GEICO vs Amica Mutual Insurance Car Insurance

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

Choosing a car insurance company is complex: the rates each insurer offers can vary widely based on your driving record, location, and age, and every company's discounts differ. GEICO and Amica are two of the nation's top insurance companies, offering competitively priced policies across large swaths of the US.

To make insurance shopping seamless, we gathered average rates from Amica and GEICO. These take into consideration a variety of pricing factors, including credit score, driving history, and demographics. Check out the below rates and find an affordable policy today.

Looking for more information? Check out our reviews of GEICO and Amica.


GEICO vs. Amica: insurance rate comparison


GEICO vs. Amica: pricing by credit score

If you have very bad credit, Amica could be the way to go. Typically, Amica offers lower premiums than GEICO for prospective clients with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or higher — should opt for View common insurance costs by credit score for Amica and GEICO:


RATES BY CREDIT SCORE: 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: costs for high-risk drivers

If you've got an at-fault crash, speeding violation, reckless driving violation, or DUI on your résumé, Amica could be a better choice than GEICO. Each car insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer is best for you.


HIGH-RISK INSURANCE RATE COMPARISON: 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

Insurance companies use age as an estimator of risk, assigning rates accordingly. An auto insurance policy is often expensive for teens — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Since every insurance company rates age brackets differently, it's smart to shop around and find the perfect policy for you.

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


RATES BY AGE: Amica VS. GEICO
Age bracketGEICO 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

Affordability 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
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon
4 out of 5
User Satisfaction

N/A

A+

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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.
Recent QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
See More Questions
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GEICO vs Amica Mutual Insurance

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