GEICO vs Amica Mutual Insurance Car Insurance

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GEICO or Amica Mutual Insurance:
Which Company is Best for You?

Picking a car insurance company is complex: every company's rates differ based on your location, vehicle, and driving record, and every company's discounts differ. GEICO and Amica are two of the nation's most popular car insurance companies, providing competitively priced coverage across large swaths of the US.

In an effort to take the sting out of shopping for car insurance, we've gathered average rates from Amica and GEICO. These take into account a variety of rating factors, including credit, driving record, and age. Check out the below rates and find your next car insurance policy today.


Comparing car insurance rates: GEICO vs. Amica


GEICO vs. Amica: pricing by credit score

If you have very bad credit, Amica could be preferable to GEICO. Typically, Amica offers better premiums than GEICO for drivers with credit scores of 579 or less. Drivers with exceptional credit — a score of 800 or higher — should lean toward Check out common insurance rates by credit level for Amica and GEICO below.


CREDIT SCORE INSURANCE RATE COMPARISON: Amica VS. GEICO
Credit levelGEICO avg. annual premiumAmica avg. annual premium
Very Poor (300-579)$2,051$2,010
Fair (580-669)$1,358$1,389
Good (670-739)$1,485$1,352
Very Good (740-799)$1,120$1,174
Exceptional (800-850)$1,064$1,057

GEICO vs. Amica: rates for drivers with bad records

If you have an at-fault accident, ticket, reckless driving citation, or DWI in your recent history, Amica could be a better choice than GEICO. Each car insurance company will handle driving offenses differently, so it's worth comparing quotes to figure out which insurer is best for you.


RATES BY VIOLATION: Amica VS. GEICO
ViolationGEICO avg. annual premiumAmica avg. annual premium
At-fault accident (damage < $1,000)$1,857$1,646
At-fault accident (damage > $1,000)$1,580$1,152
DUI/DWI$2,550$3,356
Reckless driving$2,238$2,761
Speeding ticket$1,395$1,390

GEICO vs. Amica: rates by age bracket

Insurance companies rely on age to indicate risk, pricing policies accordingly. A car insurance policy is usually expensive for drivers younger than 25 — thanks to their inexperience — and more affordable for middle-aged drivers. Because each insurance company rates ages uniquely, it's a smart move to shop around.

As a general rule, teen drivers should choose GEICO instead of Amica: GEICO offers average yearly savings of $1,858, compared to Amica.


RATES BY AGE: Amica VS. GEICO
Age tierGEICO avg. annual premiumAmica avg. annual premium
Teens$3,508$5,366
20s$1,438$1,631
30s$1,218$1,631
40s$1,189$1,151
50s$1,160$1,105
60s$1,065$1,066

Finances aside, there are myriad pros and cons of both GEICO and Amica, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

Discount ComparisonGEICOAmica Mutual Insurance
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonGEICOAmica Mutual Insurance
Financial Strength SuperiorSuperior
JD Power Rankings
3 out of 5
4 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICOAmica Mutual Insurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOAmica Mutual Insurance
AboutGeico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.At Amica Mutual Insurance, you'll be protected with an affordable auto policy that's customized to fit your needs, complete with unbeatable customer service.
Roadside AssistanceYou can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.Amica's roadside assistance program is available 24 hours a day to help with jump-starting a dead battery, changing a flat tire, delivering fuel if you run out of gas, and a towing up to 15 miles to the nearest repair facility.
Additional DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.Amica offers additional discounts for "loyalty", a "tenure" discount for the length of time you were with your prior company, and a legacy discount to drivers under 30 who were covered by Amica on a family member's policy.
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Compare MoreGEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Esurance GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. Progressive GEICO vs. Root GEICO vs. SAFECO GEICO vs. Safe Auto GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAAAmica Mutual Insurance vs. 21st Century Amica Mutual Insurance vs. Allied Amica Mutual Insurance vs. Allstate Amica Mutual Insurance vs. American Family Amica Mutual Insurance vs. Auto Club (AAA) Amica Mutual Insurance vs. Erie Amica Mutual Insurance vs. Esurance Amica Mutual Insurance vs. Farmers Amica Mutual Insurance vs. Foremost Amica Mutual Insurance vs. Infinity Amica Mutual Insurance vs. Liberty Mutual Amica Mutual Insurance vs. Mercury Amica Mutual Insurance vs. MetLife Amica Mutual Insurance vs. Nationwide Amica Mutual Insurance vs. Progressive Amica Mutual Insurance vs. SAFECO Amica Mutual Insurance vs. Safe Auto Amica Mutual Insurance vs. State Farm Amica Mutual Insurance vs. The General Amica Mutual Insurance vs. The Hartford Amica Mutual Insurance vs. Titan Amica Mutual Insurance vs. Travelers Amica Mutual Insurance vs. USAA
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
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GEICO vs Amica Mutual Insurance

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