GEICO vs. Amica
Compare rates from the top car insurance companies in your area.
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 level | GEICO avg. annual premium | Amica 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
| Violation | GEICO avg. annual premium | Amica 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 bracket | GEICO avg. annual premium | Amica 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 Comparison | GEICO | Amica Mutual Insurance |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles |
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| Affinity Membership Alum |
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| Advanced Purchase | ||
| Pay in Full |
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| Military |
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| Ratings Comparison | GEICO | Amica Mutual Insurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Average | Excellent |
| User Satisfaction | 4.4/5 | 4.4/5 |
| Other Products | GEICO | Amica Mutual Insurance |
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| Other Features | GEICO | Amica Mutual Insurance |
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| About | GEICO 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 Assistance | You 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 Discounts | GEICO 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 Questions |
Will I get dropped by my insurance company for two totaled cars?
Thank you for reaching out to The Zebra! I'm sorry to hear about your recent accidents. Making claims can be complicated, so I understand your concern.
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive coverage, it should cover any damages caused by debris.
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.
Do I claim my stolen vehicle with Lyft or GEICO?
One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information.
See More Questions
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