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Amica vs. Progressive 2024

Written by

Ashlyn Brooks

Edited by

Jessa Claeys

Edited by

Jessa Claeys

Updated Nov 13, 2024

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 endorsements. To discuss a quote with Amica, contact Amica over the phone or visit www.amica.com.

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. 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 in the 2024 Bankrate Awards for Best Auto Insurance Company Overall and won Best for Customer Service. Progressive was named Best Auto Insurance Company for High-Risk Drivers.

Amica vs. Progressive comparison

We've compiled a comparison of key quality metrics for Amica and Progressive in the chart below.

Featured Amica Rating: 4.6 stars out of 5 4.6 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 Cost & ratings Rating: 4.5 stars out of 5 4.5 Coverage Rating: 5 stars out of 5 5.0 Support Rating: 4.2 stars out of 5 4.2 Read Review	Progressive Rating: 4.4 stars out of 5 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 Cost & ratings Rating: 4.2 stars out of 5 4.2 Coverage Rating: 5 stars out of 5 5.0 Support Rating: 4.3 stars out of 5 4.3 Read Review
OVERVIEW Bankrate identified key carrier features, coverage offerings, discounts and more
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	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
STANDOUT FEATURES These features are some of the carrier’s most impressive
Robust online claim center Dividend policies available Loyalty discount after 2+ years	Name Your Price shopping tool Snapshot telematics program Online quote and sign online discounts
AVG FULL COV. AUTO RATE Average national annual cost of a full coverage auto insurance policy
$2,917	$2,418
AVG MIN COV. AUTO RATE Average national annual cost of a minimum coverage auto insurance policy
$736	$706
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
746/1000	672/1000
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A+(Superior)	A+(Superior)

Amica pros and cons

Pros

Dividend policy option available
Numerous discounts and optional coverage types
Slightly higher-than-average score for service per J.D. Power’s 2024 U.S. Insurance Digital Experience Study
Highest score in 2023 J.D. Power Auto Claims Satisfaction Study
Lower-than-average NAIC Complaint Index for its auto insurance product

Cons

Auto insurance not available in Hawaii
Rideshare coverage is not available
Few local offices available for face-to-face policy management
Online insurance quotes are not available in Louisiana

Progressive pros and cons

Pros

Available nationwide
Local agents available for in-person policy management
Highest score in the service section of the J.D. Power 2024 U.S. Insurance Digital Experience Study
Many coverage types and discounts available
May be an option for high-risk drivers

Cons

Below-average 2023 claims satisfaction score from J.D. Power
Average premiums may not be as low as some other large auto insurance companies
Some drivers may see rates increase after Snapshot participation
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 in most categories. 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
Young driver (age 25)	$3,590	$3,049
Senior driver (age 70)	$2,663	$2,198
Good driver, good credit	$2,917	$2,418
Good driver, poor credit	$7,741	$4,338
Speeding ticket with good credit	$3,584	$3,120
At-fault accident with good credit	$3,473	$3,674
DUI conviction with good credit	$8,366	$3,312

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. Accidents and tickets can 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
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 iOS users rate both carriers similarly. Both Progressive and Amica received above-average scores per J.D. Power’s 2024 U.S. Insurance Digital Experience Study, with Progressive earning the highest score for shopping.

Evaluating claims satisfaction, Amica earned the top spot in J.D. Power's 2023 Auto Claims Satisfaction Study with 909 points, while Progressive earned just 870, which is below the industry average of 878 points.

	Amica	Progressive
App store	4.8 of 5	4.8 of 5
Google Play	3.4 of 5	4.6 of 5
J.D. Power claims satisfaction	909 / 1,000	870 / 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 shown improvement over recent years, suggesting Progressive is actively addressing and resolving customer issues. That said, its scores are still not as strong as Amica's.

Frequently asked questions

Whether one or the other is better for you will depend on more than just ratings. Ideally, the best car insurance company for you will need to meet your coverage needs while staying within your budget. Amica has higher average rates but also higher customer claims satisfaction, while Progressive has been rated better for its digital presence. Progressive has some advantages for those with citations on their record, while Amica has a better history of customer service. Both received high Bankrate Scores and J.D. Power customer satisfaction ratings, but Amica scored higher in both arenas. In the last two years, both have received fewer-than-average complaints for companies of their size.
When comparing average car insurance costs from Progressive and Amica, Amica offers higher national average costs than Progressive for both minimum and full coverage. It’s important to remember, though, that your rates will likely vary from the average based on your rating factors and coverage choices.
Yes, both Amica and Progressive offer homeowners insurance, though coverage options, rates and availability may vary by state. Progressive home insurance is available nationwide through underwriter ASI, but Amica does not offer home coverage in Alaska or Hawaii. Our average annual rates for $300K in home dwelling coverage show Progressive at $2,485, while Amica’s rate for the same coverage is $1,876.
When considering Amica vs. Progressive performance in the 2023 J.D. Power Auto Claims Satisfaction Study, Amcia performed better, earning the top slot in the study. Progressive came in just below the industry average. Each carrier boasts an AM Best rating of A+, which signifies a historic capability to meet ongoing insurance obligations, including paying out claims. If claim payout timing is important to you, you might benefit from reading customer reviews or speaking with existing policyholders about their claims experience.

Methodology

Bankrate utilizes Quadrant Information Services to analyze November 2024 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 2022 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 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Overall Score

Cost & ratings 50%
Coverage & savings 30%
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.