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Amica vs. Geico

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  • Amica is a car insurance provider that offers an array of coverage options for drivers in all 50 states.
  • Geico is one of the most well-known insurers in the industry and offers unique and affordable coverage options, like mechanical breakdown insurance (MBI).
  • Read our comparison between these two providers to make the best choice for your auto insurance needs.

Amica and Geico are both well-known in the auto insurance world for being reliable providers with reasonable rates. This article compares Amica vs. Geico directly so you can decide which car insurance company is the best choice for you.

It’s always smart to get quotes from multiple companies before making a decision about coverage. When you’re ready to start comparing personalized quotes from the best auto insurance providers, be sure to use our tool above.

Amica vs. Geico Highlights

Geico and Amica are both national auto insurance providers that offer standard car insurance as well as several add-on options. While Geico performs better when it came to cost, discounts, and customer reviews, Amica also scores well in these categories. Overall, we recommend Geico.

Amica Mutual Insurance is available in all 50 states and is licensed to underwrite home, auto, and life insurance. You probably already know Geico, one of the largest auto insurance companies in the United States. It’s also licensed to write auto insurance policies in all 50 states and offers insurance products including home insurance and renters insurance.

Here’s a preview of what we found when we reviewed Amica vs. Geico auto insurance.

Overall Rating4.44.4
Availability50 states50 states
Customer Service4.44.3
AM Best Financial Strength RatingA+A++
J.D. Power Claims Satisfaction903/1,000874/1,000
Mobile App Google Play Rating3.84.6

Amica vs. Geico: Coverage

When you’re shopping for car insurance, it’s smart to preview each company’s coverage to be sure you’re getting the peace of mind you need. Amica and Geico both provide standard car insurance coverage along with roadside assistance, rental car reimbursement, and accident forgiveness. Beyond that, offerings vary.

Bodily Injury Liability (BI)YesYes
Property Damage Liability (PD)YesYes
Personal Injury Protection (PIP)YesYes
Medical Payments (MedPay)YesYes
Uninsured/Underinsured Motorist (UM/UIM)YesYes
Roadside AssistanceYesYes
Rental Car ReimbursementYesYes
Accident ForgivenessYesYes
Mechanical Breakdown Insurance (MBI)Yes
Rideshare InsuranceYes
Glass CoverageYes
Identity Fraud MonitoringYes

Amica Car Insurance Coverage

  • Glass coverage: If you have a covered auto glass claim, you won’t pay a car insurance deductible.
  • Identity fraud monitoring: This coverage from Amica provides monitoring for your personal and credit information. You’ll be alerted any time unusual activity is detected and will be provided access to a fraud specialist should an issue arise. This protection can be purchased individually or with the Platinum Choice Auto® package.
  • Platinum Choice Auto: The package comes with standard coverage plus accident forgiveness, glass coverage, identity fraud monitoring, and rental car reimbursement.

Geico Auto Insurance Coverage

  • Mechanical breakdown insurance: This protects you from having to pay for repairs to any covered mechanical part of the car after a breakdown.
  • Rideshare insurance: Geico’s rideshare coverage is beneficial for car insurance customers who drive for a rideshare service like Uber and Lyft. It covers your passengers’ medical bills after an accident and includes rental car coverage.

Amica vs. Geico: Cost

On average, Geico has cheaper car insurance than Amica. Drivers with good credit and a clean driving record pay about $1,779 per year on average for full coverage car insurance, while Amica averages around $2,810 per year. However, keep in mind that many factors affect the price of car insurance, including your age, vehicle make and model, driving history, and location. 

Amica vs. Geico Car Insurance Discounts

When comparing Amica vs. Geico, make sure to check which discounts you might qualify for with both companies.

Multiple VehicleYesYes
Multiple PolicyYesYes
Safe DriverYesYes
Vehicle SafetyYesYes
Family DiscountYes
Length of Membership SavingsYes
Homeowners DiscountYes
Pay in FullYes
Good StudentYes
Emergency DeploymentYes
Anti-Lock BrakesYes
Daytime Running LightsYes
Passive RestraintsYes
New CarYes
Defensive DrivingYes
Federal EmployeeYes

Geico has more discounts than Amica, but the important thing is which discounts apply to you. Here are a few discounts we like from both auto insurance companies:

Amica Car Insurance Discounts

  • Amica loyalty discount: If you’ve been with Amica for at least two years, you can save money on your car insurance.
  • Amica family discount: If you’re under 30 and your parents have an Amica insurance policy, you qualify for this auto insurance discount.

Geico Discounts

  • Geico military discounts: As an active-duty or retired military member, you could save money on your car insurance policy from Geico. Additionally, with the emergency deployment discount, you can save up to 25%.
  • Geico vehicle safety discounts: If your car is equipped with vehicle safety features such as anti-theft technology, anti-lock brakes, airbags, and more, you could qualify for discounted car insurance rates.
  • Bundling: Both insurance providers offer a discount for bundling multiple policies together, such as auto insurance and renters or homeowners insurance. That means that if you already have a policy with one of these providers, it is probably cheapest to also get an auto insurance policy through that company.

Amica vs. Geico: Ratings And Reviews

Amica and Geico both have high ratings from the Better Business Bureau (BBB) and AM Best. The BBB rates companies based on sound business practices and transparency, while the AM Best financial strength rating measures the ability to pay out claims. Looking at the results, we can see that both Amica and Geico are reputable car insurance companies.

BBB RatingA+A+
AM Best Financial Strength RatingA+A++

Beyond industry ratings, it’s important to consider the customer satisfaction of current and former policyholders. These reviews help us paint a picture of what it’s like to work with Amica vs. Geico.

Amica Car Insurance Reviews

“I have been [an Amica] customer for about two years, and I recently had a minor claim on my policy. The claims process was straightforward, and the claims team was efficient and professional. Amica paid the claim according to my policy, and I received payment within a couple weeks.”

– Zachary via BBB

“I am an Amica customer, but not for much longer… With this past renewal, they raised my rates by $40 per month (no claims, accidents, etc.), and I see that other companies have much more reasonable rates. That I could overlook, perhaps, but their service is horrible.”

– Jennifer D. via BBB

Geico Auto Insurance Reviews

“I’ve been a customer of Geico for close to 20 years. My kids have had a few accidents, and they have been extremely professional and I have zero complaints about the claims they handled. Their service has been outstanding.”

– Kenneth A. via BBB

“I am a Geico [policyholder], and my parked car was hit by another Geico [policyholder]. When it came time to start the claims process, Geico was not able to get a hold of the responsible party… [I] am told that [if after 30 days] they aren’t able to communicate with the other owner, my claim gets closed and I’m liable to be out the entire cost of my car.”

– Thanh via BBB

Geico vs. Amica: Conclusion

In the end, Amica and Geico are both great choices for car insurance. Each offers high-level auto coverage and has a solid industry reputation. If we have to choose a winner between Amica vs. Geico, we choose Geico for its extensive coverage, low rates, and excellent industry reputation.

Cost And DiscountsGeico
Quotes And Claims ProcessesAmica
Ratings And Customer ReviewsGeico

We recommend getting auto insurance quotes from both companies and comparing your own coverage and prices. To learn more, check out our Geico auto insurance review.

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Best Auto Insurance Companies

We recently reviewed the biggest car insurance companies in the nation, and Geico stood out as the Best Discount Selection. That being said, it’s important to compare coverage from multiple insurers. Your insurance rate is based on a number of factors, so what’s best for your neighbor may not be best for you.

If you’re looking for a few more recommendations for car insurance, check out USAA and Progressive. Both performed highly in our industry review, earning 4.6 and 4.4 stars, respectively.

USAA: 4.5 Stars

After doing our homework, we named USAA the best car insurance for military personnel and their immediate family members.

USAA customers have access to the standard types of car insurance, plus rental car coverage, roadside assistance, and more. There are great discounts for military service members, including up to 15 percent off for parking your vehicle on a military base. Finally, USAA has an impeccable reputation for customer service, topping many J.D. Power studies.

For more information, check out our full USAA insurance review.

Progressive: 4.5 Stars

We found that Progressive is the best insurance provider for accident-prone drivers, including drivers in their 20s and drivers with a DUI on record. Along with standard coverage, Progressive customers can get small and large accident forgiveness, custom parts and equipment coverage, rideshare insurance, and more.

Progressive’s Name Your Price® tool and Snapshot® safe driving program put it ahead of the curve in terms of technology. You can put the price you want to pay into the Name Your Price tool to be matched with Progressive policies that fit your budget. The Snapshot program measures safe driving habits to qualify you for savings.

For more information, check out our full Progressive insurance review.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.