Amica Mutual vs. Progressive: Which Company is the Best Fit for You?

Quick Facts

• In general, Progressive offers significantly cheaper prices than Amica Mutual
• Progressive has less expensive rates for residents of suburban areas
• Progressive offers more affordable average prices for residents of urban areas

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Amica Mutual vs. Progressive: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering pretty big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Amica Mutual or Progressive as potential options, but between the two, which one has cheaper rates for auto insurance?

As you can see, Amica Mutual has average rates that are about 50% per month more expensive than those from Progressive when looking at the national average rates for insurance.

However, that doesn't mean Progressive will necessarily be more affordable than Amica Mutual for every driver. Auto insurance companies vary their premiums depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and tons of other factors, so rates will vary quite a bit from person to person.

So, if you want to find out which of Amica Mutual or Progressive is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

Amica Mutual or Progressive: Average Car Insurance Rates by State

Amica Mutual and Progressive compete against each other in four states, with Progressive offering less expensive prices to the average driver in all of them. New Jersey has the most noticable difference, where Progressive rates are over 70% cheaper than insurance prices at Amica Mutual.

That being said, there's a lot more that goes into your car insurance bill than just where you call home. Read on to learn more.

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Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance premiums of any group on the road. Typically, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Progressive for their car insurance pay nearly $250 less than those who use Amica Mutual.

That being said, with both carriers, you'll see your premiums decrease significantly once you turn 25. For example, average prices for Amica Mutual policyholders reduce more than $400 and Progressive's rates drop around $300 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you can find.

When looking at Amica Mutual and Progressive specifically, which company is best for retired drivers? Progressive gets the edge, with prices for drivers 65 and older over 60% more affordable than the national average for Amica Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be less expensive for married drivers than they are for single drivers. This usually boils down to married couples having more than one car on their policy -- something a lot of auto insurance companies will reward with discounts.

When it comes to relationship status, Progressive is the clear winner for those who are single, with prices about $165 a month cheaper than Amica Mutual, on average. The advantage is also clear for married policyholders - Progressive offers the most affordable average premiums.

Amica Mutual vs. Progressive: Average Rates by Gender

Men tend to pay more for insurance than women. This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher rates.

On average, women see premiums around $6 per month less expensive with Amica Mutual, and about $5 with Progressive.

When it comes to the cheapest prices for each gender, Progressive comes out as the most affordable option for both genders, with average rates 49% less for men and 50% cheaper for women.

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Amica Mutual or Progressive: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance can be pretty complicated. There are a range of different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability insurance, Progressive generally offers significantly more affordable premiums of $111 compared to Amica Mutual's $210. When it comes to full coverage policies with similar limits, Progressive again has the edge, with policies around $250 a month cheaper than Amica Mutual, on average.

Is Amica Mutual or Progressive Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Amica Mutual policyholders can expect their rates to go up an average of $53 per month if they get a ticket, while Progressive usually raises premiums about $31 a month, on average.

But Progressive is normally the more affordable option for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 31% less expensive for drivers with clean records and 33% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Amica Mutual can expect to see around an $39 -- or about 15% -- increase in their car insurance prices. Drivers who use Progressive for their auto insurance will see a monthly bill around $65 (or 30%) more expensive after reporting a collision to their insurance carrier.

Overall, the more affordable premiums come from Progressive, with monthly prices averaging $214 compared to Amica Mutual Insurance's $254.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than an accident or ticket. Amica Mutual drivers usually see a 69% increase in their auto insurance rates after a DUI charge, while Progressive will normally climb prices by about 16%.

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How does Credit Score Impact Amica Mutual and Progressive Rates?

Did you know that many insurance companies take your credit score into account when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for lots of drivers.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with less expensive premiums.

So, which company offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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Is Amica Mutual or Progressive Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly insurance cost. Usually, the more miles you put on your car, the more you can expect to pay for coverage.

In this case, neither Amica Mutual or Progressive report increasing premiums for drivers with higher annual mileage figures. Even so, Progressive comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average prices of $180 per month for both.

Amica Mutual vs. Progressive: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly auto insurance payment. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer cars on the road in those areas, which lowers the chances of an accident.

When comparing these two carriers side-by-side, Progressive normally comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both companies, but Progressive comes out on top with average prices around $154 per month. Progressive also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a $201 and $169 a month respective difference when compared to Amica Mutual policyholders in similar areas.

Amica Mutual vs. Progressive Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many car insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Below, we've taken a look at all of the different discounts Amica Mutual and Progressive offer their customers so that you can see which carrier can save you the most money each month.

Progressive blows Amica Mutual away when it comes to the sheer amount of discounts available, offering 34 different discounts to Amica Mutual's zero.

A couple of those are overlapping for things like. Progressive also offers ABS discounts, advance quote discounts, advanced safety feature discounts, and more that Amica Mutual does not.

Amica Mutual's discounts come through just.

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Final Thoughts: Is Amica Mutual or Progressive Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which company is the right company for you and your specific driver profile?

Progressive might be best for you if....

• You have a DUI charge on your record.
• You are over 65 years old and want to save some money on your insurance.

Amica Mutual might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Amica Mutual and Progressive. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several companies, not just Amica Mutual and Progressive. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

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Amica Mutual vs. Progressive FAQs

Is Amica Mutual or Progressive cheaper?

Looking just at the national average rates, Progressive is the more affordable of the two companies, offering average rates of $180 per month compared to $359 for Amica Mutual. Even so, Progressive won't necessarily be the most affordable carrier for everyone, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Amica Mutual or Progressive?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Amica Mutual and Progressive offer me different rates?

Auto insurance carriers take a look at several different factors when determining the premiums they charge drivers. Things such as gender, your driving record, age, where your home is, and sometimes even things like your credit score can all come into play. Both Amica Mutual and Progressive calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Amica Mutual or Progressive is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be Amica Mutual or Progressive at all!

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Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.