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.

 
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: AMICA VS. PROGRESSIVE
Credit levelProgressive avg. annual premiumAmica 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.

 
RATES BY CITATION: AMICA VS. PROGRESSIVE
CitationProgressive avg. annual premiumAmica 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..

 
COMPARING AUTO INSURANCE RATES BY AGE: AMICA VS. PROGRESSIVE
Age bracketProgressive avg. annual premiumAmica 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 ComparisonProgressiveAmica Mutual Insurance
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonProgressiveAmica Mutual Insurance
Financial Strength SuperiorSuperior
JD Power Rankings
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

A+

A+

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Other FeaturesProgressiveAmica Mutual Insurance
AboutSince 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 AssistanceProgressive's Roadside Assistance offers towing service, flat tire change, battery jump-start, locksmith service 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 DiscountsProgressive 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 QuestionsCan my new insurer cover a bodily injury claim made against me from my past accident when I was covered by a different company?
Unfortunately, State Farm will not handle your recent bodily injury claim since you no longer have a policy with them. Progressive would be the one to handle that claim since that is your current active plan.
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.
See More Questions
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