Cheapest company - GEICO
Best customer service - Amica Mutual
Best unique coverages - Amica Mutual
Best for financial stability - GEICO
Best online tools - GEICO
Compare GEICO vs. Amica Mutual to Find Out Which Is Best for You
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
Updated: 12/28/2023
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Verdict
For the average driver, GEICO is cheaper than Amica. However, Amica has better customer service scores, which is a mix of satisfaction and complaints. Amica also has more unique coverage options than GEICO to customize your car insurance.
For drivers with violations and young drivers, GEICO typically has cheaper rates than Amica. New car owners and those worried about identity theft can purchase add-on car insurance coverage with Amica, which GEICO doesn't offer.
For all the driver types MoneyGeek compared, GEICO is cheaper than Amica, but Amica has higher satisfaction scores and fewer complaints.
Is GEICO or Amica Mutual Cheaper Overall?
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Overall, GEICO is cheaper than Amica. The national average annual rate for GEICO auto insurance is $1,047, while Amica’s rate for the same coverage is $1,262 per year.
The amount you pay for auto insurance can vary dramatically based on where you live. Your personal characteristics — like how old you are, your driving and claims history and your credit score — are also used to determine the cost of car insurance.
The rate comparison data used is for a 40-year-old male sample driver with no tickets or violations on his driving record. Coverages include 100/300/100 liability limits with comprehensive and collision coverages, both set at a $1,000 deductible.
Is GEICO or Amica Mutual Cheaper in Your State?
GEICO is cheaper than Amica in most states. Individual state pricing varies widely and could be different from national average rates.
For the five states that MoneyGeek has data on both company’s insurance rates, GEICO is cheaper in three, and Amica is cheaper in two. GEICO sells insurance to all 50 states and Washington, D.C. If you'd like to see which company may offer you a lower quote, use our car insurance cost calculator to get a personalized quote.
Average Cost Per State
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State
GEICO Annual Premium
Amica Mutual Annual Premium
Alabama
$827
Not Available
Alaska
$882
Not Available
Arizona
$770
Not Available
Arkansas
$866
Not Available
California
$1,270
Not Available
Colorado
$872
Not Available
Connecticut
$925
$1,375
District of Columbia
$606
Not Available
Is GEICO or Amica Mutual Cheaper for Your Age and Driving History?
Insurance companies use several factors to determine auto insurance premiums. Your age, driving history and credit score are some of the most influential criteria used to create your unique auto insurance premium. Overall, GEICO is cheaper than Amica auto insurance in all driver categories we compared:
- GEICO is cheaper for an 18-year-old student driver.
- GEICO is cheaper for a driver with a ticket.
- GEICO is cheaper for a driver with an at-fault accident.
- GEICO is cheaper for a driver with a DUI.
- GEICO is cheaper for a driver with poor credit.
To find the cheapest car insurance company for your driving profile, be sure to get several quotes for the same coverage from different providers.
Average Car Insurance Rates by Driver Profile
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Driver Profile
GEICO Annual Premium
Amica Mutual Annual Premium
18-Year-Old Student
$3,164
Not Available
Driver With a Ticket
$1,265
$1,431
Driver With an Accident
$1,494
$1,683
Driver With a DUI
$2,680
$3,588
Driver With Poor Credit
$1,681
$2,027
GEICO vs. Amica Mutual: Which Is Better for Discounts?
Most insurance companies offer discounts, but the final amount you pay for coverage is more important than the number of discounts you can apply. The most significant discounts for auto insurance are the home and auto bundle and usage-based insurance programs. Amica is better than GEICO when it comes to its home and auto bundle but doesn’t offer behavior or usage-based driving programs.
Among the top insurers, the average discount is 17% for the home and auto bundle. GEICO does not list its home and auto bundle discount, which varies by the type of home insurance you purchase. Amica offers up to 30% savings on the home and auto bundle, with higher savings for more policies purchased.
Some insurance companies offer usage and behavior-based auto insurance programs. If you participate in these programs, you can get a discount for allowing your provider to track your driving behaviors, miles driven, or both.
Amica does not offer a behavior or usage-based driving program. GEICO’s DriveEasy program is both behavior-based and usage-based. Drivers are rewarded for safe habits and penalized for risky driving behaviors. How much you can save depends on where you live.
While GEICO’s bundling discounts may not be as high as Amica’s, Amica doesn’t offer drivers behavior or usage-based savings opportunities. Because Amica lacks these coverage options and GEICO’s overall rates before discounts are lower, GEICO wins out in this category.
Available Discount by Company
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Discount
Available With GEICO?
Available With Amica Mutual?
Air bag
✔
✔
Anti-lock brakes
✔
Anti-theft system
✔
✔
Daytime running lights
✔
New vehicle
✔
Safe driving
✔
✔
Seat belt use
✔
Defensive driving
✔
✔
GEICO vs. Amica Mutual: Which Has Better Customer Service?
MoneyGeek uses third-party data provided by J.D. Power and the National Association of Insurance Commissioners (NAIC) to measure how satisfied customers are with their car insurance company. Of the two companies, Amica has the highest customer satisfaction rating and lowest complaints ratio, making it the clear winner in this category.
GEICO vs. Amica Mutual: Customer Satisfaction Rating
MoneyGeek uses data from J.D. Power to assess consumers' satisfaction with their insurance provider. J.D. Power rates customer satisfaction on a 1,000 point scale. GEICO scored 843 and Amica 860, making Amica better than GEICO for customer satisfaction. Amica scores higher in the following categories:
- First notice of loss
- Repair process
- Claims servicing
- Settlement
First Notice of Loss:
4/5
Estimation of Process:
4/5
Repair Process:
4/5
Claims Servicing:
4/5
Rental Experience:
5/5
Settlement:
4/5
First Notice of Loss:
5/5
Estimation of Process:
4/5
Repair Process:
5/5
Claims Servicing:
5/5
Rental Experience:
4/5
Settlement:
5/5
GEICO vs. Amica Mutual: Customer Complaint Ratio
When it comes to the NAIC customer complaint ratio, the lower the score, the better. The average complaint ratio score is 1.0 for the auto insurance industry. Amica’s auto insurance score is 1.34, and GEICO’s is 2.04, meaning that GEICO customers are almost twice as likely to file a complaint than Amica customers.
GEICO vs. Amica Mutual: Coverage Options
All auto insurance companies offer a set of common coverages: Some of these are legally required, and others are optional. These standard coverages include liability, comprehensive, collision, personal injury protection (PIP) and uninsured motorist coverage.
Both companies offer all the standard coverages, but Amica has a broader range of add-on coverages you can use to customize your car insurance. Drivers with a new car may benefit from Amica’s new car replacement or gap insurance coverage. The company also allows you to add identity theft coverage, which helps you safeguard your identity with alerts and help in resolving fraud cases.
Coverage Options by Company
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Coverage
Available With GEICO?
Available With Amica Mutual?
Rental Car and/or Travel Reimbursement
✔
✔
Roadside Assistance
✔
✔
Mechanical Breakdown Insurance
✔
Accident Forgiveness
✔
✔
Rental Car and/or Travel Reimbursement
✔
✔
Roadside Assistance
✔
✔
New Car Replacement
✔
Accident Forgiveness
✔
✔
GEICO vs. Amica Mutual: Which Is More Financially Stable?
A car insurance company’s financial stability rating is a crucial and often overlooked factor to consider when choosing a provider. This rating reflects a company’s ability to pay out claims. If you have to file a claim, you want to make sure your provider can pay it promptly and in full.
Most large insurers have a high financial rating, and Amica and GEICO are no exception. GEICO’s score is better than Amica’s, with a superior A++ rating compared to Amica’s A+. However, both companies have high ratings, so either shouldn’t have issues paying claims.
GEICO vs. Amica Mutual: Online Tools
When it comes to online tools, GEICO has a more robust offering than Amica. GEICO has one of the best mobile apps for customers, plus an entire section of the website dedicated to information you can use to make informed insurance decisions.
Amica’s website is lacking except for its claim center, though it does offer a mobile app to access policy information, pay bills and make claims.
Methodology
Data on car insurance rates comparing GEICO and Amica are for a 40-year-old male with a full coverage car insurance policy, unless otherwise noted. The policy includes:
- $100,000 on bodily injury liability insurance per person
- $300,000 on bodily injury liability insurance per accident
- $100,000 on property damage liability insurance per person
- Comprehensive and collision insurance with a $1,000 deductible
To evaluate available coverages, discounts and online tools, MoneyGeek collected information from insurer websites and quote tools. To score insurance companies on customer satisfaction and customer complaints, MoneyGeek referenced publicly available data from J.D. Power and the National Association of Insurance Commissioners (NAIC). Financial stability was measured using financial strength ratings from A.M. Best, a leading insurance credit rating agency.
About Mandy Sleight
Mandy Sleight is a licensed property, casualty, life and health insurance agent with 20 years of experience in the industry. She has worked for major insurance companies like State Farm and Nationwide, and most recently as the Operations Coordinator for a startup employee benefits company.
Sleight holds a business administration and management degree from the University of Baltimore and a master's in business administration from Southern New Hampshire University. She uses her vast knowledge of insurance and personal finance to create easy-to-understand and engaging content to help readers make smarter choices with their budgets and finances.
sources
- GEICO. "GEICO's Story From the Beginning." Accessed October 4, 2021.
- Amica. "Amica Mobile App." Accessed September 29, 2021.
- Amica. "Car Insurance Discounts." Accessed September 29, 2021.
- Amica. "Claim Center." Accessed September 29, 2021.
- GEICO. "Browse the GEICO Insurance Information Center." Accessed September 29, 2021.
- GEICO. "Car Insurance Discounts." Accessed September 29, 2021.
- GEICO. "DriveEasy." Accessed September 29, 2021.
- GEICO. "GEICO Mobile App." Accessed September 29, 2021.