Progressive vs. Amica: Auto and home insurance bundling

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Although Progressive has cheaper auto and home insurance rates, Amica offers a larger multi-policy discount. So, after applying the larger discount, Amica comes out on top.

When choosing a company for auto and home insurance, rates aren’t everything. While Amica has lower customer and claims satisfaction scores, Progressive has a much higher complaint ratio with the National Association of Insurance Commissioners (NAIC). Both companies have a superior financial rating from AM Best.

It should also be noted that Amica doesn’t sell insurance through agents, so you must buy coverage directly from the company.

Read on to compare Progressive and Amica for auto and home bundling and on the other factors important to choosing the right insurance company.

Key Takeaways

Progressive offers cheaper auto and home insurance before bundling.
Amica provides a larger multi-policy discount, making its bundled home and auto rates cheaper.
Amica has lower customer and claims satisfaction ratings than Progressive.

Insure.com compares Progressive vs. Amica for auto and home bundling

Progressive may be one of the largest insurance companies in the country, but Amica offers a better discount and lower rates when you bundle home and auto coverage. However, Progressive’s individual auto and home premiums are cheaper than Amica’s.

There are also differences in coverage availability. Progressive offers auto insurance in all 50 states and D.C., but it doesn’t provide home insurance in Alaska, Hawaii and D.C. Amica’s auto insurance coverage isn’t available in Hawaii, and its home insurance isn’t available in Alaska or Hawaii.

Insure.com rating comparison for Progressive vs. Amica

While Progressive and Amica rate similarly in customer satisfaction and financial stability, Progressive scores much lower in Insure.com’s overall rating. This is mainly due to its higher NAIC complaint rating of 8.45.

Comparison metrics	Progressive	Amica
Insure.com overall rating	3.43	4.6
Best for	Cheaper individual auto or home rates	Cheaper multi-policy rates
Customer satisfaction rating	4.14	4.0
NAIC rating	8.45	0.23
AM Best rating	A+	A+
State availability	48 states	48 states

Progressive vs. Amica: Pros and cons

Weighing the pros and cons is important when deciding between Progressive and Amica. For example, Progressive has higher customer satisfaction ratings, but Amica has lower multi-policy premiums.

Progressive	Amica
Pros:	Pros:
Cheaper individual auto and home rates	Cheaper bundled auto and home rates
Higher customer and claims satisfaction ratings	Higher multi-policy discount
Cons:	Cons:
High complaint ratio	Lower claims satisfaction rating
Home insurance isn’t available in every state	No local agents

Progressive vs. Amica: Which has the most affordable rates?

Progressive’s auto and home insurance rates are slightly cheaper on average. However, Amica provides a higher discount for bundling policies, making its auto and home insurance more affordable when bundled.

“When comparing insurance rates, it is most important to understand what isn’t covered, what categories have limitations, and if certain types of claims have separate deductibles,” says Zack Pope of David Pope Insurance.

“Examples of something not covered would be flood on a home policy or delivery driving on a personal auto policy (unless listed as acceptable),” he says.

Company	Avg annual auto premium	Avg annual home premium	Total without bundle	Total with bundle	% discount	$ savings
Progressive	$2,586	$2,060	$4,645	$4,245	9%	$401
Amica	$2,621	$2,131	$4,752	$3,924	18%	$828

Progressive vs. Amica: Customer satisfaction

According to Insure.com’s best insurance company rankings, 75% of Progressive customers are satisfied with the coverage and service they receive. The survey found that 71% of Amica customers are satisfied, a difference of only a few points.

Company	Percentage of customers who are satisfied
Progressive	75%
Amica	71%

Progressive vs. Amica: Claims handling

When filing a claim, you must trust your insurance company to resolve claims quickly and easily. While 75% of Progressive customers are satisfied with how their claims are handled, the survey found that 62% of Amica customers are satisfied.

Company	Percentage of customers who are satisfied
Progressive	74%
Amica	62%

Progressive vs. Amica for auto and home bundling: The bottom line

Progressive and Amica are both large insurance companies, covering the majority of states for both auto and home insurance. Progressive offers the opportunity to work with a local independent agent, while Amica doesn’t, which may influence your choice.

Progressive provides cheaper auto and home insurance when purchased individually, but Amica’s larger multi-policy discount makes its bundled auto and home coverage more affordable.

Of course, your rates will vary, so either company may be cheaper for you, and it’s important to consider factors like Progressive’s high complaint ratio and Amica’s lower claims satisfaction rate when making your choice.