Compare Amica Mutual vs. Progressive Insurance

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Amica Mutual and Progressive are two of the some of the biggest names in the auto insurance industry. Amica was founded in 1907, and Progressive was founded in 1937. While Amica has excellent follow-up and smooth claims management services, Progressive offers a wide range of driver discounts and rewards for its customers. Though Progressive was ranked the #9 insurer for 2016 on a top-ten list, Amica’s financial strength and J.D. Power ratings stand superior.

However, Amica sometimes has faulty customer service, and a habit of dropping clients from its coverage, while Progressive suffers from low customer-satisfaction scores and often solicits its clients.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Amica Mutual Progressive
Best If Amica Mutual
  • You want a straightforward claims process
Progressive
  • You want discounts and coverage (even for your pet!) or good-driving rewards
Worst If Amica Mutual
  • You’re relying on impeccable customer service
Progressive
  • You don’t want a lot of solicitations

Special Car Insurance Discounts

Amica Mutual Progressive
Amica Mutual

Legacy Discount is available to those under 30 and who have been with Amica under a family member’s insurance policy.

Anti-Theft Devices Discount is awarded to customers who install anti-theft devices like an alarm system, active or passive alarms, or vehicle recovery/tracking systems.

Electronic Stability Control Discount is available if your car has a factory-installed four-wheel electronic stability control system.

Platinum Choice Auto is another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can acquire multiple levels of security for your automobile all in one package. Some of the benefits of Platinum include being able to customize your package policy with individual coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

Progressive

Name Your Price Tool

Progressive’s Name Your Price tool lets you choose the best insurance product for you based on your financial abilities. Finding which insurance policy best fits your budget can be done with the Name Your Price tool in three simple steps.

  1. Name your price: Tell Progressive your preferred monthly premium for car insurance.
  2. Review: Progressive will generate a policy that closely aligns with your price preferences. In addition, it will highlight any areas where you may fall short on coverage.
  3. Purchase: Now that you have the perfect policy, you can buy it and get the savings as well as the protection you need.

Snapshot with Progressive
Snapshot is a small device that plugs into your car’s ODB-II port. It turns on every time you turn on the engine in your car. Once Snapshot installs, it records your driving habits whenever you’re behind the wheel. It then uses what it learns from your driving to determine if you should be paying less for car insurance. Snapshot is a great way for individuals to save money. All you have to do is drive smart. To find out more about Snapshot or purchase one, click here.

Standard Car Insurance Discounts

Bundling Coverage Discounts Amica Mutual Progressive
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Amica Mutual Progressive
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Amica Mutual Progressive
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Amica Mutual Progressive
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Amica Mutual Progressive
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Amica Mutual Progressive
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Amica Mutual Insurance Progressive Car Insurance
2016 29 77
2015 59 153
2014 66 102
2013 61 34

U.S. Auto Insurance Shopping Study (2016)

Amica Mutual Insurance Progressive Car Insurance
Overall Purchase Experience Above average Below average
Policy Offerings Above average Average
Pricing Average Below average
Local Agent Average Average
Call Center Representative Among the best Average
Insurer Website -- Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Amica Mutual Insurance Progressive Car Insurance
Overall Satisfaction Among the best Average
First Notice of Loss Among the best Average
Service Interaction Average Average
Appraisal Among the best Average
Repair Process Average Below average
Rental Car Experience Below average Average
Settlement Among the best Average

Financial Strength Ratings

Amica Mutual Insurance Progressive Car Insurance
A.M. Best A++ A+
Moody's -- Aa2
S&P's A AA

Mobile Apps

Amica Mutual Progressive
Amica Mutual

Amica Mobile lets you access the company’s website from your mobile device. From there, you can make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile here

Progressive

The Progressive App for iPhone or Android stores all your important information regarding your auto insurance policies. The app lets you access your insurance ID cards, policy details, and allows you to make claims or payments. Additionally, The Progressive App connects you with your agent or claims representative, and offers you 24/7 roadside assistance. You can download the app here.

Roadside Assistance

Amica Mutual Progressive
Amica Mutual

Amica Roadside Assistance

Roadside Assistance is available from Amica thru a Towing and Labor coverage add on to your current auto policy. Regardless if you're purchased Towing and Labor coverage, Amica roadside assistance can still help you get service to your vehicle.

Roadside Services Covered

  • Towing (non-accident related)
  • Changing flat tires
  • Jump-start battery
  • Delivering fuel
  • Unlocking doors

Contact Phone Number

You can reach roadside assistance at 866-286-9968 to receive help on the road almost instantly. 

Progressive

Progressive Emergency Roadside Assistance

Progressive Emergency Roadside Assistance is available to drivers who have experienced non-accident related car trouble.

Roadside Services Covered

  • Towing within 15 miles or the nearest repair facility
  • Winching
  • Battery or Jump Start
  • Gas delivery
  • Locksmith service
  • Tire change
  • On scene labor

Note: the number of roadside events Progressive covers in a six-month period may not exceed your policy limit in order for coverage to apply.

Contact Phone Number

Progressive’s Roadside Assistance is available by calling 1 (800) 776-2778. Its website is here.