Amica and GEICO are two of the nation’s largest car insurance companies, and if you’re in the market for new coverage, you may be considering them.
Both insurers offer the potential to save, but GEICO tends to offer much cheaper premiums. With that in mind, it’s always a good idea to compare car insurance quotes from both insurers (and any others you’re considering) to make sure you’re getting the right amount of coverage and the customer service experience you’re looking for at the right price.
This comprehensive comparison of Amica and GEICO can help you see which auto insurance company is the best for you.
Amica and GEICO offer similar coverage types, but when it comes to cost, GEICO generally has lower rates than Amica. But Amica has 18 different potential discounts, so it’s still worth getting a quote from both companies to see how rates compare.
Amica (also known as Amica Mutual Insurance) is the oldest mutual insurer of automobiles in the U.S. Operating since 1907, Amica offers a range of insurance products and has won 50 J.D. Power awards.
Both Amica and GEICO have telematics programs that can help you save if you practice safe driving habits.
Amica’s StreetSmart is a free app that assesses your driving habits using sensors to measure factors like hard braking and phone use. If you can improve your driving, you can earn premium discounts and rewards.
GEICO’s DriveEasy tracks your driving and provides insights, stats, and safety tips. If you can maximize your score, you’ll enjoy savings. GEICO promises never to sell your driving data to third-party sources.
The exact monthly premium a car insurance company will offer you depends on many different factors, like the coverage type and amount, your driving record, and your location (down to the ZIP code). But you can generally expect to spend less on car insurance with GEICO compared to Amica insurance.
GEICO’s average rates are more affordable for both liability-only coverage and full-coverage policies. You may pay more than twice those rates to purchase car insurance from Amica.
But remember, cost shouldn’t be your only concern. Before requesting online quotes, read customer reviews to see which car insurance company is easier to work with and investigate each company’s financial strength ratings to get an idea of its financial stability.
You also want to compare coverage types to make sure you get the coverage that matters to you, like accident forgiveness or loss of use coverage, for example. Connect with an independent agent if you need help finding an auto insurer that offers the coverage you’re looking for.
In the sections that follow, you’ll see which offers the cheapest rates based on specific criteria.
GEICO is by far the cheaper car insurance option for drivers who have a clean driving record and are debating between Amica and GEICO as their insurer.
If you don’t have a clean record and you have a speeding ticket, you can still expect to spend significantly less with GEICO than Amica.
Young drivers spend more on auto insurance than their older and more experienced counterparts. If they choose GEICO over Amica, they can spend a lot less money.
Having bad credit can result in your paying more for car insurance in some states. If you have poor credit, you’ll save more by choosing GEICO over Amica for your car insurance.
Even though senior drivers have a lot of experience behind the wheel, reduced faculties can end up causing trouble on the road. This leads to increased premium prices. Fortunately, senior drivers can save by choosing GEICO over Amica.
Both Amica and GEICO offer standard car insurance coverage options, like liability-only, comprehensive, medical payments, personal injury protection, and uninsured/underinsured motorist coverage.
But each insurer also offers some insurance policies the other doesn’t. The table below illustrates the unique coverage types and add-ons each car insurance company offers.
While Amica offers more discounts than GEICO, both companies have an impressive amount of potential savings opportunities available. The number of discounts you qualify for will go a long way toward dictating your overall rate. Just remember that rates from Amica are considerably more expensive to start, on average.
Still on the fence about whether Amica or GEICO is the best option for your car insurance needs? Here, you’ll find the answers to some frequently asked questions about both insurers.
GEICO doesn’t have a single top competitor. Other large insurance companies that offer similar products to GEICO (like homeowners insurance) and are widely available include State Farm, Allstate, Nationwide, Progressive, and Liberty Mutual.
Amica Mutual is considered to be a good insurance company, at least when it comes to financial security. This insurer earned an AM Best score of A+ (Superior), which indicates it’s very financially secure and likely to pay out future claims.2
Both Amica and GEICO offer a fairly standard suite of car insurance coverage options, like liability only, full coverage, medical payments, and uninsured/underinsured motorist coverage. The key differences are the fact that GEICO generally has lower rates and Amica has more coverage offerings. For example, Amica offers auto loan or lease coverage, while GEICO doesn’t.
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