Progressive vs Amica Mutual Insurance Car Insurance

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Progressive or Amica Mutual Insurance:
Which Company is Best for You?

Choosing an auto insurance company can be tough: rates can vary based on your driving history, location, and age, and every company's discounts vary. Progressive and Amica are two of America's top insurers, providing affordable coverage across many states.

In an effort to make insurance shopping seamless, we collected average rates from Amica and Progressive. These take into account myriad rating factors, including credit, driving history, and demographics. Compare rates and find your next car insurance policy today.

 

Comparing car insurance rates: Progressive vs. Amica

 

Progressive vs. Amica: by credit level

If you have extremely bad credit, Amica could be a better option for you. Typically, Amica offers better rates than Progressive for drivers with credit scores of 579 or less. Drivers with extraordinary credit — a score of 800 or better — should opt for Check out typical insurance rates by credit score for Amica and Progressive below.

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Amica VS. Progressive
Credit scoreProgressive 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: high-risk insurance rate comparison

If you're saddled with an at-fault crash, speeding ticket, reckless driving citation, or DUI on your résumé, Amica could be a better choice than Progressive. Every car insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to figure out which insurer suits you.

 

RATES BY VIOLATION: Amica VS. Progressive
ViolationProgressive 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 bracket

Insurers use a driver's age as an indicator of potential risk, pricing policies on a sliding scale. Auto insurance is commonly expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for older drivers. Because each insurance company evaluates age brackets 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..

 

RATES BY AGE: Amica VS. Progressive
AgeProgressive 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

 

Affordability aside, Progressive and Amica each carry pros and cons, including their discounts, perks, 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
3 out of 5
4 out of 5
User Satisfaction

A+

A+

Other ProductsProgressiveAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesProgressiveAmica Mutual Insurance
AboutProgressive provides its customers with a wide range of services and competitive rates designed to help them get their lives back in order again as quickly as possible.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 QuestionsWhy won’t my insurance recognize or cover Tesla labor rates?

I was at fault for an accident in my new Tesla Model 3. I have Progressive insurance and they do ...

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?

I’m in the process of selling my car and will be without a vehicle for the first time in years. ...

Does progressive auto insurance cover house property damage?

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Will my car insurance cover me after a theft

Somebody break into my car. I try to to file a claim but the employee told me I won’t get ...

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Should I drop my 25yo son from insurance?

My 25-year-old son totaled one of our vehicles. If we drop him off our ins can we reduce/save major premium ...

Should I get my insurance company involved or pay for the damage myself if I backed into a tree?

I was backing out of my driveway and hit a tree while attempting to avoid other parked cars. Apparently I ...

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Compare MoreProgressive vs. 21st Century Progressive vs. Allied Progressive vs. Allstate Progressive vs. American Family Progressive vs. Auto Club (AAA) Progressive vs. Elephant Progressive vs. Erie Progressive vs. Esurance Progressive vs. Farm Bureau Mutual Progressive vs. Farmers Progressive vs. Foremost Progressive vs. GEICO Progressive vs. Infinity Progressive vs. Liberty Mutual Progressive vs. Mercury Progressive vs. MetLife Progressive vs. Metromile Progressive vs. Nationwide Progressive vs. North Star Mutual Progressive vs. Root Progressive vs. SAFECO Progressive vs. SafeAuto Progressive vs. State Farm Progressive vs. The General Progressive vs. The Hartford Progressive vs. Titan Progressive vs. Travelers Progressive vs. USAAAmica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. Allstate Amica Mutual Insurance vs. American Family Amica Mutual Insurance vs. Auto Club (AAA) Amica Mutual Insurance vs. Erie Amica Mutual Insurance vs. Esurance Amica Mutual Insurance vs. Farm Bureau Mutual Amica Mutual Insurance vs. Farmers Amica Mutual Insurance vs. Foremost Amica Mutual Insurance vs. GEICO Amica Mutual Insurance vs. Infinity Amica Mutual Insurance vs. Liberty Mutual Amica Mutual Insurance vs. Mercury Amica Mutual Insurance vs. MetLife Amica Mutual Insurance vs. Nationwide Amica Mutual Insurance vs. North Star Mutual Amica Mutual Insurance vs. SAFECO Amica Mutual Insurance vs. SafeAuto Amica Mutual Insurance vs. State Farm Amica Mutual Insurance vs. The General Amica Mutual Insurance vs. The Hartford Amica Mutual Insurance vs. Titan Amica Mutual Insurance vs. Travelers Amica Mutual Insurance vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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Progressive vs Amica Mutual Insurance

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