Amica Insurance is based in Lincoln, Rhode Island, and was founded in 1907. It is the oldest mutual insurance company in the nation. Amica is among the top 25 largest car insurance companies, with about 1% of the total market share, according to the National Association of Insurance Commissioners (NAIC). As of 2019, Amica had nearly 109,000 policies in force.
Progressive Insurance is one of the most popular car insurance providers, and it is also one of the largest. Progressive is the third-largest auto insurer in America, with 13% of the total market. Progressive was established in 1937. Today, the company insures over 18 million Americans through a range of insurance products.
Amica vs Progressive: car insurance rates comparison
It is crucial to compare car insurance providers by examining third-party ratings. This will help you determine financial strength and customer satisfaction. To get an idea of the potential cost, consumers should also consider average rates. Below is a table that includes third-party ratings as well as average premiums from Quadrant Information Service for Amica vs. Progressive.
Rates based on credit score
Your credit score could be used to determine your premium, depending on where you live or the insurance company you choose. The only exception is if you live in Hawaii, California, Washington or Massachusetts, which do not allow car insurance carriers to consider your credit score when they determine your rate. Below is a table that shows the average national car insurance rate based on credit scores. You will notice that your car insurance premiums will rise if your credit score is poor.
Rates based on age
Your age will have a major impact on your car insurance rate. Due to their inexperience on the roads, young drivers tend to pay the highest car insurance rates. Below is a table that compares the average car insurance rates of Progressive and Amica. It is based on your age.
Driving record rates
A lower rate is often given to clean drivers. However, drivers with a history of accidents or violations can expect to pay higher rates. Below is a table that compares Amica’s annual premiums to Progressive. It includes drivers who have a clean driving record, one speeding ticket and one DUI.
Amica vs Progressive: discounts
Amica and Progressive both offer a wide variety of car insurance discounts. The savings offered by each provider are different. Here are some discounts that Progressive vs. Amica offers.
Amica
- Loyal customers discount — Amica customers could get a discount depending on how long they have been insured with another provider prior to switching. Drivers can also save money by sticking with Amica for many years.
- Bundling discounts — Drivers can save up to 30% by insuring both their car and their condo, home, renters, life, or umbrella insurance policies.
- Vehicle safety discount — You may be eligible to save money if your vehicle has safety features such as passive restraints or anti-theft devices, and forward collision warnings.
- Discount for young drivers — Drivers aged under 21 can receive a discount on Amica’s auto insurance policy.
Progressive
- Purchase and Sign Online Discount — Drivers who obtain a quote online from Progressive and then sign their policy documents electronically may be eligible for a discount of up to 15%
- Progressive Homeowner Discount — Progressive may offer a discount on car insurance for homeowners who own homes. This applies even if they have different home insurance companies.
- Student discount — Students in high school and college may be eligible for a discounted Progressive policy.
- Snapshot discount — Progressive’s Snapshot safe-driving program allows you to save an average $146 by demonstrating safe driving skills.
Comparison of Amica and Progressive: Online and Mobile Experience
Both Progressive and Amica offer a great online experience. It is easy to use the websites and you can get a quote online within minutes. Amica offers an online chat feature that allows you to talk with a representative from the comfort of your computer. Progressive doesn’t offer this. We found that Progresive has better online tools than Amica such as the Name Your Price Tool, and a rate comparison tool.
Both Progressive and Amica have a mobile application. Both apps offer similar features but Amica’s mobile app has higher ratings. We take a closer look at Amica’s mobile app reviews vs. Progressive.
Amica
- App Store (4.8 stars) — With Amica’s free iOS app, you can report and track claims, pay your bills, access your digital ID cards, request roadside assistance and contact the company if you need help. Amica’s iOS application is well-received by customers, with most reviews being positive.
- Google Play (4.4 stars) — Amica’s Android app has all the same features as the iOS app. This app has been rated slightly lower by users who complained about bugs and features not working as they were promised.
Progressive
- App Store (3.5 stars) — Progressive customers can download the iOS app and view their policy information, get ID cards, file a claim, get roadside assistance and make payments right from their phone. Many iOS users were unhappy with the app’s slow speed and bugs.
- Google Play (4.1 stars) — Through the Progressive Android app, users can access all of the same features that are included with the iOS app. Android users also have the same complaints as iOS users about bugs and speed. Many of the negative reviews are for the company.
Questions frequently asked
What is the cost of car insurance?
The average cost of car insurance in the United States is $1,674 per year for a full coverage policy that includes liability, collision, comprehensive and medical payments coverage. Each driver will pay a different rate depending on their credit score, claim history, and age.
Which is the best auto insurance company?
The best car insurance company is different for everyone. It all depends on where you live and how much you spend. What type of coverage you need, what discounts you qualify for, and many other factors.
Is car insurance necessary?
If you have a vehicle registered in the state, car insurance is required. Virginia and New Hampshire are the only states that do not require traditional car insurance.
