Amica vs Progressive

Compare car insurance for Amica vs Progressive by looking at rates and ratings. J.D. Power rated Amica a 4 out of 5 for overall satisfaction and Progressive a 2 out of 5 for overall satisfaction.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Here's what you need to know...

  • Both Amica and Progressive have a rich history within the insurance industry
  • Car insurance policies are available with Amica in 39 states
  • Progressive has over 450 offices across the U.S.

Comparing Amica vs. Progressive can be tough because they both have unique advantages for their policy holders.

In this article, we’ve provided customer service and factual information about each insurance company in order to make your decision easier.

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Amica Insurance Still Growing After 100 Years

Amica turned 100 years old in 2007. It is the oldest automobile mutual insurance company in the United States. Adolph T. Vigneron established American Mutual Insurance of America (Amica) in Providence, Rhode Island.

Amica was founded as a company owned by its policyholders.

In 1908, Amica paid out its initial dividends and has now continued to pay out dividends on the majority of its policies for all the of years that have followed its beginning.

Today, 3,200 professionals work for Amica within 39 states across the United States. Its headquarters moved, in 1994, to a bigger, corporate campus close to Lincoln, Rhode Island. You can find a lot of information regarding what they charge for their insurance premiums and customer reviews online. Since going digital has picked up speed in the business world, this is an excellent way to look into whether or not you’d feel comfortable with them as an insurer.

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Where does Amica provide insurance?

Amica provides insurance in every state within the United States, excluding Hawaii. Some of its products include:

  • Marine Insurance
  • Homeowners Insurance
  • Personal, Umbrella Liability
  • Life Insurance
  • Annuities
  • Specialty Health Insurance

What is Amica’s customer service like?

J. D. Power & Associates have been researching both quality and satisfaction from millions of customers, worldwide, since 1968. Their studies review insurance companies and other major industries.

In 2015, they conducted the 2015 National Homeowners Insurance Study and the 2015 Auto Insurance Shopping Study.

The study used a scale from one to five. On this scale, one represents “below the rest” and five represents “among the best.”

Here are Amica’s results:

  1. Overall Satisfaction – Homeowners 5, Auto 4
  2. Policy Offerings – Homeowners 5, Auto 3
  3. Pricing – Homeowners 5, Auto 4
  4. Billing and Payment – Homeowners 5
  5. Contacting the Insurer – Homeowners 5
  6. Claims – Homeowners 5

Amica has maintained the “highest customer satisfaction” for national auto insurers for eight years straight. It also has been awarded the “highest customer satisfaction” rating in the National Homeowners Insurers for ten years.

What sort of growth has Progressive seen over the years?

Progressive Insurance was formed by Joe Lewis and Jack Green in 1937. It is based within a suburb of Cleveland that is actually a section of Mayfield Village, Ohio.

Progressive employs 28,000 professionals in over 450 offices across the United States.

In 1994, it exceeded $2 billion dollars in premiums and made $14.6 billion in revenue by 2009.

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What makes Progressive services so unique?

Progressive was the first insurance company to provide these special services:

  • A drive-in service to submit claims
  • Payments made on an installment basis, instead of the industry standard of annual payments
  • A 24/7, “immediate response” service that provides in-person claim service right after a claim is reported
  • Premium comparisons between as many as three competitors by phone and/or on Progressive’s, online website.
  • Management of every aspect of the processing required for claims and repairs

What is Progressive’s customer satisfaction like?

J. D. Power & Associates’ 2015 Homeowners Insurance and Auto Insurance studies also included Progressive. The rating used the same one to five scale described earlier.

Here are Progressive’s results:

  1. Overall Satisfaction – Homeowners 3, Auto 2
  2. Policy Offerings – Homeowners 3, Auto 3
  3. Pricing – Homeowners 3, Auto 2
  4. Billing and Payment – Homeowners 3
  5. Contacting the Insurer – Homeowners 2
  6. Claims – Homeowners 3

Should you buy car insurance from Progressive or Amica?

Well, before you rush to make a snap decision between choosing Amica and Progressive for your auto insurance policy, or any other policy for that matter, make sure that you have done your research. Check with sites like A.M. Best and the Better Business Bureau to read company reviews.

Take a look at what they require from their customers – will they run your credit score or offer you lower rates based on how old you are? And don’t be afraid to find out what sort of coverage they offer to drivers or to personal property, and if they have good customer satisfaction ratings. The financial strength of a company is important if you want to stay with them for many years.

There are many different companies besides just Amica and Progressive, and that includes coverage for drivers if you’re strictly looking for an auto policy.

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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