Amica vs GEICO Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Ratings

Insurify Composite Score

Amica
95
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Insurify Composite Score

GEICO
88
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Insurify Composite Score

Amica VS GEICO
95
88
What is this?
User Ratings
OptionsAmica GEICO
Rating/Reviews
251 reviews
3,736 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmica GEICO
Call Center RepresentativeAbout averageAbout average
Insurer WebsiteAbout averageAmong the best
Local AgentAmong the bestThe rest
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostBetter than most
PricingBetter than mostBetter than most
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmica GEICO
Claim ServicingAmong the bestBetter than most
Estimation ProcessBetter than mostBetter than most
First Notice of Loss (FNOL)Among the bestBetter than most
Overall SatisfactionAmong the bestBetter than most
Rental ExperienceAbout averageBetter than most
Repair ProcessBetter than mostAbout average
SettlementAmong the bestBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionAmica GEICO
California--807 pt
About average
Central--838 pt
Better than most
Florida--832 pt
Better than most
Mid-Atlantic--848 pt
Better than most
New England879 pt
Among the best
827 pt
About average
New York--813 pt
About average
North Central--830 pt
About average
Northwest--805 pt
About average
Southeast--839 pt
About average
Southwest--798 pt
The rest
Texas--816 pt
The rest
Mobile App Ratings
RegionAmica GEICO
Android
361 Reviews
147,062 Reviews
iOS
9 Reviews
446,400 Reviews
Financial Ratings
OptionsAmica GEICO
A.M. BestA+A++
Fitch--AA-
Moody's--Aa3
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityAmica GEICO
Austin--$59
Chicago--$67
Philadelphia--$88
Phoenix--$38
Santa Monica--$48

For Single Drivers

CityAmica GEICO
Austin--$62
Chicago--$68
Philadelphia--$92
Phoenix--$44
Santa Monica--$129

For Male Drivers

CityAmica GEICO
Austin--$59
Chicago--$71
Philadelphia--$92
Phoenix--$42
Santa Monica--$123

For Female Drivers

CityAmica GEICO
Austin--$62
Chicago--$64
Philadelphia--$87
Phoenix--$40
Santa Monica--$53

For Drivers with Speeding Ticket

CityAmica GEICO
Austin--$74
Chicago--$92
Philadelphia--$128
Phoenix--$64
Santa Monica--$141

For Drivers with No Speeding Ticket

CityAmica GEICO
Austin--$58
Chicago--$62
Philadelphia--$84
Phoenix--$36
Santa Monica--$77

For Drivers Age Between 18-40

CityAmica GEICO
Austin--$63
Chicago--$71
Philadelphia--$98
Phoenix--$45
Santa Monica--$149

For Drivers Age Between 40-65

CityAmica GEICO
Austin--$54
Chicago--$61
Philadelphia--$79
Phoenix--$35
Santa Monica--$40

For Drivers Age of 65+

CityAmica GEICO
Austin--$75
Chicago--$78
Philadelphia--$99
Phoenix--$48
Santa Monica--$41

For Drivers with Average Credit

CityAmica GEICO
Austin--$68
Chicago--$70
Philadelphia--$94
Phoenix--$43
Santa Monica--$76

For Drivers with Fair Credit

CityAmica GEICO
Austin--$71
Chicago--$74
Philadelphia--$104
Phoenix--$43
Santa Monica--$56

For Drivers with Good Credit

CityAmica GEICO
Austin--$55
Chicago--$66
Philadelphia--$84
Phoenix--$37
Santa Monica--$60

For Drivers with Excellent Credit

CityAmica GEICO
Austin--$48
Chicago--$60
Philadelphia--$77
Phoenix--$41
Santa Monica--$161

Quotes & Discounts

Discount typeAmica GEICO
Multiple Vehicle DiscountUp to 25%Varies
Anti-Theft Device DiscountUp to 15%Up to 25%
Good Student DiscountUp to 10%Up to 15%
Low Mileage DiscountUp to 10%--
Multiple Policy DiscountUp to 10%Varies
Student Away at School DiscountUp to 10%--
Anti-lock Brake DiscountUp to 5%Up to 5%
Accident ForgivenessVaries--
Claims Free Renewal DiscountVaries--
Defensive Driver DiscountVariesVaries
Driving training discountVariesVaries
E-billing DiscountVaries--
Electronic Stability ControlVaries--
Family DiscountVaries--
Good Driver DiscountVariesUp to 26%
Loyalty DiscountVaries--
Paid in full discountVaries--
Paperless documents discountVaries--
Preferred payment discountVaries--
Provider Switch DiscountVaries--
Accident Free Discount--Varies
Daytime Running Lights Discount--Up to 3%
Emergency Deployment Discount--Up to 25%
Federal Employee Discount--Up to 25%
Military Discount--Up to 15%
Organization Discount--Varies
Passive Restraint Discount--Up to 25%
Seat Belt Use Discount--Up to 15%
Senior Adult Discount--Varies
teenSMART Discount--Varies

Payment Methods

Discount typeAmica GEICO
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
--yes
Mail Payment
yesyes
Mobile App Payments
--yes
Multi-Payment Installment Plans
--yes
Online Payment
yes--
Phone Payment
yesyes

Features and Services

Features and ServicesAmica GEICO
24/7 serviceyesyes
Accident forgivenessyesyes
Diminishing deductibleyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient paymentsyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyesyes
Text and email alertsyesyes

Optional Coverages

Optional CoveragesAmica GEICO
Accident Forgiveness
yesyes
Accidental Death, Dismemberment, Disability
yes--
Airbag Replacement Coverage
yes--
Comprehensive Claim Forgiveness
yesyes
Electronic Key & Lock Replacement
yes--
Glass Coverage yes--
Incident Forgiveness
--yes
Mechanical Breakdown Insurance
--yes
No Fault Coverage
--yes
Platinum Choice Auto
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yesyes

Online Quoting by State

  • Amica
  • GEICO
  • Both

Uber and Lyft driver insurance

  • Amica
  • GEICO
  • Both

SR‌-22 Insurance by State

  • Amica
  • GEICO
  • Both

Compare Insurance Products

ProductAmica GEICO
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insuranceyesyes
Identity Theft InsuranceIdentity Theft Insurance--yes
Jewelry InsuranceJewelry Insurance--yes
Life InsuranceLife Insuranceyesyes
Marine InsuranceMarine Insuranceyes--
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insuranceyesyes
Ridesharing InsuranceRidesharing Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insuranceyes--
Travel InsuranceTravel Insurance--yes
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Amica Reviews
  • GEICO Reviews
3.6
5 Stars
57 %
4 Stars
6 %
3 Stars
7 %
2 Stars
4 %
1 Star
26 %

Most Positive Review

By Billy
I've NEVER NEVER EVER HAD NO BAD EXPERIENCE WITH ( AMICA ) They've always been kind with the local office an the outside customer service operators when I've ever had a question about my policy. I'm not really looking to change to somewhere else. I do get curious at times just to see if anyone else is cheaper than Amica, so far no one else has been able to beat Amica so I'm sticking with Amica. Thank You For Having the Best an Greatest Coverage on my vehicle an home. Keep up the GREAT WORK :)

Most Critical Review

By Lauren
If I could give zero stars, I would. We spoke with a representative [Michael Young] and he got us set up for a policy on a house we're planning to close on. We waited for confirmation on the policy, and waited, and waited. As the closing date approached, we received a call from him saying to give him a call back, no big deal. We did, no return call. Tried multiple times over the next four days. Nothing. Sent emails, called again. Find out through another call [again still can't get a hold of Michael] that they just need confirmation that we'll handle a small bit of left over mold [which our inspector said was not a problem] withing 30 days of closing. Sure thing! We'll handle that. Meanwhile, our loan officer is trying to get a hold of them as well to finalize details. Finally get a call TWO DAYS before closing to hear they will not be able to insure us. Thanks AMICA for making home buying so stressful! We'll be sure to let everyone know how "helpful" you are.

All Reviews

Showing 1 - 10 out of 251 Reviews
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Read reviews that mention

Cheryl
The service
Justin
Ronnie
To get a cheaper rate.
Jerome
Jerome
hong
Good company ! I was a customer of Amica for 10 + years. I had both auto and home insurance with them. They always always great! Very professional ! Good service
DavidNC
Bought a house last year in Wilmington, NC and insured it with Amica as they had the best premium price for my older home. Hurricane Florence rolled through last fall and now they are trying up my premiums by more than 50% because I made a legitimate claim. Basically they are more or less trying to drop me for fulfilling their obligations. Other people in the area who made claims are experiencing only very minor increases in their insurance rates, or none at all.
Frank T
5 renewal Policies where cancel because over the years the cost increased so much and I had no claims it force me to go out and get it quoted what a surprise I got, I been getting screwed badly, I spoke with Amica 3 times on the phone, cancelation letters were mailed from the new insurance company, I know Amica got the cancelation letters because they called me 3 times to letting me know that after the current Policies expired I was not going to be covered with Amica. The day after the 5 Policies expired my checking account was charger, I never signed the renewals they got cancelation letters and still got withdraw from my account, when I called they confirm everything was canceled and they would mail me a check, this is not acceptable first the withdrawal should of never happen and now I have to wait for a check to be mailed and waste time cashing a check. Let’s hope next month I don’t get charged again. Is unbelievable how fast they can take money out of your account but to pay you back you need to wait.
Alec
Never told you would not renew his insurance
Christian L
Amica used to be good but as of late they are absolutely horrific. Their insurance agents go back on what they say, making changes without informing both parties on the account of the changes like they say they have to. Going through a divorce is stressful enough but having Amica make up rules as they go along doesn't make things easier or any less stressful. No matter what information they were given they went against it 100% and never actually contacted me when changes were made by my exwife. Now, they are claiming that they had consent to make said changes. From who? My exwife made all the changes without my consent. After speaking with a ********* of a representative, I asked to speak to a manager. They are all at lunch yet supposedly their lunches are staggered so there is always a manager free. Absolutely awful company that leaves a very sour taste in your mouth. If you want to get screwed over by a car insurance company (more so than other insurance companies), go with Amica. If you want someone honest, go somewhere else don't waste your time. I will NEVER go back to Amica. They are absolutely horrible.
Showing 1 - 10 out of 251 reviews