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Everyone loves getting a good deal on car insurance. But price isn't the only consideration when choosing a car insurance company. If you end up with an insurer that drags its feet paying a claim, you may wish you'd paid more for a better experience. Keep that in mind when comparing Amica to Progressive.
Amica is highly rated for customer satisfaction, offers dividend-earning policies in some states, and provides more discount opportunities than Progressive. But Progressive offers significantly lower average premiums across driver types and a wider selection of coverage add-ons, making it a better choice for budget-minded consumers with specific coverage needs.
If you're struggling to weigh Amica's superior customer satisfaction ratings against Progressive's affordable rates, know that you have other options too. Several competitors offer cheaper premiums than Amica and have better ratings than Progressive. It's a good idea to compare customized quotes from a handful of car insurance companies before choosing a policy.
How we evaluate products
FinanceBuzz researches a number of factors in each auto insurance provider to create our reviews. These factors include cost and discounts, complaints and customer satisfaction, coverage, and ease of use. We also gather information from sources such as Insurify, J.D. Power, AM Best, the National Association of Insurance Commissioners (NAIC), and the Better Business Bureau to ensure we provide the most useful information to our readers.
Amica pros and cons
- Ranked second best for claims satisfaction by J.D. Power
- Excellent Trustpilot rating
- Generous bundling discount of up to 30%
- Premiums are more expensive than the national average
- Doesn't work with independent agents or brokers
Learn more in our Amica review
Progressive pros and cons
- Relatively inexpensive car insurance rates for full-coverage insurance
- Many unique coverage add-ons
- Small accident forgiveness included at no cost in most states
- Poor J.D. Power rating for claims satisfaction
- Poor customer service reviews
Learn more in our Progressive review
Which company is better?
| Amica | Progressive | |
| AM Best | A+ (Superior) | A+ (Superior) |
| J.D. Power claims satisfaction | 746/1000 (2nd place) | 672/1000 (2nd-to-last place) |
| BBB | Accredited with an A+ rating | Not accredited |
| NAIC complaints | Fewer complaints than expected for company size | About an expected number of complaints relative to company size |
Amica and Progressive are both highly rated for financial strength. Both companies hold an A+ financial strength grade with AM Best, an independent credit rating agency, indicating the insurers have a superior financial ability to continue paying policyholder claims.
But Amica's customer satisfaction ratings are far better than Progressive's. Amica is ranked 2nd in the 2024 J.D. Power U.S. Auto Claims Satisfaction Study. The study measures the experience of policyholders with eight aspects of the claims process, including ease, speed, and fairness. Progressive ranked 2nd to last in the same study.
Amica is also the top-ranked company in the New England region for other dimensions of customer satisfaction measured by the 2024 J.D. Power U.S. Auto Insurance Study. The insurer has a 4.4-star Trustpilot rating based on reviews from more than 5,000 customers. While Amica has some poor reviews with the BBB, the sample size is small, and the company is BBB-accredited with an A+ rating. BBB ratings measure factors like business transparency, complaint volume, and the company's engagement with customers to resolve complaints.
Progressive, on the other hand, has poor ratings on multiple review sites and is not BBB-accredited. The company's 2024 NAIC complaint index for auto insurance was on par with other companies of a similar size, but Amica's complaint index was lower. This indicates that Amica fares better than Progressive for customer satisfaction. In fact, Amica was our top pick for customer service on our list of the best car insurance companies.
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Which company is cheaper?
If you're looking for cheap car insurance, you're likely to get a lower premium from Progressive. Average premiums from Progressive are significantly lower than the national average, especially for full-coverage car insurance.
Amica is one of the most expensive car insurance companies, according to Insurify data, with few insurers charging higher rates. However, Amica does offer a few ways to save money on car insurance, including a generous discount for bundling your home and auto policies. In many states, you can also choose a policy that may earn dividends, which typically costs more upfront but may return up to 20% of your premium.
Keep in mind that cost is not the only factor you should consider when choosing a car insurance company. You often get what you pay for, and Amica may provide a better customer experience than Progressive.
Plus, your individual quote may vary from the average since auto insurers determine premiums based on individual factors like your location and driving record. It's a good idea to compare customized quotes if you're deciding between Amica and Progressive.
| Driver type | Progressive liability-only monthly premium | Progressive full coverage monthly premium |
| Clean driving record | $96 | $149 |
| Speeding ticket on driving record | $117 | $182 |
| At-fault accident on driving record | $115 | $198 |
| DUI on driving record | $155 | $240 |
| Teen driver | $176 | $273 |
| Senior driver (60s) | $58 | $89 |
| Senior driver (70s) | $58 | $89 |
| Data sourced from Insurify | ||
Compare Progressive's rates to the Amica averages below.
| Driver type | Amica liability-only monthly premium | Amica full-coverage monthly premium |
| Clean driving record | $146 | $269 |
| Speeding ticket on driving record | $216 | $399 |
| At-fault accident on driving record | $227 | $419 |
| DUI on driving record | $211 | $389 |
| Teen driver | $204 | $377 |
| Senior driver (60s) | $107 | $197 |
| Senior driver (70s) | $107 | $198 |
| Data sourced from Insurify | ||
Clean driving record
Progressive offers cheaper car insurance rates than Amica for drivers with a clean record, especially for a full-coverage policy. Drivers can save more than $100 a month on average by choosing full-coverage insurance from Progressive instead of Amica. Progressive also offers large accident forgiveness for loyal customers — if you stay with Progressive for 5 years and maintain a clean driving record, your rates won't increase if you need to file a claim.
Average rate:
Speeding ticket on driving record
Amica charges higher premiums than Progressive for drivers with a speeding ticket. For a full-coverage policy, Amica charges the highest average premium for drivers with a speeding ticket than any of the car insurers we reviewed. Progressive, on the other hand, charges well below the national average for drivers with tickets who purchase a full-coverage or liability policy.
At-fault accident on driving record
Amica is also more expensive than Progressive for drivers who have caused an accident. Amica's car insurance rates for drivers with an at-fault accident are among the highest of the major car insurance companies. Progressive's premiums are much lower, though several competitors offer even cheaper rates.
DUI on driving record
Progressive offers cheaper premiums on average than Amica for drivers with a DUI, though neither company offers the best rates for drivers with this infraction. Car insurance companies often charge dramatically increased premiums for DUI drivers. But a few companies, including Auto-Owners, Root, and State Farm, charge very affordable rates.
Teen driver
If you add a teen driver to a car insurance policy, you can expect a high premium. But Progressive offers cheaper rates for teen drivers than Amica. Teen drivers pay $100 or more per month on average for a full-coverage policy from Amica compared to Progressive.
Senior driver
Drivers in their 70s can enjoy cheap car insurance premiums from Progressive. Amica's rates for senior drivers are much higher than Progressive's — for full coverage, drivers in their 70s pay more than double at Amica.
Discounts
Amica and Progressive both offer many ways to lower your car insurance premium. Both companies offer bundling discounts, student discounts, and payment discounts. You can also enroll in either company's telematics program to potentially save money for safe driving behavior.
Amica offers a greater number of discounts than Progressive. Unlike Progressive, Amica offers discounts for safety and security equipment, which are common features of newer vehicles.
But Progressive offers a few unique discounts and perks that may appeal to some drivers — for example, you can get a discount for adding a teen driver after one year with Progressive, and you can earn discounts for getting an online quote and signing your policy documents online.
| Discount | Does Amica have it? | Does Progressive have it? |
| Loyalty | Yes | No |
| Multi-policy/bundling | Yes | Yes |
| Multiple vehicle | Yes | Yes |
| Airbag | Yes | No |
| Anti-lock brakes | No | No |
| Anti-theft | Yes | No |
| Safe driver | Yes | Yes |
| Good student | Yes | Yes |
| Away-from-home student | Yes | Yes |
| New car | No | No |
| Pay in full | Yes | Yes |
| Automatic payments | Yes | Yes |
| GAP insurance | Yes | Yes |
| Senior | No | No |
| Military | No | No |
| Defensive driving course | Yes | No |
StreetSmart by Amica vs. Snapshot from Progressive
Amica and Progressive both offer telematics programs, also known as usage-based insurance. These programs collect data about your driving habits and offer rewards and/or discounts for safe driving behavior. The table below shows how StreetSmart by Amica compares to Snapshot from Progressive.
| StreetSmart by Amica | Snapshot from Progressive | |
| Enrollment discount | Up to 10% off current premium | Varies by state (average savings of $169 for first policy period) |
| Ongoing savings | Potential discount at policy renewal | Potential discount at policy renewal |
| Additional rewards | Yes; redeem for e-gift cards to popular retailers like Amazon and Starbucks | No |
| Technology required | Free mobile app | Free mobile app or plug-in device |
| Driving behavior monitored |
|
|
| Potential for rate increase | No | Yes (2 in 10 drivers see their premium increase due to high-risk driving) |
| State availability | 27 states | All states except CA |
StreetSmart by Amica offers several benefits without the risk of a premium increase, making the program superior to Snapshot from Progressive for most drivers, but it's not available everywhere. Your savings with each program will also depend on several individual factors.
Coverage
Amica and Progressive offer all the standard coverages that your state may require, plus the optional coverages that most drivers choose.
- Bodily injury liability coverage
- Property damage liability coverage
- Medical payments coverage (MedPay)
- Personal injury protection (PIP)
- Uninsured and underinsured motorist coverage
- Comprehensive coverage
- Collision coverage
In addition, both companies offer a selection of car insurance riders or coverage add-ons. Of the two companies, Progressive offers more coverage choices, including unique options like pet injury coverage for accident-related veterinary bills and a vehicle protection plan that is similar to an extended warranty.
The chart below shows each company's offerings.
| Coverage add-on | Does Amica offer it? | Does Progressive offer it? |
| Roadside assistance | Yes | Yes |
| Rental car reimbursement | Yes | Yes |
| Gap insurance or loan/lease payoff coverage | Yes | Yes |
| Trip interruption coverage (lodging and food for road trip breakdowns) | No | Yes |
| Rideshare or delivery driver coverage | Yes | Yes |
| Vehicle protection (non-accident-related systems coverage) | No | Yes |
| Custom parts and equipment value coverage | No | Yes |
| Pet injury coverage | No | Yes |
| Disappearing deductible (Reduces deductible for every claims-free policy period) | No | Yes |
| Full glass coverage ($0 deductible) | Yes | Yes |
Note that not all coverage options are available in every state. Ask your insurance professional for details.
FAQs
How do I contact Amica?
Amica offers superior customer service options, including live chat support with extended hours. You can complete many policy management tasks online, chat with a representative through the Amica Virtual Assistant, send a message through the Amica online form, or get help by phone at the following numbers.
- Customer service and claims: 800-242-6422
- Technical assistance: 833-915-0019
- 24-hour roadside assistance: 866-286-9968
How do I contact Progressive?
Progressive offers 24/7 customer service. You can chat with a representative online, complete self-service actions through your online account, send an email through the site, or call customer service at 888-671-4405.
Who is Progressive's biggest competitor?
Progressive's biggest competitor is State Farm. State Farm is the largest property and casualty insurer, according to the NAIC, while Progressive is the second largest by market share. State Farm also has stronger third-party ratings and may offer lower premiums than Progressive.
Why did Amica go to 6-month policies?
Amica is transitioning to 6-month policies in most states. The aim is to react faster to changes in market conditions in order to maintain financial stability and offer competitive rates. You'll still have the option to pay monthly, or you can earn the paid-in-full discount by paying for the 6-month policy upfront.
Bottom line
The best car insurance company for you will depend on your coverage needs and budget. If you want a great customer experience and if you can get the coverage you need and qualify for discounts from Amica, the company may be the right choice despite its high pricing.
On the other hand, if you have unique coverage needs or want an affordable price for full-coverage insurance, Progressive may be a better option. Before choosing a company, be sure to compare customized auto insurance rates from Amica and Progressive, along with a few competitors.
Average rate:
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