Progressive vs. Amica:  Auto and home insurance bundling

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.

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.  

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 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.

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.

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.

How to choose the right insurance bundle for you

Finding the right bundle really comes down to what you need most. If you value convenience, bundling home and auto under one insurer can save you time by cutting down on paperwork and giving you a single point of contact for claims. If your top priority is saving money, look closely at the discount being offered and compare it to stand-alone policies — sometimes bundling saves a lot, and other times the savings aren’t as big as they sound.

It also helps to think about your long-term plans. If you expect to add another car, move, or buy a second property, a bundle could make those changes easier to manage. On the other hand, if you like to shop around every renewal, you’ll want to make sure a bundle doesn’t limit your flexibility.

Pros and cons of bundling home and auto insurance

Bundling comes with some clear upsides. You can often qualify for a solid discount, and managing your policies through one company makes life simpler. You might even get perks like a single deductible if the same event damages both your home and car.

But there are trade-offs to keep in mind. Bundling can sometimes lock you in with one insurer, even if their rates creep up over time. And while the discount is nice, it’s not guaranteed to be the lowest price available — splitting policies with two different insurers could still come out cheaper.

Bundling is worth considering, but it’s smart to compare bundled and separate quotes before you decide.

What to know before bundling home and auto insurance

Before you commit, take a close look at the details. Ask how much the bundle actually saves compared to buying policies separately, and check whether that discount lasts beyond the first year. It’s also worth asking about claim handling — some insurers make bundled claims smoother, while others keep the processes separate.

Don’t forget to review coverage itself. A bundle should still meet your needs for both home and auto, not just deliver a discount. If one policy looks weaker than what you could get elsewhere, the bundle may not be the better deal.

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.

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