | |
Amica pros and cons
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Dividend policy option available
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Numerous discounts and optional coverage types
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Slightly higher-than-average score for service per J.D. Power’s 2024 U.S. Insurance Digital Experience Study
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Highest score in 2024 J.D. Power Auto Claims Satisfaction Study among national providers
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Lower-than-average NAIC Complaint Index for its auto insurance product
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Auto insurance not available in Hawaii
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Rideshare coverage is not available
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Few local offices available for face-to-face policy management
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Online insurance quotes are not available in Louisiana
Progressive pros and cons
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Available nationwide
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Local agents available for in-person policy management
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Highest score in the service section of the J.D. Power 2024 U.S. Insurance Digital Experience Study
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Many coverage types and discounts available
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May be an option for high-risk drivers
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Below-average 2024 claims satisfaction score from J.D. Power
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Average premiums may not be as low as some other large auto insurance companies
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Some drivers may see rates increase after Snapshot participation
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Rates might differ between online quotes and quotes received from agencies
Is Amica cheaper than Progressive?
In our comparison review of Amica Insurance against Progressive, we observed that Progressive generally presents lower average annual rates for both minimum and full coverage across most driver profiles. However, both carriers offer an array of potential discounts that may affect rates. Those shopping for auto insurance may want to consider getting quotes from both to see how their personal driving profile factors could affect rates with each carrier. Below are the average full coverage rates for both carriers across several different driver profiles.
| Car insurance company | Amica avg. full coverage premium | Progressive avg. full coverage premium |
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| Young driver (age 25) | $4,838 | $2,736 |
| Senior driver (age 70) | $3,432 | $2,090 |
| Good driver, good credit | $3,869 | $2,210 |
| Good driver, poor credit | $8,815 | $3,849 |
| Speeding ticket with good credit | $4,773 | $2,860 |
| At-fault accident with good credit | $4,504 | $3,319 |
| DUI conviction with good credit | $9,694 | $3,130 |
Bankrate's take
Our Progressive and Amica auto insurance comparison shows that Progressive generally offers more affordable rates than Amica. However, it's important to note that your own rates could vary greatly from these averages based on your personal rating factors. Your driving profile, location and the type of car you own can all have a big impact on your rate. Comparing personalized quotes is the most accurate way to estimate what you might pay with each company.
Amica vs. Progressive: discounts
Amica and Progressive both offer a wide variety of car insurance discounts. However, the exact savings available are unique to each provider. Below are some of the discounts you might get through Progressive and Amica.
Discounts available from both carriers
Some savings opportunities are more common than others. Amica and Progressive both advertise the following discounts, through details and eligibility vary:
- Bundling/multi-policy: Both carriers offer savings for bundling policies or insuring multiple vehicles on the same policy.
- Students: Student discounts are available for good grades, leaving a car at home while away at college and enrolling in a safe driving course.
- Accident-free: This discount rewards drivers who go a set period of time without an accident.
- Payment: Both carriers offer savings for paying your premium in full, enrolling in paperless billing and signing up for autopay.
- Homeownership: You could save with Amica and Progressive by simply owning your home.
Amica discounts
- Parent loyalty: Amica customers could save if they're under 30, and their parents have been Amica policyholders for at least five years.
- Vehicle safety features: Cars with anti-theft features, passive restraints, forward-collision warning and more could earn a coverage discount.
Progressive discounts
- Online quote: If you get your Progressive car insurance quote online, you could save on your policy. This also applies if you finish your policy purchase over the phone with an agent.
- Online signing: If you're comfortable signing your policy documents digitally, you could save.
- Continuous coverage: Progressive rewards drivers based on how long they have been continuously insured, no matter the carrier.
Amica and Progressive telematics programs
Amica and Progressive both offer telematics programs designed to reward safe driving habits with potential discounts on car insurance premiums. Amica's program, StreetSmart by Amica, and Progressive's Snapshot, both utilize technology to gather driving data, offering a more personalized approach to insurance rates based on actual driving behavior. While each program has its own features and benefits, they share the common goal of encouraging safer driving practices.
| StreetSmart by Amica | Snapshot by Progressive | |
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| Device | Mobile app | Mobile app or plug-in device |
| Can it raise your rate? | No | Yes, with high-risk driving |
| Availability | 22 select states | All states but California |
| Discount | Yes, for participation and performance | Yes, automatic for participation, variable for performance |
| What it monitors | Hard braking, speeding, road type, phone use and screen tapping | Hard brakes, accelerations, late-night driving, overall drive time and phone use |
Amica vs. Progressive: customer experience comparison
When it comes to choosing an auto insurance carrier, customer experience is just as important as pricing for some drivers. Looking at mobile app ratings, Progressive receives superior ratings from Google Play users, while App Store users rate both carriers favorably and at similar levels. Progressive and Amica received above-average scores per J.D. Power’s 2024 U.S. Insurance Digital Experience Study, but of the two, Progressive earned the higher score in both the shopping and service sections.
Evaluating claims satisfaction, Amica earned the top spot among national providers in J.D. Power's 2024 Auto Claims Satisfaction Study with 746 points out of 1,000, while Progressive earned just 672, which is well below the industry average of 697 points.
| Amica | Progressive | |
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| App store | 4.8 of 5 | 4.8 of 5 |
| Google Play | 3.2 of 5 | 4.6 of 5 |
| J.D. Power claims satisfaction | 746 / 1,000 | 672 / 1,000 |
Customer complaints
The NAIC Complaint Index measures the number of customer complaints an insurance company receives relative to its size. A score of 1.00 means a company has an average number of complaints, while scores above or below 1.00 indicate more or fewer complaints than average, respectively.
Amica auto insurance customer complaints
Over the past few years, Amica's private passenger product scores have consistently remained below the industry standard of 1.00, suggesting fewer complaints than expected. This trend underscores Amica's commitment to addressing policyholder concerns and maintaining a high level of service satisfaction.
Progressive auto insurance customer complaints
Progressive's Complaint Index has remained close to the industry average for customer complaints in recent years, suggesting a mixed track record in resolving car insurance issues. For comparison, Amica consistently has about half the amount of complaints as Progressive.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze May 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2023 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Credit-based insurance scores: Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 25-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
