Amica vs. GEICO: Which Is the Best? (2025)
GEICO is by far the more affordable option and offers an impressive amount of auto coverage types and bundling opportunities.
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Written byJacqueline DeMarco
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Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Data reviewed byKonstantin Halachev
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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
Amica and GEICO are two of the nation’s largest car insurance companies, and if you’re in the market for new coverage, you may be considering them.
Both insurers offer the potential to save, but GEICO tends to offer much cheaper premiums. With that in mind, it’s always a good idea to compare car insurance quotes from both insurers (and any others you’re considering) to make sure you’re getting the right amount of coverage and the customer service experience you’re looking for at the right price.
This comprehensive comparison of Amica and GEICO can help you see which auto insurance company is the best for you.
Quick Facts
GEICO charges an average of $91 per month for liability-only coverage and $139 for full coverage.
Amica charges an average of $287 per month for liability-only insurance and $432 for full-coverage policies.
GEICO’s Insurify Quality Score is 9.2 out of 10, while Amica’s is 8.6.
Amica vs. GEICO: The verdict
Amica and GEICO offer similar coverage types, but when it comes to cost, GEICO generally has lower rates than Amica. But Amica has 18 different potential discounts, so it’s still worth getting a quote from both companies to see how rates compare.
Factor  | Amica | GEICO |
|---|---|---|
| IQ Score | 8.6 | 9.2 |
| J.D. Power customer satisfaction score | 833 out of 1,000 | 818 out of 1,000 |
| Average quote: liability only | $287 | $91 |
| Number of discounts | 18 | 16 |
| Number of states where it operates | 50 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Amica
Amica (also known as Amica Mutual Insurance) is the oldest mutual insurer of automobiles in the U.S. Operating since 1907, Amica offers a range of insurance products and has won 50 J.D. Power awards.
| 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. | $287/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. | $432/mo |
4.5
Best choiceBased on 169 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 (98)
Dennis
Verified Review
AMICA - A Wonderful Insurance Company
Reviewed in Massachusetts on November 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 2025
Rates are too high.
Jim
Verified Review
Amica Premiums Get High Ratings
Reviewed in Delaware on October 2025
Make sure you include an Amica quote when comparing premiums.
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 Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, life, marine, and more types of insurance in all 50 states. Amica offers flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement. The company has strong financial stability and credit ratings from AM Best, and J.D. Power ranked it No. 1 for claims satisfaction in the U.S. It also receives fewer than average complaints, according to the National Association of Insurance Commissioners Complaint Index.
Pros
Good ratings for customer service and satisfaction
Multiple discounts and coverage options available
Excellent 4.4 Trustpilot score
Cons
Higher-than-average rates for drivers with traffic violations
Limited number of local offices
Doesn’t offer rideshare insurance
GEICO
GEICO boasts assets exceeding $32 billion, and independent analysts affirm its financial strength. GEICO earned an A++ from AM Best (placing it among the top 5% in the property and casualty industry) and an AA+ rating from Standard & Poor’s.[1]
| 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. | $91/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. | $139/mo |
4.0
Best choiceBased on 13,215 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 (6,843)
Jeri
Verified Review
Mediocre
Reviewed in Texas on November 2025
My experience with insurance providers during the past few years has been mediocre. They have all been reluctant to offer discounts for low-mileage drivers, and their customer service is often handled by artificial intelligence or offshore representatives who are not fluent in English.
Meghan
Verified Purchase
Impressed with GEICO's prompt automation
Reviewed on November 2025
I like GEICO's service overall. I totally recommend GEICO insurance.
Christopher
Verified Review
Just Okay
Reviewed in New York on November 2025
My experience has been good; however, they keep raising prices and don't lower their rates for excellent drivers like myself. I pay all this money based on my credit score and not my over 10-year record of never being late, never lapsing, or anything. It's frustrating.
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
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
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Amica StreetSmart vs. GEICO DriveEasy
Both Amica and GEICO have telematics programs that can help you save if you practice safe driving habits.
Amica’s StreetSmart is a free app that assesses your driving habits using sensors to measure factors like hard braking and phone use. If you can improve your driving, you can earn premium discounts and rewards.
GEICO’s DriveEasy tracks your driving and provides insights, stats, and safety tips. If you can maximize your score, you’ll enjoy savings. GEICO promises never to sell your driving data to third-party sources.
Amica vs. GEICO: Which is the cheapest?
The exact monthly premium a car insurance company will offer you depends on many different factors, like the coverage type and amount, your driving record, and your location (down to the ZIP code). But you can generally expect to spend less on car insurance with GEICO compared to Amica insurance.
GEICO’s average rates are more affordable for both liability-only coverage and full-coverage policies. You may pay more than twice those rates to purchase car insurance from Amica.
But remember, cost shouldn’t be your only concern. Before requesting online quotes, read customer reviews to see which car insurance company is easier to work with and investigate each company’s financial strength ratings to get an idea of its financial stability.
You also want to compare coverage types to make sure you get the coverage that matters to you, like accident forgiveness or loss of use coverage, for example. Connect with an independent agent if you need help finding an auto insurer that offers the coverage you’re looking for.
In the sections that follow, you’ll see which offers the cheapest rates based on specific criteria.
GEICO: Cheapest for drivers with a clean driving record
GEICO is by far the cheaper car insurance option for drivers who have a clean driving record and are debating between Amica and GEICO as their insurer.
Driver Type | Amica | GEICO |
|---|---|---|
| Clean driving record | $287 | $91 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with a speeding ticket
If you don’t have a clean record and you have a speeding ticket, you can still expect to spend significantly less with GEICO than Amica.
Driver Type | Amica | GEICO |
|---|---|---|
| Drivers with a speeding ticket | $413 | $122 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for teen drivers
Young drivers spend more on auto insurance than their older and more experienced counterparts. If they choose GEICO over Amica, they can spend a lot less money.
Driver Type | Amica | GEICO |
|---|---|---|
| 18-year-old | $550 | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with bad credit
Having bad credit can result in your paying more for car insurance in some states. If you have poor credit, you’ll save more by choosing GEICO over Amica for your car insurance.
Driver Type | Amica | GEICO |
|---|---|---|
| Drivers with bad credit | $350 | $111 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for senior drivers
Even though senior drivers have a lot of experience behind the wheel, reduced faculties can end up causing trouble on the road. This leads to increased premium prices. Fortunately, senior drivers can save by choosing GEICO over Amica.
Driver Type | Amica | GEICO |
|---|---|---|
| Senior drivers | $204 | $66 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: Amica vs. GEICO
Both Amica and GEICO offer standard car insurance coverage options, like liability-only, comprehensive, medical payments, personal injury protection, and uninsured/underinsured motorist coverage.
But each insurer also offers some insurance policies the other doesn’t. The table below illustrates the unique coverage types and add-ons each car insurance company offers.
Coverage | Amica | GEICO |
|---|---|---|
| Gap | Yes | No |
| Glass repair or replacement | Yes | No |
| Roadside assistance | Yes | Yes |
| Rental reimbursement | Yes | No |
| Rideshare | Yes | No |
| Mechanical breakdown | No | Yes |
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Compare discounts: Amica vs. GEICO
While Amica offers more discounts than GEICO, both companies have an impressive amount of potential savings opportunities available. The number of discounts you qualify for will go a long way toward dictating your overall rate. Just remember that rates from Amica are considerably more expensive to start, on average.
Discount | Amica | GEICO |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | Yes | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | No | Yes |
| Military/affiliation | No | Yes |
| Good student | Yes | Yes |
| Loyalty | Yes | Yes |
| Auto pay | Yes | No |
| Student away at school | Yes | No |
| Homeowner | Yes | No |
| Alternative fuel | No | No |
Amica vs. GEICO FAQs
Still on the fence about whether Amica or GEICO is the best option for your car insurance needs? Here, you’ll find the answers to some frequently asked questions about both insurers.
Who is GEICO’s biggest competitor?
GEICO doesn’t have a single top competitor. Other large insurance companies that offer similar products to GEICO (like homeowners insurance) and are widely available include State Farm, Allstate, Nationwide, Progressive, and Liberty Mutual.
Is Amica Mutual a good insurance company?
Amica Mutual is considered to be a good insurance company, at least when it comes to financial security. This insurer earned an AM Best score of A+ (Superior), which indicates it’s very financially secure and likely to pay out future claims.[2]
What are the main differences between Amica’s and GEICO’s coverage options?
Both Amica and GEICO offer a fairly standard suite of car insurance coverage options, like liability only, full coverage, medical payments, and uninsured/underinsured motorist coverage. The key differences are the fact that GEICO generally has lower rates and Amica has more coverage offerings. For example, Amica offers auto loan or lease coverage, while GEICO doesn’t.
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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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
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.