Amica vs Progressive | Bankrate

Amica Insurance is based in Lincoln, Rhode Island, and was founded in 1907. It is the oldest mutual auto insurance company in the country. According to the National Association of Insurance Commissioners (NAIC), Amica is one of the top 25 auto insurance companies with a market share of around 1%. In 2019, Amica had almost 109,000 policies in place.

Progressive Insurance is one of the most popular auto insurance providers and one of the largest too. Progressive holds 13% of the market share, making it the third largest auto insurer in the US. Progressive was founded in 1937 and today covers more than 18 million people across the country through a wide variety of insurance products.

Amica vs Progressive: Car Insurance Tariff Comparison

When comparing auto insurance providers, it’s important to look at third-party reviews for things like financial strength and customer satisfaction. Additionally, buyers should consider average prices to get a sense of how much they could pay. The following table shows the third-party ratings and average rewards for Amica vs. Progressive from Quadrant Information Services.

Car insurance	Bankrate Score	Preferably	JD Power	Average annual premium for minimum coverage	Average annual premium for fully comprehensive insurance
friend	4.6	A +	907 / 1,000	$ 405	$ 1,378
Progressive	4.1	A +	856 / 1,000	$ 582	$ 1,509

Prices according to creditworthiness

Depending on where you live and the insurance company you choose, your creditworthiness can be used to calculate your insurance premium. The only exception is if you live in Hawaii, California, Washington, or Massachusetts, which doesn’t allow auto insurance carriers to consider your creditworthiness when setting your rate. The table below shows the nationwide average car insurance rates based on creditworthiness. Note that the worse your credit rating, the higher your car insurance premiums.

Car insurance	poor	Average	Well	Excellent
National average	$ 3,873	$ 1,865	$ 1,674	$ 1,487

Prices according to age

When you apply for car insurance, one of the biggest factors that will affect your tariff is your age. Young drivers usually pay the highest car insurance rates due to their lack of road experience. The table below shows the average Amica vs. Progressive auto insurance rates based on age.

Car insurance	Age 16 *	Age 18	Age 25	Age 30	Age 40	Age 60
friend	$ 2,389 $ 2nd	$ 5,077	$ 1,701	$ 1,469	$ 1,378	$ 1,401
Progressive	$ 1,955	$ 6,287	$ 1,796	$ 1,668	$ 1,509	$ 1,302

* Cost for 16 year olds when added to parents’ policy, 18 year old renter

Prices according to the ticket

Good drivers with a clean record are often rewarded with a lower rate. On the other hand, if your driving report has a history of violations or accidents, you can expect to pay a much higher price. In the table below, we’ve included Amica vs. Progressive’s average annual premiums for drivers with a clean record, a parking ticket, an accident, and a DUI.

Car insurance	Clean driving report	Traffic ticket	accident	DUI conviction
friend	$ 1,378	$ 1,689	$ 1,665	$ 3,479
Progressive	$ 1,509	$ 1,826	$ 2,231	$ 1,933

Amica vs Progressive: Discounts

Amica and Progressive both offer a variety of auto insurance discounts. However, the exact savings available are unique to each provider. Below are some of the discounts you can get through Progressive vs. Amica.

friend

• Loyalty discount – Amica customers can get a discount with another provider before switching, depending on the duration of the insurance. In addition, drivers can save money by staying with Amica for several years in a row.
• Discount for bundling policies – Drivers can save up to 30% on their insurance premium by insuring their car and their home, condo, tenant, life or umbrella insurance.
• Vehicle safety discount – If your vehicle is equipped with safety features such as passive restraint systems, an anti-theft device or front collision warnings, you can potentially save money.
• Training discount for young drivers – Drivers under the age of 21 who are completing an approved driver training program can get a discount on their Amica car insurance.

Progressive

• Buy and sign online discount – Drivers who receive an offer from Progressive online and digitally sign their policy documents can receive a combined discount of up to 15%.
• Homeowner Discount – If you own a home, you may be eligible for discounted Progressive car insurance, even if you have a different home insurance policy.
• Good student discount – Young high school or college drivers who maintain a minimum GPA Average of “B” or better can potentially save money on their progressive policy.
• Discount for the snapshot program – Enrolling in Progressive’s Snapshot safe driver program can save you an average of $ 146 by demonstrating safe driving skills.

Amica vs Progressive: Online and Mobile Experience Comparison

Overall, Progressive and Amica both have a great online experience. The websites are easy to navigate and you can get a quote online in just minutes. We like that Amica has an online chat tool that makes it easy to connect with a representative without picking up the phone, which Progressive doesn’t. However, we have found that Progresive has better online tools than Amica, such as the Name Your Price Tool and competitor’s price comparison tool.

Both Amica and Progressive also have a mobile app. The apps have similar functionality, but Amica’s app has much better reviews. Here’s a closer look at the mobile app ratings for Amica vs. Progressive:

friend

• App Store (4.8 Star) – Amica’s free iOS app lets you report and track claims, pay your bills, access your digital ID cards, get roadside assistance, and contact the company if you need assistance. Overall, customers are satisfied with the Amica iOS app and the reviews are mostly positive.
• Google Play (4.4 stars) – Amica’s Android app offers the same functionality as the iOS app. However, this app gets a slightly lower rating due to some users complaining about bugs and features that don’t work as advertised.

Progressive

• App Store (3.5 Star) – Progressive customers can download the iOS app and view their policy information, receive ID cards, file a claim, get roadside assistance and make payments directly from their phone. However, many of the iOS users complained about bugs in Progressive’s app as well as slow speeds.
• Google Play (4.1 stars) – The Progressive Android app gives users access to all of the features that are included in the iOS app. However, Android users have many of the same complaints that iOS users have, such as bugs and speed issues. Additionally, many of the negative reviews are actually related to the company itself.

frequently asked Questions

How much does car insurance cost?

The average cost of auto insurance in the United States is $ 1,674 per year for full coverage, which includes liability, collision, full, and health coverage. However, each driver pays a different tariff based on personal factors such as age, creditworthiness and claims history.

What is the best car insurance?

The best car insurance is different for everyone. It all depends on where you live, how much you want to spend, what type of insurance you want, what discounts you can get, and much more.

Where is car insurance required?

Car insurance is required by law in almost every state if you own a registered vehicle. The only two states that do not require traditional auto insurance are New Hampshire and Virginia.

methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and airlines in all 50 states and Washington, DC Coverage Limits:

• $ 100,000 personal injury liability per person
• $ 300,000 liability per accident
• $ 50,000 property damage liability per accident
• $ 100,000 personal injury from an uninsured motorist per person
• $ 300,000 personal injury to an uninsured driver per accident
• $ 500 deductible in case of collision
• $ 500 deductible

To set the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our Basic Profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles a year.

These are sample rates and should only be used for comparison purposes.

Recognition: The tariffs were calculated based on the following insurance levels assigned to our drivers: “bad, average, good (base) and excellent”. Insurance credit ratings are included in your official credit scores, but are not solely dependent on these variables. In the following countries, the credit may not be taken into account when determining car insurance rates: CA, HI, MA

Age: The rates were calculated by evaluating our base profile with the age groups 18-60 (base: 40 years) used. 16-year tariffs were taken into account as an additional cost to their parents’ policy; The tariffs for 18 year olds were calculated as drivers renting their primary residence.

Incident: The rates were calculated by evaluating our base profile using the following incidents: clean record (base), culpable accident, single speeding ticket, single DUI conviction (BAC of> = .08) and expiry of cover.

Bankrate Score

Bankrate scores primarily reflect a weighted ranking of industry ratings for financial strength and customer experience in addition to the average asking prices. A secondary assessment of each vendor’s online and mobile resources and policy management options also contributed to the overall score.

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