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Amica vs Progressive: which is better for car insurance in 2026?

Q: Is Amica or Progressive cheaper?

On average, Progressive. Our benchmark profile pays $2,062/yr with Progressive versus $3,167/yr with Amica — roughly $1105 a year. But that is one profile: a 35-year-old with a clean record and good credit. Change the driver and the order can flip, which is why the only rate that matters is the one you are quoted.

Q: Which handles claims better, Amica or Progressive?

Amica, on the published data. It scores 718/1,000 against Progressive's 673/1,000. Worth keeping in perspective: these are averages across thousands of claims, and a company can score well nationally and still handle one claim badly.

Q: Is Amica better than Progressive overall?

Neither, on our scoring — they finish level. Amica is the better fit for drivers who will pay more for service and expect to file claims; Progressive for price shoppers willing to trade some claims experience for a lower premium. Since the scores tie, price is the sensible tiebreaker, and that means quoting both.

Q: Can I switch from Amica to Progressive mid-policy?

Yes. Auto policies can be cancelled at any time, and most insurers refund the unused premium pro-rata — though some charge a short-rate cancellation fee, so check your policy before you cancel. The one rule worth following: get the new policy bound and in force before you cancel the old one. Even a single day uninsured can count as a coverage lapse, which raises your rate at the next renewal and, in some states, exposes you to a registration penalty.

Amica

Progressive

Across our six scoring categories, Amica comes out ahead in 1, Progressive in 2, with 3 too close to call. On our weighted overall score the two finish within 0.4 of a point — a genuine draw. The right answer here depends less on which company is "better" and more on which one prices your specific profile lower, and that is not knowable without running both quotes. Amica is the stronger pick for drivers who will pay more for service and expect to file claims; Progressive for price shoppers willing to trade some claims experience for a lower premium.

Amica vs Progressive, side by side

Category

AmicaRead the full review

ProgressiveRead the full review

Overall scoreWeighted across the six categories below

PriceAverage annual full-coverage premium · 25% of score

2.0$3,167/yr

Average full coverage vs. $2,356 national average

4.0$2,062/yr

Average full coverage vs. $2,356 national average

Better

Claims satisfactionJ.D. Power 2025 claims study, out of 1,000 · 20% of score

4.0718/1,000

J.D. Power 2025 claims study, segment average 700

Better

2.5673/1,000

J.D. Power 2025 claims study, segment average 700

Complaint recordComplaints relative to company size · 15% of score

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

4.5Fewer than expected

Complaints relative to company size, NAIC data 2022–2024

Financial strengthAM Best Financial Strength Rating · 10% of score

4.5A+

AM Best Financial Strength Rating

4.5A+

AM Best Financial Strength Rating

DiscountsBreadth of published discounts · 15% of score

5.017 published

Discounts on the carrier's own pages · Telematics: StreetSmart

5.016 published

Discounts on the carrier's own pages · Telematics: Snapshot

Digital experienceApp ratings and self-service depth · 15% of score

3.54.82 iOS / 3.2 Android

App Store (7.9K ratings) and Google Play (762 ratings), August 2026

5.04.83 iOS / 4.6 Android

App Store (806K ratings) and Google Play (260K ratings), August 2026

Better

Availability

49 states and D.C. — not available in Hawaii

All 50 states and D.C., direct and through independent agents

Best suited to

drivers who will pay more for service and expect to file claims

price shoppers willing to trade some claims experience for a lower premium

Sources: average premiums from NerdWallet's August 2026 rate analysis (Quadrant Information Services), for a 35-year-old driver with a clean record and good credit in a 2023 Toyota Camry LE at 12,000 miles a year, 100/300/50 limits with $1,000 deductibles — national average $2,356. Claims satisfaction from the J.D. Power 2025 U.S. Auto Claims Satisfaction Study (segment average 700). Complaint record from NerdWallet's analysis of NAIC complaint data, 2022–2024. Financial strength from AM Best. Discounts and app data from each carrier's published pages and the Apple App Store / Google Play, retrieved August 2026. Updated August 2026.

Amica vs Progressive across all six categoriesScored 1–5. Longer is better in every category — the price bar already accounts for cheaper being better.

AmicaProgressive

Category by category

Price

Progressive ahead

Progressive averages $2,062/yr for full coverage against Amica's $3,167/yr — about $1105 a year, or 92.1 dollars a month, in Progressive's favor for this profile.

Amica

$3,167 a year for full coverage, 34% above the national average. Amica is one of the most expensive carriers here, and does not pretend otherwise.

Progressive

$2,062 a year for full coverage, about 13% under the national average and effectively tied with State Farm. Progressive's real pricing story is the discount stack rather than the base rate.

Claims satisfaction

Amica ahead

Amica takes claims satisfaction on 718/1,000 against Progressive's 673/1,000.

Amica

718 out of 1,000, eighteen points above the segment average and seventh overall in the J.D. Power 2025 study.

Progressive

673 out of 1,000 is the weakest claims score in this review — 27 points below the segment average and 70 behind Erie. This is Progressive's clearest weakness.

Complaint record

Too close to call

Neither pulls ahead on complaint record: Amica posts Fewer than expected and Progressive Fewer than expected, a difference too small to choose on.

Amica

Fewer complaints than expected for its size.

Progressive

Fewer complaints than expected for its size, which sits oddly alongside the claims score and suggests the friction shows up in satisfaction rather than in formal complaints.

Financial strength

Too close to call

Neither pulls ahead on financial strength: Amica posts A+ and Progressive A+, a difference too small to choose on.

Amica

AM Best A+ (Superior), affirmed March 2026.

Progressive

AM Best A+ (Superior). No concerns about its ability to pay.

Discounts

Too close to call

Neither pulls ahead on discounts: Amica posts 17 published and Progressive 16 published, a difference too small to choose on.

Amica

Seventeen published discounts — among the longest lists here — including bundling up to 30% and multi-car up to 25%.

Progressive

Sixteen published discounts, more than almost anyone — and unusually, Progressive publishes the average value of most of them rather than hiding behind 'varies'.

Digital experience

Progressive ahead

Progressive takes digital experience on 4.83 iOS / 4.6 Android against Amica's 4.82 iOS / 3.2 Android.

Amica

4.82 on the App Store but 3.2 on Google Play across a small rating base. The platform gap is severe and Android users should set expectations accordingly.

Progressive

4.83 on the App Store and 4.6 on Google Play. Progressive was built direct-to-consumer and the digital experience shows it.

So which one?

Pick Amica if…

You are among drivers who will pay more for service and expect to file claims.
You care most about how a claim actually goes: Amica scores 718/1,000.
Availability fits: 49 states and D.C. — not available in Hawaii.

Read the full Amica review →

Pick Progressive if…

You are among price shoppers willing to trade some claims experience for a lower premium.
Price is your first filter — Progressive averages $2,062/yr for full coverage on our benchmark profile.
You would rather handle everything in an app than on a phone call.
Availability fits: All 50 states and D.C., direct and through independent agents.

Read the full Progressive review →

Amica vs Progressive, answered

The questions people ask before switching between these two.

Is Amica or Progressive cheaper?

Which handles claims better, Amica or Progressive?

Is Amica better than Progressive overall?

Can I switch from Amica to Progressive mid-policy?

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