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Updated Feb 01, 2025
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Our verdict

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Amica

Amica
Rating: 4.4 stars out of 5
4.4
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Cost & ratings

Rating: 4.2 stars out of 5
4.2

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 4.2 stars out of 5
4.2

Progressive

Progressive
Rating: 4.4 stars out of 5
4.4
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Cost & ratings

Rating: 4 stars out of 5
4.0

Coverage

Rating: 5 stars out of 5
5.0

Support

Rating: 4.3 stars out of 5
4.3
OVERVIEW
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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.
STANDOUT FEATURES
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Name Your Price shopping tool
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Snapshot telematics program
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Online quote and sign online discounts
AVG FULL COV. AUTO RATE
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$2,388
AVG MIN COV. AUTO RATE
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$711
J.D. POWER AUTO SCORE
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672/1000
AM BEST RATING
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A+(Superior)
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

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

Car insurance company Amica avg. full coverage premium Progressive avg. full coverage premium
Young driver (age 25) $3,916 $3,018
Senior driver (age 70) $3,055 $2,176
Good driver, good credit $3,180 $2,388
Good driver, poor credit $8,400 $4,086
Speeding ticket with good credit $3,914 $3,051
At-fault accident with good credit $3,816 $3,586
DUI conviction with good credit $9,154 $3,317
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Bankrate's take

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 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
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Written by
Ashlyn Brooks
Writer II, Insurance
Ashlyn Brooks is a finance writer with more than half a decade of experience, known for her knowledge in areas such as taxes, insurance, investing, retirement, finance news, and banking products.
Edited by Editor, Insurance