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Compare Amica vs. GEICO: Quotes, Discounts (2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Courtney Roy
Written by
Courtney Roy
Photo of an Insurify author
Written by
Courtney Roy
Insurance Writer
Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.
Tanveen Vohra
Edited by
Tanveen Vohra
Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.

Updated August 5, 2022

Amica vs. GEICO: A Summary

Amica and GEICO are two leading names in the auto insurance industry. While GEICO may have far more name recognition, Amica brings over 114 years of experience to the table. Both companies have their strengths and weaknesses. Read Insurify’s car insurance comparison report so you can pick the one you think is best.

Insurance CompanyAvg. Monthly Car Insurance QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
Amica$13495
GEICO$4788
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

ICS Score Explanation:

The Insurify Composite Score (ICS) is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Amica

Amica Mutual Insurance is among America’s oldest car insurance companies with a legacy of superior insurance products and quality customer service that goes back to 1907. The company’s spirit of service has resulted in unique add-ons like the Platinum Choice program that includes accident forgiveness, glass coverage, new car replacement, and vanishing deductibles.

Pros

  • Above-average customer experience and service

  • Opportunity to get money back as a dividend

  • Platinum Choice program offers a suite of extra features

Cons

  • Higher pricing than competitors

  • Lower financial stability ratings

GEICO

GEICO has become a household name for car insurance since opening in 1936. Features like roadside assistance, rental reimbursement, rideshare coverage, and a mobile app have won them millions of customers. With a wide array of discounts and bundles available, customers looking for a deal on their insurance can find what they need.

Good for

  • Extremely competitive auto insurance rates along with more discounts

  • Greater financial stability than many competitors

  • Home and auto insurance bundles for better rates

Not the best option for

  • Slightly less-than-average J.D. Power overall customer and claims satisfaction ranking

  • No loyalty discounts or dividends

Rating AgencyAmicaGEICO
FitchmissingAA-
A.M. BestA+A++
Moody’smissingAa3
S&PmissingAA+
J.D. Power891869
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

The Best Car Insurance Companies in 2022

RankCompany NameAverage Monthly QuoteInsurify Composite ScoreThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1Clearcover
Best Overall
$13597
2Nationwide
Best for Safe Drivers
$19989
3American Family
Best for Families with Teen Drivers
$23489
4Safeco
Best for Drivers with Poor Credit
$18686
5Farmers
Best for Rideshare Coverage
$23985
6Foremost
Best for Hassle-Free Claims
$15982
7Liberty Mutual
Best for Accident Forgiveness
$24182
8Mercury
Best for Face-to-Face Service
$23281
9Progressive
Best for Senior Drivers
$14780
10Travelers
Best for Young Drivers
$16380
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

While neither company made our top 10 list, they still offer best-in-class service in a couple of areas. First, Amica was consistently highly rated and benefits customers who value a stellar customer experience above all. On the other hand, GEICO was among the most cost-effective insurers for policyholders with a clean driving record.

Compare Amica vs. GEICO: Which Is Cheaper?

GEICO is cheaper than Amica for every category we measured across the board. That said, Amica’s business model is to provide superior customer service, so its premiums consistent with an elevated level of service and insurance coverage. However, if your number one value is finding the lowest price possible, GEICO is a better choice.

The Cheapest Car Insurance Companies in 2022

RankInsurance CompanyAverage Cost Per MonthICSThe Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
1USH&C$44Not Rated
2Metromile$63Not Rated
3Direct Auto$64Not Rated
4Travelers$6580
5Kemper$71Not Rated
6Progressive$87Not Rated
7Mile Auto$9185
8National General$9358
9Clearcover$9497
10GAINSCO$94Not Rated
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

GEICO is one of the cheapest car insurance providers, with an average monthly cost of $47 per month. Furthermore, at $47 per month, GEICO is $22 below the national average of $69, representing a yearly savings of $264 per month. Just keep in mind that those numbers are based on averages. Your final insurance cost will be unique to your driver profile.

Compare Amica vs. GEICO Car Insurance by Age

You may have already guessed that your age is a crucial factor in the price of your car insurance. The logic behind using your age comes from the belief that experienced drivers are safer drivers. With that in mind, it’s no surprise that people under age 25 pay the most for car insurance, while drivers with many years behind the wheel pay much less.

If you look closely at the rates for both companies, you’ll see prices generally go down until right after your 50s. Notably, drivers in their 50s enjoy the best rates with both companies. After that, as people get closer to the retirement years, you see the prices start to climb. The oldest drivers still pay about half what the youngest drivers do.

Age GroupAmicaGEICO
Teen$407$113
20s$133$46
30s$141$50
40s$116$40
50s$107$38
60s$139$40
70s$154$54
80s$162$58
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Amica vs. GEICO Car Insurance by Gender

Gender factors into how much you pay for car insurance. Typically, the difference in rates between the sexes is slight, but for some insurance companies, it can be substantial. Statistically, men are riskier drivers than women until they hit their mid-30s. Insurers charge young men a little more because of the added risk.

Amica costs men just a bit more than women, which is true for GEICO. The discrepancy for men is $2 at Amica, corresponding to a 1.5 percent difference. At GEICO, men pay $1 more. While a smaller figure, it’s still a more significant 2.2 percent difference. So for most people, the yearly amount of $12 or $24 won’t be a deal-breaker.

Which is cheapest for men?

GEICO is about a third of the price of Amica for men. At $47 per month, men save $88 per month, or a whopping $1,056 per year, by choosing GEICO instead of Amica. It’s worth mentioning that GEICO is also $23 below the national average, translating to a yearly savings of $276. By contrast, Amica nearly doubles the national average, with a price of $135.

GenderAmicaGEICONational Average
Men$135$47$81
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for women?

For women, GEICO is the way to go. Amica is nearly three times more expensive than GEICO’s $46 price tag. Amica’s $133 per month premium is $87 per month costlier than GEICO, an amount that adds up to an astounding $1,044 per year. Amica is about double the national average of $69, while GEICO beats it by $23 per month.

GenderAmicaGEICONational Average
Women$133$46$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Amica vs. GEICO Car Insurance by Mileage

Usually, drivers who clock more annual miles can expect to pay more for car insurance. The reason is that insurers believe that the more you drive, the higher chance that you can cause an accident. However, the differences can be drastic for some companies, so it’s always wise to get an estimate based on the number of annual miles you put on the odometer.

No matter how many miles you drive, at both Amica and GEICO, your rates are going to be pretty much the same. Perhaps the insurers use a baseline mileage for all their rates regardless of the potential policyholder estimates. Even after looking at the prices for various levels, you may notice that Amica is regularly above and GEICO below the national average.

Which is cheapest for drivers with high mileage?

GEICO is the clear winner for drivers with high mileage. GEICO’s $46 is $23 cheaper than the national average, adding up to savings of $276 per year. Also, GEICO is $87 cheaper than Amica’s $133, which adds up to $1,044 per year. In this case, you’d be saving way more than the promised 15 percent.

Annual MileageAmicaGEICONational Average
15,000-20,000 miles$133$46$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for drivers with low mileage?

Because the rates were identical regardless of annual mileage, GEICO was also the cheapest for low-mileage drivers. The incredible savings of $1,044 per year and monthly savings of $87 still apply for drivers who choose GEICO. The only difference was that the national average was slightly higher for 10,000 annual miles.

Annual MileageAmicaGEICONational Average
5,000 miles$133$46$78
10,000 miles$133$46$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Amica vs. GEICO Car Insurance by Credit Score

Credit scores are used because many studies have shown that higher credit scores correlate with safer driving. But what about those with average or even bad credit? No worries, some companies offer budget-friendly rates to people with less-than-perfect credit. You’ll find some of those providers at Insurify.

Even a glance at the data for Amica and GEICO reveals that both companies follow the general trend of charging those with the best credit the least. The national average follows the same trajectory. Among all the other benefits of having good credit, you can add paying less for car insurance to the list.

Which is cheapest for good credit?

GEICO rolls out the red carpet for drivers with good credit. Its rates are significantly lower than the national average. In fact, those with excellent credit see a $15 per month savings, and those with good credit see a $19 per month savings compared to the rest of the nation. On the contrary, Amica’s rates are more than double the national average at both levels.

Credit TierAmicaGEICONational Average
Excellent credit$112$37$60
Good credit$127$43$71
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest for bad credit?

If you have imperfect credit, you might consider a quote from GEICO. It was $21 per month below the national average for folks with average credit and $38 per month cheaper than the national average for people with poor credit. However, compared to Amica, GEICO was $87 per month cheaper for those with average credit and $112 cheaper for those with poor credit.

Credit TierAmicaGEICONational Average
Average credit$133$46$78
Poor credit$176$64$120
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Compare Amica vs. GEICO Car Insurance by Driving Record

Your past is the best predictor of future driving behavior to insurance companies. That’s especially true when they look at driving records. When you maintain an accident-free driving history with no tickets, you give yourself the best chance to earn a low rate from an insurer. Unfortunately, the reverse is true; numerous mishaps on your record mean a higher price.

With all the technology we have at our fingertips, there have never been more ways to get a ticket. Distracted driving along with tickets and accidents are all violations that can elevate the cost of your auto insurance policy. DUIs are still the most significant offense and carry a national average price of $113 per month, which amounts to a 69 percent increase in the cost of insurance.

Which is cheapest for good drivers?

Good drivers should give GEICO a chance because it’s $87 per month cheaper than Amica. It’s even reasonable compared to the national average and saves drivers $21 per month. Amica’s $133 monthly bill is far from the $46 GEICO charges and is even rather steep compared to the national average.

Driver TypeAmicaGEICONational Average
Drivers with Clean Record$133$46$78
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after a speeding ticket?

Having a speeding ticket on your record makes GEICO look even more attractive. At $220, Amica is nearly four times more expensive than GEICO’s $57. In particular, GEICO beat the national average by $47 per month, savings translating to a respectable $564 per year.

Driver TypeAmicaGEICONational Average
Drivers with Speeding Ticket$220$57$104
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after an accident?

Accidents happen. GEICO is a better choice for car insurance when they do. Amica’s rate of $194 is more than double GEICO’s price of $72 per month. So when you crunch the numbers, you’re looking at $122 per month going back in your pocket. After a year, that’s a breathtaking $1,464, but even if you compare GEICO to the national average, you will still save.

Driver TypeAmicaGEICONational Average
Drivers with Accident$194$72$113
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Which is cheapest after a DUI?

When you have a DUI on your record, you can expect to pay some of the highest rates insurance companies offer. But GEICO is still economical, with a price that sneaks below the $100 mark. Its price is $293 per month, or an impressive $3,516 per year, cheaper than Amica.

Driver TypeAmicaGEICONational Average
Drivers with DUI$387$94$155
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Amica vs. GEICO Car Insurance: What discounts does each offer?

DiscountAmicaGEICO
Airbag
Antilock brakes
Anti-theft
Automatic payments
Claim-free
Continuous insurance/loyalty
Daytime running lights
Defensive driving
Driver affiliation
Driver’s education
Distant student/student away
Good driver
Good student
Multi-policy/multi-line/bundling
Multi-vehicle
New vehicle
Online quote/electronic
Pay in full
Seat belt use

Our Methodology and How We Compared Amica and GEICO

The car insurance quotes provided in Insurify’s insurance company comparison guides are based on the analysis of over 50 thousand insurance quotes from 500 ZIP codes nationwide. Insurify’s data science team performs a comprehensive analysis of factors car insurance providers weigh to calculate rates, including driver demographics, driving record, credit score, desired coverage level, and more to give representative samples.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating calculated by weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers a window into how insurance providers compare to one another in terms of both cost and quality.

Frequently Asked Questions

  • After our data-heavy insurance review, GEICO is the cheaper insurance provider across the board. GEICO’s average monthly rate was $47, which is $86 cheaper than Amica’s average monthly rate of $133 per month. In addition, GEICO beat the national average of $69. However, your rates will always be based on your unique driver profile, including your age, location, and driving history.

  • According to the Insurify Composite Score, our internal rating system that factors in customer satisfaction ratings, reviews, financial strength ratings, and even customer complaints, Amica is the better company. But GEICO’s car insurance rates were far less expensive, so drivers will have to decide if customer service or final cost is most important.

  • The fastest and most efficient way to compare car insurance coverage options is to use a quote comparison tool like Insurify. In a few minutes, you can get 10+ personalized quotes from auto insurance companies like Amica and GEICO alongside others such as AAA, Allstate, Esurance, Nationwide Progressive, State Farm, and USAA.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Courtney Roy
Written by
Courtney Roy

Insurance Writer

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

Learn More
Tanveen Vohra
Edited by
Tanveen Vohra
Linkedin

Editorial Manager

Photo of an Insurify author
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.