Amica vs Progressive
Last updated July 2026
Amica
One of America's most highly rated insurance companies
Advantages
- Consistently top-tier J.D. Power scores for claims and customer satisfaction
- Dividend policies return a portion of your premium each year, typically 5-20%
- Platinum Choice Auto adds identity fraud, glass, and rental car coverage as standard
- Available in all 50 states
- Straightforward pricing without heavy telematics dependency
Drawbacks
- Base rates are higher than direct-to-consumer carriers like Geico or Progressive
- No mobile-first quoting experience, digital tools are functional but not slick
- Limited discount stacking compared to State Farm or Allstate
Progressive
Name your price
Advantages
- Snapshot telematics can deliver large discounts for safe drivers
- Competitive rates for high-risk, young, and SR-22 drivers
- Name Your Price tool helps find coverage that fits your budget
- Comparison tool shows competitor rates alongside Progressive's
- Strong bundling options including boat, motorcycle, and RV
Drawbacks
- Base rates without Snapshot can be higher than Geico
- Customer service satisfaction scores trail some competitors
- Snapshot can increase your rate if you have poor driving habits
- Claims process satisfaction is middling in surveys
Amica and Progressive both play in auto insurance, but they're aimed at different buyers. Amica is built for civilian drivers who prioritize claims service and want dividend returns over ultra-low base rates. Progressive is built for high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts. Which one fits depends on which of those descriptions sounds more like you.
Feature Comparison
| Feature | Amica | Progressive |
|---|---|---|
| Typical Monthly Cost | Avg $140-$200/mo before dividends | $130-$160/mo national average |
| Quote Process | Online, phone, or independent agent | Online with competitor comparison tool |
| Available Discounts | Multi-policy, loyalty, homeowner, good student, safe driver | Snapshot, multi-policy, homeowner, paid-in-full |
| Claims Experience | 24/7 phone or online, agent-assisted | App, phone, local adjusters in some areas |
| Customer Support | Phone, online, limited chat | -- |
| Coverage Options | Liability, collision, comprehensive, glass, identity fraud, rental | -- |
| Mobile App Quality | Good, ID cards, claims, payments | Good, Snapshot integration, policy management |
| Bundling Options | Auto, home, renters, life, umbrella | Direct, auto, home, boat, motorcycle, RV |
| Telematics Program | -- | Snapshot, mature, well-proven program |
| High-Risk Drivers | -- | Strong, one of the best for high-risk drivers |
Amica Wins
Amica takes it overall (9/10 vs 8/10), but Progressive is still the sharper pick for high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts.
Amica's standout strength: Consistently top-tier J.D. Power scores for claims and customer satisfaction. Its biggest drawback (base rates are higher than direct-to-consumer carriers like Geico or Progressive) is easier to live with than Progressive's (base rates without Snapshot can be higher than Geico). Progressive isn't out of the running though — its own standout strength is snapshot telematics can deliver large discounts for safe drivers. If you fit the profile of high-risk drivers, young drivers, and safe drivers willing to use Snapshot for deeper discounts, that alone can flip the decision.
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