Amica vs Progressive

1
FG Trade/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

Amica Insurance is based in Lincoln, Rhode Island, and was founded in 1907. It is the oldest mutual auto insurance company in the country. Amica is among the top 25 largest car insurance companies, with about 1% of the total market share, according to the National Association of Insurance Commissioners (NAIC). As of 2019, Amica had nearly 109,000 policies in force.

Progressive Insurance is one of the most popular car insurance providers, and it is also one of the largest. Progressive holds 13% of the market share, making it the third largest auto insurer in the United States. Progressive was founded in 1937 and today, it insures more than 18 million people around the country through a variety of different insurance products.

Amica vs Progressive: car insurance rates comparison

When comparing car insurance providers, it is important to look at each company’s third-party ratings for things like financial strength and customer satisfaction. Additionally, shoppers should consider average rates to get a sense of how much they might pay. The table below includes the third-party ratings and average premiums for Amica vs. Progressive from Quadrant Information Services.

Car insurance company Bankrate Score AM Best J.D. Power Average annual premium for minimum coverage Average annual premium for full coverage
Amica 4.6 A+ 907/1,000 $405 $1,378
Progressive 4.1 A+ 856/1,000 $582 $1,509

Rates by credit score

Depending on where you live and the insurance company you choose, your credit score may be used to calculate your policy premium. The only exception is if you live in Hawaii, California, Washington or Massachusetts, which do not allow car insurance carriers to consider your credit score when they determine your rate. In the table below, you can see the national average car insurance rates based on credit score. Notice that the worse your credit score is the higher your car insurance premiums will be.

Car insurance company Poor Average Good Excellent
National average $3,873 $1,865 $1,674 $1,487

Rates by age

When you apply for a car insurance policy, your age is one of the biggest factors that will affect your rate. Young drivers typically pay the highest car insurance rates due to their lack of experience on the road. The table below includes the average car insurance rates for Amica vs. Progressive based on age.

Car insurance company Age 16* Age 18 Age 25 Age 30 Age 40 Age 60
Amica $2,389 $5,077 $1,701 $1,469 $1,378 $1,401
Progressive $1,955 $6,287 $1,796 $1,668 $1,509 $1,302

*16 year old cost when added to parents’ policy, 18-year-old renter

Rates by driving record

Good drivers with a clean record are often rewarded with a lower rate. On the other hand, if your driving record shows a history of violations or accidents, you can expect to pay a much higher rate because of it. In the table below, we included the average annual premiums from Amica vs. Progressive for drivers with a clean record, one speeding ticket, one accident and one DUI.

Car insurance company Clean driving record Speeding ticket Accident DUI conviction
Amica $1,378 $1,689 $1,665 $3,479
Progressive $1,509 $1,826 $2,231 $1,933

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 can get through Progressive vs. Amica.

Amica

  • Loyal customer discount — Amica customers may get a discount based on the length of time they were insured with another provider before switching. Additionally, drivers can save money by staying with Amica for several years consecutively.
  • Policy bundling discount — Drivers may be able to save up to 30% on their insurance premium by insuring their car and their home, condo, renters, life or umbrella insurance policy.
  • Vehicle safety discount — If your vehicle is equipped with safety features like passive restraints, an anti-theft device or forward collision warnings, you may be able to save money.
  • Young driver training discount — Drivers under 21 who complete an approved driver training program can get a discount on their Amica auto insurance policy.

Progressive

  • Buy and sign online discount — Drivers who get a quote from Progressive online and sign their policy documents digitally may qualify for a combined discount of up to 15%.
  • Homeowner discount — If you own a home, you may qualify for discounted car insurance from Progressive, even if you have a different home insurance company.
  • Good student discount — Young drivers in high school or college who maintain a minimum ‘B’ GPA average or better may be able to save money on their Progressive policy.
  • Snapshot program discount — If you enroll in Progressive’s Snapshot safe driver program, you can save an average of $146 if you demonstrate safe driving skills.

Amica vs Progressive: online and mobile experience comparison

Overall, Progressive and Amica both have a great online experience. The websites are easy to navigate, and you can easily get a quote online in just a few minutes. We like that Amica has an online chat tool that makes it easy to connect with a representative without picking up the phone, which Progressive does not offer. However, we found that Progresive offers better online tools than Amica, like the Name Your Price Tool and competitor rate comparison tool.

Both Amica and Progressive also have a mobile app. The apps have similar features, but Amica’s app has much better ratings. Here is a closer look at the mobile app reviews for Amica vs. Progressive:

Amica

  • App Store (4.8 stars) — With Amica’s free iOS app, you can report and track claims, pay your bills, access your digital ID cards, request roadside assistance and contact the company if you need help. Overall, customers are satisfied with Amica’s iOS app, and the reviews are mostly positive.
  • Google Play (4.4 stars) — Amica’s Android app has all the same features as the iOS app. However, this app is rated slightly lower, with some users complaining about bugs and features that do not work as advertised.

Progressive

  • App Store (3.5 stars) — Progressive customers can download the iOS app and view their policy information, get ID cards, file a claim, get roadside assistance and make payments right from their phone. However, many of the iOS users complained about bugs in Progressive’s app, as well as slow speeds.
  • Google Play (4.1 stars) — Through the Progressive Android app, users can access all of the same features that are included with the iOS app. But Android users have many of the same complaints as the iOS users, like bugs and speed issues. Additionally, many of the negative reviews are actually for the company itself.

Frequently asked questions

How much does car insurance cost?

The average cost of car insurance in the United States is $1,674 per year for a full coverage policy that includes liability, collision, comprehensive and medical payments coverage. However, every driver pays a different rate based on personal factors like age, credit score and claim history.

What is the best car insurance company?

The best car insurance company is different for everyone. It depends on where you live, how much you want to spend, what type of coverage you want, which discounts you can qualify for and more.

Where is car insurance required?

Car insurance is legally required in almost every state if you own a registered vehicle. The only two states where traditional car insurance is not required are New Hampshire and Virginia.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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: 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. The following states do not allow credit to be a factor in determining auto insurance rates: CA, HI, MA

Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. 16-year-old rates were factored as the added cost to their parents’ policy; 18-year-old rates were calculated as drivers who rent their primary residence.

Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction (BAC of >= .08) and lapse in coverage.

Bankrate Score

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.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth has two years of experience writing for insurance domains such as Bankrate.com, The Simple Dollar, Coverage.com and NextAdvisor, among others. In addition to auto insurance, Elizabeth regularly writes about home insurance, renters insurance and life insurance. She also covers industry trends and general insurance education.
Edited by
Insurance Editor