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.
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:
|Credit level||GEICO avg. annual premium||Amica avg. annual premium|
|Very Poor (300-579)||$2,051||$2,010|
|Very Good (740-799)||$1,120||$1,174|
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.
|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|
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.
|Age bracket||GEICO avg. annual premium||Amica avg. annual premium|
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|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||GEICO||Amica Mutual Insurance|
|JD Power Rankings|
|Other Products||GEICO||Amica Mutual Insurance|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||GEICO||Amica Mutual Insurance|
|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||I 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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