Amica vs. GEICO: Which Insurance Company Is Better in 2026?
GEICO is by far the more affordable insurer, but Amica has better claims satisfaction.
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Written byBen Luthi
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
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Edited byBecky Helzer
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Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
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Reviewed byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Table of contents
While Amica and GEICO both provide car insurance in nearly every U.S. state, GEICO has a much greater reach. Berkshire Hathaway Group — GEICO’s parent company — has a market share of about 12%, while Amica has a market share of less than 1%, according to the National Association of Insurance Commissioners (NAIC).[1] Additionally, Amica doesn’t offer coverage in Hawaii.
Both insurers offer several discount opportunities, but GEICO provides consistently cheaper premiums. Comparing rates and understanding the differences between each company’s coverages, discounts, and customer satisfaction ratings can help ensure you make the right choice.
Quick Facts
GEICO offers much lower average rates and more discounts than Amica.
GEICO scores below average for claims satisfaction, based on J.D. Power ratings.[2]
Both insurers have high financial strength ratings from AM Best.
Amica vs. GEICO: Our verdict
If your top priorities are competitive rates and excellent financial stability, GEICO is likely a better choice than Amica. Along with receiving AM Best’s highest possible financial strength rating of A++ (Superior), GEICO offers much lower average rates.
That said, Amica could be a better choice if you value a better overall customer experience or want to maximize your savings through a telematics program.
Each company offers more than a dozen car insurance discounts, allowing you to customize your policy for maximum savings. But to ensure you get the cheapest rate and the best coverage for your needs, it’s smart to get quotes from both companies before deciding on a policy.
Amica vs. GEICO
 |  |
|---|---|
Average price Prices based on average across state-minimum and full coverage car insurance $349/mo* | Average price Prices based on average across state-minimum and full coverage car insurance $114/mo* |
Overall rating 4.5 | Overall rating 4.0 |
Value for money 3.5/5 | Value for money 3.8/5 |
Customer service 3.8/5 | Customer service 4.0/5 |
Claims handling 4.1/5 | Claims handling 4.1/5 |
Special highlight 24/7 claims serviceAI-generated from 100 user reviews | Special highlight Teen driversAI-generated from 7215 user reviews |
Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers
Amica: Best for customer satisfaction
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.6 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $267/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $431/mo |
4.5
Best choiceBased on 179 verified guest reviews and ratings
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
How drivers feel about Amica
Customers appreciate the excellent customer service and claims processing but are frustrated by the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
24/7 claims service
Bundling discounts
High customer satisfaction
Reviews (100)
Ronald
Verified Review
Not Happy with Amica
Reviewed in Georgia on December 20, 2025
Too expensive and goes up with every renewal.
Rachel
Verified Review
Typical Bait and Switch
Reviewed in Nebraska on December 5, 2025
Constantly raising rates despite no claims filed and having a perfect credit and driving record.
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 22, 2025
They are terrific. I just wish the premiums were less.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
709NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.57A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Amica may not offer rates as low as GEICO’s, but it has a better track record for positive customer experiences. Trustpilot gives Amica an “excellent” rating based on more than 6,000 reviews, and the company receives an above-average claims satisfaction rating from J.D. Power.
The insurer offers solid coverage options and several discounts to help lower your insurance costs. You can also earn up to 20% off your policy premium through Amica’s StreetSmart telematics program.
Pros
Above-average J.D. Power claims satisfaction ranking
Offers gap insurance
Pays dividends to eligible policyholders
Cons
More expensive rates
Fewer available discounts
Limited telematics program availability
GEICO: Best for competitive rates
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $141/mo |
4.0
Best choiceBased on 14,686 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (7,215)
Donna
Verified Review
Good find.
Reviewed in California on January 28, 2026
They have been great. The best price I could find, since my first insurance went up to over $100.00. So I looked around until I found GEICO.
Ernesto
Verified Review
Less Expensive
Reviewed in Connecticut on January 28, 2026
Cheaper than what you offer.
Gerard
Verified Review
I just started with Geico about six months ago, no issues and better than some other insurance
Reviewed in New York on January 27, 2026
Geico is cheaper than some car insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Compared with Amica, GEICO offers substantially lower rates, on average. With 23 discounts, including military and federal employee savings, GEICO also provides more ways to save.
The insurer’s DriveEasy telematics program is available in just about every U.S. state. GEICO also offers classic car policies and mechanical breakdown insurance, but it doesn’t provide gap insurance.
Pros
Competitive rates
Many available discounts
Highest AM Best financial strength rating
Cons
Below-average J.D. Power claims satisfaction ranking
No dividend policies
Gap insurance not available
GEICO vs. Amica: Which is cheaper?
GEICO consistently offers lower insurance rates than Amica, according to Insurify data. But it’s important to keep in mind that rates can vary depending on where you live, the type of car you drive, the coverage you choose, and your driving history.[3]
The table below shows each company’s average premiums for various scenarios. Rates are for full-coverage policies, unless otherwise specified.
Driver Type  | Amica | GEICO |
|---|---|---|
| Adult drivers | $416 | $138 |
| Liability-only coverage | $267 | $87 |
| Full coverage | $431 | $141 |
| Drivers with a speeding ticket | $630 | $192 |
| Drivers with a DUI | $664 | $203 |
| Drivers with an at-fault accident | $596 | $178 |
| Poor credit drivers | $522 | $171 |
| Good credit drivers | $357 | $107 |
| Teen drivers | $814 | $251 |
| Senior drivers | $305 | $103 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Amica vs. GEICO car insurance discounts
Both GEICO and Amica offer a broad range of car insurance discounts that can help you reduce your insurance costs. But GEICO has a slight edge, offering 23 discounts in total, compared to Amica’s 19.
GEICO can be particularly beneficial for government employees and military service members, offering valuable discounts that Amica doesn’t. In contrast, Amica offers a legacy discount to drivers younger than 30 whose parents have been insured with Amica for at least five years.
Here’s a look at how the two compare when it comes to common car insurance discount opportunities:
Discount | Amica | GEICO |
|---|---|---|
| Safe driver | ✔ | ✔ |
| Defensive driving course | ✔ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-car | ✔ | ✔ |
| Low mileage | ✖ | ✖ |
| Telematics | ✔ | ✔ |
| Anti-theft device | ✔ | ✔ |
| New car | ✖ | ✔ |
| Military/affiliation | ✖ | ✔ |
| Good student | ✔ | ✔ |
| Loyalty | ✔ | ✖ |
| Auto pay | ✔ | ✔ |
| Student away at school | ✔ | ✔ |
| Homeowner | ✔ | ✔ |
| Alternative fuel | ✖ | ✖ |
| Pay in full | ✔ | ✔ |
Compare customer satisfaction and financial strength
Both GEICO and Amica have strong financial strength ratings, but GEICO earns AM Best’s highest A++ (Superior) grade. When it comes to customer satisfaction, Amica tops GEICO in the J.D. Power claims satisfaction study and has a much more favorable standing on Trustpilot.
Over the past three years, the Better Business Bureau (BBB) received more than 2,500 complaints about GEICO, compared to fewer than 150 for Amica. But the NAIC complaint index tells a slightly different story. Here, Amica received slightly more complaints than expected for a company of its size, while GEICO got about half the amount expected.
The table below shows how the two insurers compare.
Score | Amica | GEICO |
|---|---|---|
| IQ Score | 8.6 | 9.2 |
| Customer reviews | 4.5/5 (179 reviews) | 4/5 (14,650 reviews) |
| J.D. Power | 718 (out of 1,000) | 697 (out of 1,000) |
| AM Best rating | A+ (Superior) | A++ (Superior) |
| NAIC complaint index | 1.03 | 0.53 |
| BBB customer ratings | 1.4/5 | 1.11/5 |
Recent customer reviews of Amica car insurance
Insurify collects verified reviews from actual Amica auto insurance policyholders. Below, you’ll find recent feedback highlighting customer experiences with claims and service.
Ronald
Verified Review
Not Happy with Amica
Reviewed in Georgia on December 20, 2025
Too expensive and goes up with every renewal.
Rachel
Verified Review
Typical Bait and Switch
Reviewed in Nebraska on December 5, 2025
Constantly raising rates despite no claims filed and having a perfect credit and driving record.
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 22, 2025
They are terrific. I just wish the premiums were less.
Kevin
Verified Review
All great but prices too high!
Reviewed in Georgia on October 26, 2025
Rates are too high.
…
Recent customer reviews of GEICO car insurance
Insurify requests reviews from drivers who have filed claims or purchased an insurance policy through GEICO. The feedback below reflects how real customers feel about their experience with GEICO’s service.
Donna
Verified Review
Good find.
Reviewed in California on January 28, 2026
They have been great. The best price I could find, since my first insurance went up to over $100.00. So I looked around until I found GEICO.
Ernesto
Verified Review
Less Expensive
Reviewed in Connecticut on January 28, 2026
Cheaper than what you offer.
Gerard
Verified Review
I just started with Geico about six months ago, no issues and better than some other insurance
Reviewed in New York on January 27, 2026
Geico is cheaper than some car insurance.
Norma
Verified Review
Unprofessional
Reviewed in Texas on January 27, 2026
I did not have coverage very long with Geico when, on my way to a doctor's appointment, a truck quickly pulled in front of me, which did not have the right of way. The end result was that I hit the truck in the rear. In exchanging insurance information, I checked his truck over and over for any damages. Finally, he decided there were no damages or scratches. He, in fact, stated to me, "I do not find any damages whatsoever," and said, "I will let my employer know about the accident and notify them that there is no damage to the truck." The next thing I find out, 2-3 weeks later, is that a claim was filed for damages. I called Geico and spoke to an agent. He was surprised I did not know about the claim, as no one from Geico called me to find out the truth of the accident. He said he would have someone from Geico call me. I never got a call, but I received a letter stating a claim was filed and Geico was working on an agreeable amount. It stated they would contact me when settled. I never got said call and have never been asked my version, and it is presumed I am guilty. I actually had the right of way and NO damage was done. I still, to this day, do not know what Geico paid out. This was handled very poorly. Just because I am a senior does not justify not getting the truth of the accident.
…
Amica StreetSmart vs. GEICO DriveEasy
Amica and GEICO both offer telematics programs. These usage-based insurance programs use an app to track driving behavior over a specified period, including hard braking, nighttime driving, speeding, and phone use. After the tracking period ends, you may be eligible to receive lower premiums and discounts for demonstrating safe driving.
Each company provides a 10% discount for enrolling in its program. While the GEICO DriveEasy program caps its discount at 15%, Amica’s StreetSmart program offers up to 20% savings at renewal.
That said, Amica StreetSmart is available in only 27 states, plus Washington, D.C., whereas drivers in 44 states plus Washington, D.C., can sign up for GEICO DriveEasy. Unlike DriveEasy, which is part of GEICO’s main mobile app, Amica StreetSmart requires you to download a separate app to participate in the program.
Good to Know
Telematics programs are different from pay-per-mile programs. While telematics programs monitor your driving behavior, pay-per-mile programs track the number of miles you drive each month.[4] Less driving means a lower premium, and your premium may vary from month to month.
Feature | Amica StreetSmart | GEICO DriveEasy |
|---|---|---|
| Best for | Drivers in eligible states who want a higher discount | Drivers in eligible states who may already be getting lower insurance rates than through Amica |
| Savings potential | 10% initial discount, up to 20% at renewal | 10% initial discount, up to 15% at renewal |
| How it works | Uses your phone to track speed, braking, and phone distractions | Uses your phone to track acceleration, braking, cornering, and phone distractions |
| Availability | 27 states and the District of Columbia (limited availability) | 44 states and the District of Columbia (broad availability) |
| Data tracked | Speed, hard braking, road type, and phone use | Acceleration, braking, cornering, and distractions |
| App rating (App Store/Google Play) | 4.6/4.3 | 4.8/4.5 |
| Average discount for good drivers | Up to 20% | 5%–15% |
| Driver feedback tools | Real-time trip scoring and logs | Real-time trip scoring, tips, and streaks |
| Gamified rewards | ✔ (Users can earn rewards redeemable for gift cards and charitable donations, plus achievements) | ✖ |
| Compatibility | Smartphone app only | Smartphone app only |
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Compare coverages: Amica vs. GEICO
Both insurers offer standard coverages, plus some optional add-ons like roadside assistance, rental reimbursement, and rideshare insurance. One key difference is Amica’s gap insurance, which pays the difference between your loan balance and your vehicle’s actual value in the event of a total loss. GEICO doesn’t offer gap coverage.
On the flip side, GEICO offers mechanical breakdown coverage and insurance for classic cars. Amica doesn’t offer either of these.
Coverage | Amica | GEICO |
|---|---|---|
| Bodily injury liability (BI) | ✔ | ✔ |
| Property damage liability (PD) | ✔ | ✔ |
| Personal injury protection (PIP insurance) | ✔ | ✔ |
| Underinsured/uninsured motorist coverage (UIM/UM) | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Comprehensive | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✖ |
| Classic car insurance | ✖ | ✔ |
| Mechanical breakdown coverage | ✖ | ✔ |
| Rideshare insurance | ✔ | ✔ |
Amica vs. GEICO FAQs
For more information about Amica and GEICO, see below for answers to frequently asked questions.
Which is cheaper: Amica or GEICO?
On average, GEICO offers cheaper rates than Amica. GEICO charges an average of $87 per month for basic liability coverage and $141 per month for full coverage, according to Insurify data.
In contrast, a liability-only policy through Amica averages $267 per month, with a full-coverage policy averaging $177 per month.
Is Amica good at paying claims?
Yes. In the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, Amica was ranked No. 7 in the nation, with a rating of 718 points out of 1,000. It also holds an A+ (Superior) rating from AM Best, indicating its strong financial ability to pay claims.
Who owns Amica Insurance?
Policyholders own Amica Mutual Insurance Company. This means that customers with eligible policies can get up to 20% of their annual insurance premiums back as a dividend.
Which insurance company has the best reputation?
There’s no single best insurance company for everyone. Each company offers different coverage combinations and customer experiences. What’s more, auto insurance policyholders can have completely different experiences from one region to another.
To illustrate, the J.D. Power 2025 U.S Auto Insurance Study ranked Amica No. 1 for overall customer satisfaction in New England, while GEICO and Allstate tied for the top spot in Florida.[5]
Which car insurance company offers the cheapest insurance?
COUNTRY Financial offers the cheapest average rates nationwide, according to Insurify data. But that doesn’t mean it’ll give you the best deal. Before buying an auto insurance policy, it’s a good idea to shop around and compare quotes from different companies to ensure you get the best possible deal.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- National Association of Insurance Commissioners. "Property and Casualty Insurance Industry 2024 Top 25 Groups and Companies by Countrywide Premium."
- J.D. Power. "2025 U.S. Auto Claims Satisfaction Study."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Background on: Pay-as-you drive auto insurance (telematics)."
- J.D. Power. "2025 U.S. Auto Insurance Study."
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Ben Luthi
Ben Luthi has been writing about personal finance for over a decade with the intent to help people improve their finances and lifestyle. He’s covered just about every personal finance topic under the sun for a variety of publications, including the Wall Street Journal, Fortune Recommends, Yahoo Finance, Experian, Credit Karma, NerdWallet, and many more. Ben lives near Salt Lake City with his two kids and two cats.
Becky Helzer is an editor at Insurify. She loves helping writers express their ideas clearly and authentically. With a diverse background in editing everything from curriculum and books to magazine articles and blog posts, she’s worked on topics ranging from home finance, insurance, and cloud computing to the best tools for home improvement.
A proud graduate of Colorado State University with a degree in technical journalism, Becky lives in Fort Collins, CO, with her husband and their two spoiled rescue dogs.
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.