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.
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.
Amica’s rates are above the national average, but the insurer has an A+ financial strength rating from AM Best.4
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
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.
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.
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.
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.
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.
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.
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.
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
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
Check out the answers to these commonly asked questions to learn more about Amica and Progressive.
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.
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.
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.
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