Progressive vs Amica: Which is Better for You?
Compare rates from the top car insurance companies in your area.
Progressive or Amica Mutual Insurance: Which company is best for you?
Picking a car insurer is sometimes difficult: rates may vary based on your driving record, location, and age, and every company's discounts differ. Progressive and Amica are counted among the US' most popular auto insurance companies, providing high-quality insurance policies in most states.
To simplify the insurance shopping process, we pulled average insurance premiums from Amica and Progressive. The below cover a variety of pricing factors, including credit rating, driving history, and age. Take a look at these rates and find the right policy for you.
Find out more: Consult our comprehensive reviews of Progressive and Amica.
Progressive vs. Amica: by credit level
If you have very poor credit, Amica could be the way to go. On average, Amica offers lower rates than Progressive for drivers with credit scores of lower than 580. Insurance shoppers with exceptional credit — a score of 800 or higher — should lean toward Check out typical insurance costs by credit score for Amica and Progressive below.
INSURER RATES BY CREDIT SCORE: AMICA VS. PROGRESSIVE
| Credit level | Progressive avg. annual premium | Amica avg. annual premium |
| Very Poor (300-579) | $3,602 | $2,010 |
| Fair (580-669) | $2,127 | $1,389 |
| Good (670-739) | $1,708 | $1,352 |
| Very Good (740-799) | $1,453 | $1,174 |
| Exceptional (800-850) | $1,320 | $1,057 |
Progressive vs. Amica: by citation
If you are carrying an at-fault crash, speeding violation, reckless driving citation, or DUI on your résumé, Amica could be a better choice than Progressive. Each auto insurance company enacts rate penalties differently, so it's worth comparing quotes to find out which insurer is best for you.
INSURER RATES BY VIOLATION: AMICA VS. PROGRESSIVE
| Citation | Progressive avg. annual premium | Amica avg. annual premium |
| At-fault accident (damage < $1,000) | $2,720 | $1,646 |
| At-fault accident (damage > $1,000) | $2,245 | $1,152 |
| DUI/DWI | $2,201 | $3,356 |
| Reckless driving | $2,457 | $2,761 |
| Speeding ticket | $2,091 | $1,390 |
Progressive vs. Amica: by age
Car insurance companies use a driver's age to indicate risk, assigning rates accordingly. An auto insurance policy is typically more expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because every car insurance company evaluates ages in a different way, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Amica over Progressive: the former's average annual rates are $2,882 less than the latter's..
INSURER RATES BY AGE: AMICA VS. PROGRESSIVE
| Age bracket | Progressive avg. annual premium | Amica avg. annual premium |
| Teens | $8,248 | $5,366 |
| 20s | $2,287 | $1,631 |
| 30s | $1,646 | $1,631 |
| 40s | $1,644 | $1,151 |
| 50s | $1,542 | $1,105 |
| 60s | $1,403 | $1,066 |
Cost aside, Progressive and Amica each carry pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
| Discount Comparison | Progressive | Amica Mutual Insurance |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum | ||
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| Pay in Full |
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| Ratings Comparison | Progressive | Amica Mutual Insurance |
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| Financial Strength | Superior | Superior |
| JD Power Rankings | Below average | Excellent |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Progressive | Amica Mutual Insurance |
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| Travel Trailer Insurance |
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| Other Features | Progressive | Amica Mutual Insurance |
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| About | Since 1938, Progressive has made it easy to understand, buy, and use car insurance. In fact, as one of the largest insurance companies out there and the number one personal auto insurer by written premium among independent agents, you can choose the coverage options that make the most sense to you. | At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service. |
| Roadside Assistance | Progressive's Roadside Assistance offers towing service, winching service, flat tire change, battery jump-start, battery charge for electric cars, locksmith service, on-scene labor, and emergency gasoline delivery, and depending on your policy, these may come with no out-of-pocket fee. In most states, you'll need to have Comprehensive and Collision coverage on the vehicle to add Progressive's Roadside Assistance. | Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility. |
| Additional Discounts | Progressive offers additional savings through a loyalty rewards program which includes perks like priority call service, renewal guarantees, and accident forgiveness, based on the amount of time you’ve been with the company. | Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy. |
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