Amica and Geico are both well known in the auto insurance world for being reliable providers with reasonable rates. This article compares Amica vs. Geico directly so you can decide which car insurance company is the best choice for you.
It’s always smart to get quotes from multiple companies before making a decision about coverage. When you’re ready to start comparing personalized quotes from the best auto insurance providers, be sure to use our tool above.
Amica Vs. Geico
Geico and Amica are both national auto insurance providers that offer standard car insurance as well as several add-on options. While Geico performs better when it came to cost, discounts, and customer reviews, Amica also scores well in these categories. Overall, we recommend Geico.
Amica Mutual Insurance is available in all 50 states and is licensed to underwrite home, auto, and life insurance. You probably already know Geico, one of the largest auto insurance companies in the United States. It’s also licensed to write auto insurance policies in all 50 states and offers insurance products including home insurance and renters insurance.
Here’s a preview of what we found when we reviewed Amica vs. Geico auto insurance.
Amica And Geico Compared
|Availability||50 states||50 states|
|AM Best Financial Strength Rating||A+||A++|
|J.D. Power Claims Satisfaction||907/1,000||881/1,000|
|Mobile App Google Play Rating||4.4||4.7|
Amica Vs. Geico: Coverage
When you’re shopping for car insurance, it’s smart to preview each company’s coverage to be sure you’re getting the peace of mind you need. Amica and Geico both provide standard car insurance coverage along with roadside assistance, rental car reimbursement, and accident forgiveness. Beyond that, offerings vary.
|Bodily Injury Liability (BI)||✓||✓|
|Property Damage Liability (PD)||✓||✓|
|Personal Injury Protection (PIP)||✓||✓|
|Medical Payments (MedPay)||✓||✓|
|Uninsured/Underinsured Motorist (UM/UIM)||✓||✓|
|Rental Car Reimbursement||✓||✓|
|Mechanical Breakdown Insurance (MBI)||✓|
|Identity Fraud Monitoring||✓|
Amica Car Insurance Coverage
Glass coverage: If you have a covered auto glass claim, you won’t pay a car insurance deductible.
Identity fraud monitoring: This coverage from Amica provides monitoring for your personal and credit information. You’ll be alerted any time unusual activity is detected and will be provided access to a fraud specialist should an issue arise. This protection can be purchased individually or with the Platinum Choice Auto® package.
Platinum Choice Auto: The package comes with standard coverage plus accident forgiveness, glass coverage, identity fraud monitoring, and rental car reimbursement.
Geico Auto Insurance Coverage
Mechanical breakdown insurance: This protects you from having to pay for repairs to any covered mechanical part of the car after a breakdown.
Rideshare insurance: Geico’s rideshare coverage is beneficial for car insurance customers who drive for a rideshare service like Uber and Lyft. It covers your passengers’ medical bills after an accident and includes rental car coverage.
Amica Vs. Geico: Cost And Discounts
On average, Geico has cheaper car insurance than Amica. But keep in mind that many factors affect the price of car insurance, including your age, vehicle make and model, driving history, and location. When comparing Amica vs. Geico, make sure to check which discounts you might qualify for with both companies.
|Length of Membership Savings||✓|
|Pay in Full||✓|
|Daytime Running Lights||✓|
Geico has more discounts than Amica, but the important thing is which discounts apply to you. Here are a few discounts we like from both auto insurance companies:
Amica Car Insurance Discounts
- Amica length of membership savings discount: If you’ve been with Amica for at least two years, you can save money on your car insurance.
- Amica family discount: If you’re under 30 and your parents have an Amica insurance account, you qualify for this auto insurance discount.
- Geico military discounts: As an active-duty or retired military member, you could save money on your car insurance policy from Geico. Additionally, with the emergency deployment discount, you can save up to 25 percent.
- Geico vehicle safety discounts: If your car is equipped with vehicle safety features such as anti-theft technology, anti-lock brakes, air bags, and more, you could qualify for discounted car insurance rates.
- Bundling: Both insurance providers offer a discount for bundling multiple policies together, such as auto insurance and renters or homeowners insurance. That means that if you already have a policy with one of these providers, it is probably cheapest to also get an auto insurance policy through that company.
Amica Vs. Geico: Ratings And Reviews
Amica and Geico both have high ratings from the BBB and AM Best. The BBB rates companies based on sound business practices and transparency, while the AM Best financial strength rating measures ability to pay out claims. Looking at the results, we can see that both Amica and Geico are reputable car insurance companies.
|AM Best Financial Strength Rating||A+||A++|
Beyond industry ratings, it’s important to consider the customer satisfaction of current and former policyholders. These reviews help us paint a picture of what it’s like to work with Amica vs. Geico.
Amica Car Insurance Reviews
“I have been [an Amica] customer for about two years, and I recently had a minor claim on my policy. The claims process was straightforward, and the claims team was efficient and professional. Amica paid the claim according to my policy, and I received payment within a couple weeks.”
– Zachary via BBB
“I am an Amica customer, but not for much longer… With this past renewal, they raised my rates by $40 per month (no claims, accidents, etc.), and I see that other companies have much more reasonable rates. That I could overlook, perhaps, but their service is horrible.”
– Jennifer D. via BBB
Geico Auto Insurance Reviews
“I’ve been a customer of Geico for close to 20 years. My kids have had a few accidents, and they have been extremely professional and I have zero complaints about the claims they handled. Their service has been outstanding.”
– Kenneth A. via BBB
“I am a Geico [policyholder], and my parked car was hit by another Geico [policyholder]. When it came time to start the claims process, Geico was not able to get a hold of the responsible party… [I] am told that [if after 30 days] they aren’t able to communicate with the other owner, my claim gets closed and I’m liable to be out the entire cost of my car.”
– Thanh via BBB
Geico Vs. Amica: Conclusion
In the end, Amica and Geico are both great choices for car insurance. Each offers high-level auto coverage and has a solid industry reputation. If we have to choose a winner between Amica vs. Geico, we choose Geico for its extensive coverage, low rates, and excellent industry reputation.
|Cost And Discounts||Geico|
|Quotes And Claims Processes||Amica|
|Ratings And Customer Reviews||Geico|
We recommend getting auto insurance quotes from both companies and comparing your own coverage and prices. To learn more about each auto insurer, check out our complete Amica insurance review and Geico auto insurance review.
Best Auto Insurance Companies
We recently reviewed the biggest car insurance companies in the nation, and Geico stood out as the Best Overall provider. That being said, it’s important to compare coverage from multiple insurers. Your insurance rate is based on a number of factors, so what’s best for your neighbor may not be best for you.
If you’re looking for a few more recommendations for car insurance, check out USAA and Progressive. Both performed highly in our industry review, earning 4.8 and 4.6 stars, respectively. Use our tool below to start comparing multiple free insurance quotes from providers in your area.
USAA: 4.8 Stars
After doing our homework, we named USAA the best car insurance for military personnel and their immediate family members.
USAA customers have access to the standard types of car insurance, plus rental car coverage, roadside assistance, and more. There are great discounts for military service members, including up to 15 percent off for parking your vehicle on a military base. Finally, USAA has an impeccable reputation for customer service, topping many J.D. Power studies.
For more information, check out our full USAA insurance review.
Progressive: 4.6 Stars
We found that Progressive is the best insurance provider for high-risk drivers, including drivers in their 20s and drivers with a DUI on record. Along with standard coverage, Progressive customers can get small and large accident forgiveness, custom parts and equipment coverage, rideshare insurance, and more.
Progressive’s Name Your Price® tool and Snapshot® safe driving program put it ahead of the curve in terms of technology. You can put the price you want to pay into the Name Your Price tool to be matched with Progressive policies that fit your budget. The Snapshot program measures safe driving habits to qualify you for savings.
For more information, check out our full Progressive insurance review.
In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.
- Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
- Availability: We consider availability by state as well as exclusions for specific groups of drivers.
- Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
- Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
- Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
- Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.