Progressive vs. Amica

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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.


Comparing car insurance rates: Progressive vs. Amica


Progressive vs. Amica: pricing by credit score

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.

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: rates for high-risk drivers

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.

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: rates 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..

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
Good Student supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver
Defensive Driver supported
Student Away at School supported supported
Driver Training supported
Green Vehicles supported
Affinity Membership Alum
Advanced Purchase
Pay in Full supported supported
Home Owner supported
eSign or ePay
Telematics supported
New Vehicle
Annual Mileage
Ratings Comparison Progressive Amica Mutual Insurance
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Below average Excellent
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Progressive Amica Mutual Insurance
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported
Renters Insurance supported supported
RV Insurance supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported
Other Features Progressive Amica Mutual Insurance
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.
Recent Questions Do I need to put everyone in my household on my policy?
It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household already have their own insurance and vehicles, this would be unnecessary.
How many cars can I have on my progressive policy?
Hello, Most companies — including Progressive — will allow four cars per policy. Of course, it's always a good idea to check with your insurance company if you are unsure about whether or not your cars are covered.
Why won't my insurance recognize or cover Tesla labor rates?
Each insurance company has different guidelines when it comes to how they handle claims and repairs. As long as they are following the guidelines agreed to within your policy documents, then they are meeting the requirements on their end, so refer back to your policy and check what's covered and what's not.
I'm selling my car and canceling insurance. When I buy another car a few months from now, will I get higher rates for a lapse in coverage?
You are right — having a lapse in coverage will cause your rates to be higher in the future. I recommend getting a non-owners policy, which it sounds like Progressive is already offering to you.
See More Questions
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