GEICO vs Amica

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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 Above averageAbove average
User Satisfaction 4.4/54.4/5
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 as well as discounts for federal employees. Moreover, the company 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 QuestionsI made two claims last year. Should I file a third?
If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris.
Which insurance companies will insure a driver without a license?
You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not.
Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?
It's possible that your agent is simply trying to keep your business. However, he may actually be correct.
See More Questions
Should I drop my 25yo son from insurance?
To answer your first question, will removing your son from the policy help decrease your premium, it depends. Some companies are going to charge you because the claim was made on your policy so your rates can still be impacted at renewal, even if you take your son off the policy.
Should I get my insurance company involved or pay for the damage myself if I backed into a tree?
It will ultimately depend on your deductible and the extent of the damage. Unfortunately, backing into a tree will be considered an "at-fault" accident if you file a claim with your insurance company.
See More Questions
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