Amica Insurance, which is headquartered in Lincoln, Rhode Island, was founded in 1907, and is the oldest mutual auto insurance company in the country. Amica is also the 15th largest auto and home insurer in the nation, according to the National Association of Insurance Commissioners (NAIC). As of 2020, Amica had over 1.5 million policies in force. To discuss a quote with Amica, those interested can contact Amica through its website or over the phone.
Holding over 8% of the national market share, Progressive Insurance is the second most popular insurer for auto insurance and the eighth most popular for home insurance. Progressive, which was founded in 1937, now insures more than 18 million people around the country through a variety of different insurance products. Progressive offers multiple ways to get a quote, including online and over the phone.
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|
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, Michigan or Massachusetts, which do not allow car insurance carriers to consider your credit score when they determine your rate. Washington state is currently waiting for this credit-ban bill to pass as well. 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|
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 exception is Hawaii and Massachusetts, two states that do not allow age to be a rating factor. 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|
*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 or options like accident forgiveness. On the other hand, if your driving record shows a history of violations or at fault 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 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 vs. Amica.
- Loyal customer discount — Amica Insurance 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.
- 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 per year if you demonstrate safe driving skills, according to Progressive’s website.
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 Progressive 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 average ratings. Here is a closer look at the mobile app reviews for Amica vs. Progressive:
- 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 (4.2 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.
- App Store (4.5 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 (4.7 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
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, MI, & 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. The following states do not allow age to be a factor in determining auto insurance rates: HI & MA
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 Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.