Progressive vs Amica
A practical comparison of Progressive and Amica car insurance, including coverage options, discounts, safe-driving programs, policy features, and the factors that can affect your final quote.
Progressive vs Amica: At a Glance
Both insurers provide standard auto insurance protection, while their optional features, discount structures and driving-based programs differ.
Progressive
Auto InsuranceProgressive offers liability, uninsured/underinsured motorist, medical payments, personal injury protection in applicable states, comprehensive and collision coverage, plus additional options such as rental reimbursement and loan/lease payoff.
View our Progressive Auto Insurance page →Amica
Auto InsuranceAmica provides liability, collision, comprehensive, uninsured/underinsured motorist, PIP and medical payments coverage, along with optional protections such as roadside assistance, rental reimbursement, GAP and glass coverage.
View our Amica Auto Insurance page →Progressive vs Amica Coverage Comparison
The table below focuses on major auto insurance categories. Availability, limits and policy terms can vary by state.
| Coverage / Feature | Progressive | Amica |
|---|---|---|
| Liability | ✓ Available | ✓ Available |
| Collision | ✓ Available | ✓ Available |
| Comprehensive | ✓ Available | ✓ Available |
| Uninsured / Underinsured Motorist | ✓ Available | ✓ Available |
| Medical Payments | ✓ Available | ✓ Available |
| Personal Injury Protection | ✓ Available in applicable states | ✓ Available in applicable states |
| Rental Reimbursement | ✓ Available | ✓ Available |
| Roadside Assistance | ✓ Available | ✓ Available |
| GAP / Loan-Lease Protection | ✓ Loan/lease payoff option | ✓ GAP coverage |
| Usage-Based / Safe Driving Program | ✓ Snapshot | ✓ StreetSmart |
| Multi-Policy / Bundling Discounts | ✓ Available | ✓ Available |
Coverage and feature availability may vary by state, policy and eligibility. Always review the actual policy documents and quote for the state where the vehicle is insured.
Auto Insurance Coverage: What You Get With Each Company
Liability Coverage
Both companies offer liability coverage designed to help pay for covered injuries or property damage you cause to others, subject to policy limits and state requirements.
Collision & Comprehensive
Progressive and Amica offer collision coverage for covered vehicle damage caused by a collision and comprehensive coverage for eligible non-collision losses such as theft, fire or animal-related damage.
Uninsured & Underinsured Motorist
Both insurers provide uninsured and underinsured motorist protection, subject to state rules, policy terms and selected limits.
Medical Protection
Medical payments coverage is available from both companies. Personal injury protection is also available in applicable states, with specific requirements and benefits determined by state law.
Rental & Roadside Options
Both insurers provide additional options designed to help with transportation after a covered loss and roadside assistance when a covered vehicle becomes disabled.
Vehicle Loan or Lease Protection
Progressive offers loan/lease payoff coverage, while Amica offers GAP insurance designed to help address the difference between a vehicle’s covered value and the remaining loan or lease balance, subject to policy terms.
Progressive vs Amica Discounts
Discounts are one of the areas where individual eligibility can make a significant difference. Neither company’s listed discount is automatically available to every driver in every state.
Progressive Discounts
Progressive lists discounts and savings opportunities for safe driving, multiple policies, multiple vehicles, online quoting, signing documents online and other qualifying circumstances.
Its Snapshot program uses driving information to personalize pricing. Progressive states that Snapshot details and availability vary by state, and driving behavior can affect the resulting rate.
See the Progressive page on Newest Cars Insurance →Amica Discounts
Amica lists discounts related to bundling, multiple vehicles, safe driving, defensive-driver training, students, vehicle safety features and payment methods.
Amica’s StreetSmart program can provide discounts based on driving behavior, while Amica also offers qualifying policyholders different ways to save through bundling and other eligible discounts.
See the Amica page on Newest Cars Insurance →Snapshot vs StreetSmart
Both insurers offer technology-based programs that use driving behavior. The programs have different names, rules and eligibility requirements.
| Program | Progressive Snapshot | Amica StreetSmart |
|---|---|---|
| Purpose | Uses driving information to personalize insurance pricing. | Uses driving information to provide feedback, rewards and potential premium discounts. |
| Driving Factors | Driving behavior, how much you drive and when you drive can be considered. | Includes factors such as hard braking, speeding, road segment type and phone distraction. |
| Potential Savings | Progressive publishes average savings for qualifying participants. | Amica states eligible customers can earn discounts, including up to 20% depending on the program and circumstances. |
| Availability | Not available in every state or situation. | Available only in eligible states and subject to program requirements. |
| Important Consideration | Progressive states that driving results can affect the personalized rate and, in some circumstances, a rate can increase. | Discount eligibility is based on driving information and program rules, with results evaluated over time. |
Which Factors Matter When Comparing Progressive and Amica?
Instead of relying on a single company-wide price comparison, consider how your own driving profile and coverage requirements interact with each insurer.
Safe Driver
Compare the available safe-driving discounts and telematics programs. Progressive Snapshot and Amica StreetSmart use driving information, but their rules and pricing effects are different.
Multiple Vehicles
Review multi-car discounts, household drivers and the way each insurer applies eligible discounts to the policy.
Home & Auto Bundle
If you need multiple insurance products, compare the total bundled cost rather than evaluating the auto premium alone.
Financed Vehicle
Check comprehensive and collision requirements from your lender and compare available loan/lease or GAP-related protection.
Young Driver
Review available student, driver-training and household-driver discounts and obtain quotes using the same coverage limits.
High Coverage Limits
Compare quotes using identical liability limits, deductibles and optional coverages so the premiums are being compared on a similar basis.
Why Progressive and Amica Quotes Can Be Different
There is no universal Progressive vs Amica price
Your actual auto insurance premium can depend on factors including your state, driving history, vehicle, selected coverage limits, deductibles, how the vehicle is used, household circumstances and eligible discounts. Because insurers use their own rating systems, two quotes can differ even when the requested coverage appears similar.
State
Insurance laws, required coverages, limits and available discounts vary by state.
Driving Record
Accidents, claims and traffic violations can affect eligibility, pricing and available discounts.
Vehicle
Vehicle type, repair considerations, safety features and other characteristics can affect an insurance premium.
Coverage Choices
Higher limits, lower deductibles and additional protections generally change the premium quoted for a policy.
How to Compare Progressive and Amica Quotes Correctly
Use the Same Liability Limits
Make sure both quotes use identical bodily injury and property damage liability limits.
Use the Same Deductibles
Compare the same comprehensive and collision deductibles whenever possible.
Match Optional Coverage
Include the same rental, roadside, uninsured motorist and vehicle protection options in both quotes.
Check Discounts
Review which discounts you actually qualify for instead of comparing advertised maximum savings.
Progressive vs Amica FAQ
What is the main difference between Progressive and Amica?
Does Progressive offer a safe-driving discount?
Does Amica offer a safe-driving discount?
Do Progressive and Amica offer comprehensive and collision coverage?
Which company has cheaper car insurance?
Can Progressive and Amica coverage vary by state?
Explore Both Auto Insurance Companies
Review the dedicated company pages on Newest Cars Insurance to learn more about Progressive and Amica before comparing your coverage options.