Amica vs. Progressive

Amica vs. Progressive comparison

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

Amica pros and cons

Progressive pros and cons

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.

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 singing: If you're comfortable singing 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.

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 Good Play users, while both carriers are rated similarly by iOS users. Looking at the 2023 J.D. Power U.S. Insurance Digital Experience Study, both Progressive and Amica received above-average scores with Amica scoring the highest in the study.

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

Customer complaints

The NAIC Complaint Index is a tool used to measure the number of customer complaints an insurance company receives relative to its size. It's calculated by comparing a company's number of complaints to its share of total premiums in the industry. A score of 1.0 means a company has an average number of complaints, while scores above or below 1.0 indicate more or fewer complaints than average, respectively. 

Amica auto insurance customer complaints

Progressive auto insurance customer complaints

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze April 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 Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts 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.

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 highlight where they fall short.