Amica vs. GEICO: Which Is the Best? (2024)

GEICO is by far the more affordable option and offers an impressive amount of auto coverage types and bundling opportunities.

Jacqueline DeMarco
Jacqueline 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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Chris Schafer
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Chris Schafer
Chris SchaferSenior Editor
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  • 7+ years in business and financial services content

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
  • 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.

Updated March 14, 2024

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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 $54 per month for liability-only coverage and $119 for full coverage.

  • Amica charges an average of $178 per month for liability-only insurance and $290 for full-coverage policies.

  • GEICO’s Insurify Quality Score is 4.2 out of 5, while Amica’s is 3.8.

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.

FactorAmicaGEICO
IQ Score3.84.2
J.D. Power customer satisfaction score833 out of 1,000818 out of 1,000
Average quote: liability only$178$54
Number of discounts1816
Number of states where it operates5050
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

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.

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
862
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.
$178/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.
$290/mo

Amica Mutual Insurance Company launched in 1907, making it the oldest mutual insurer offering car insurance in the U.S. Amica offers auto, homeowners, personal excess liability, and marine insurance. As a mutual company, Amica distributes dividends to policyholders, rather than shareholders. The company has A+ ratings from A.M. Best for financial stability and credit, and was the highest-ranked insurer for customer satisfaction in New England according to J.D. Power. Amica offers numerous discounts to help drivers save, and flexible coverage options, including gap insurance, roadside assistance, and rental reimbursement.

Pros
  • Good ratings for customer service and satisfaction

  • Multiple discounts and coverage options available

Cons
  • Higher-than-average rates for drivers with traffic violations

  • Limited number of local offices

Amica is a great company with great prices.

John - September 11, 2023
Verified

Nice company, but their prices go up all the time.

Donna - August 13, 2022
Verified

They’re always there, there are no hoops to jump through and they have helpful employees.

Jean - June 5, 2022
Verified
Read our Amica review

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]

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IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$54/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.
$119/mo

A highly recognizable name in car insurance, GEICO is a subsidiary of Berkshire Hathaway. The company started out as the Government Employees Insurance Company, serving U.S. government workers and military personnel. In addition to auto insurance, GEICO also sells homeowner, flood insurance, life insurance, business insurance, and identity protection, among other products. A.M. Best gives GEICO its highest rating for financial stability and credit. However, GEICO has nearly twice as many complaints as expected in the National Association of Insurance Commissioner’s Consumer Complaints Index.

Pros
  • Good rates for good drivers, seniors, and young drivers

  • Accident forgiveness available

Cons
  • High rates for drivers with certain violations, like DUIs

  • No rideshare or new car replacement coverage available

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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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 TypeAmicaGEICO
Clean driving record$178$54
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 TypeAmicaGEICO
Drivers with a speeding ticket$270$62
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 TypeAmicaGEICO
18-year-old$264$74
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 TypeAmicaGEICO
Drivers with bad credit$211$63
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 TypeAmicaGEICO
Senior drivers$127$41
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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.

CoverageAmicaGEICO
GapYesNo
Glass repair or replacementYesNo
Roadside assistanceYesYes
Rental reimbursementYesNo
RideshareYesNo
Mechanical breakdownNoYes

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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.

DiscountAmicaGEICO
Clean driving recordYesYes
Defensive driving courseYesYes
Multi-policyYesYes
Multi-carYesYes
Low mileageNoNo
Telematics (safe driving app)YesYes
Anti-theft deviceYesYes
New carNoYes
Military/affiliationNoYes
Good studentYesYes
LoyaltyYesYes
Auto payYesNo
Student away at schoolYesNo
HomeownerYesNo
Alternative fuelNoNo

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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. AM Best. "AM Best Affirms Credit Ratings of GEICO Corporation and Majority of Members of GEICO." Accessed February 9, 2024
  2. AM Best. "Amica Mutal Insurance Company." Accessed February 9, 2024
Jacqueline DeMarco
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.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 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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