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- Amica is a car insurance provider that offers an array of coverage options for drivers in all 50 states.
- Geico is one of the most well-known insurers in the industry and offers unique and affordable coverage options, like mechanical breakdown insurance (MBI).
- Read our comparison between these two providers to make the best choice for your auto insurance needs.
Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products in this article.
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 Highlights
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 | Geico | |
|---|---|---|
| Overall Rating | 4 | 4.6 |
| Availability | 50 states | 50 states |
| Coverage | 4 | 4.2 |
| Cost | 3.5 | 4.6 |
| Customer Service | 4 | 4.4 |
| AM Best Financial Strength Rating | A+ | A++ |
| J.D. Power Claims Satisfaction | 903/1,000 | 874/1,000 |
| Mobile App Google Play Rating | 3.8 | 4.6 |
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.
| Amica | Geico | |
|---|---|---|
| Bodily Injury Liability (BI) | Yes | Yes |
| Property Damage Liability (PD) | Yes | Yes |
| Collision | Yes | Yes |
| Comprehensive | Yes | Yes |
| Personal Injury Protection (PIP) | Yes | Yes |
| Medical Payments (MedPay) | Yes | Yes |
| Uninsured/Underinsured Motorist (UM/UIM) | Yes | Yes |
| Roadside Assistance | Yes | Yes |
| Rental Car Reimbursement | Yes | Yes |
| Accident Forgiveness | Yes | Yes |
| Mechanical Breakdown Insurance (MBI) | Yes | |
| Rideshare Insurance | Yes | |
| Glass Coverage | Yes | |
| Identity Fraud Monitoring | Yes |
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
On average, Geico has cheaper car insurance than Amica. Drivers with good credit and a clean driving record pay about $1,308 per year on average for full coverage car insurance, while Amica averages around $1,836 per year. However, keep in mind that many factors affect the price of car insurance, including your age, vehicle make and model, driving history, and location.
Amica vs. Geico Car Insurance Discounts
When comparing Amica vs. Geico, make sure to check which discounts you might qualify for with both companies.
| Discount | Amica | Geico |
|---|---|---|
| Multiple Vehicle | Yes | Yes |
| Multiple Policy | Yes | Yes |
| Safe Driver | Yes | Yes |
| Anti-Theft | Yes | Yes |
| Vehicle Safety | Yes | Yes |
| Family Discount | Yes | |
| Length of Membership Savings | Yes | |
| Homeowners Discount | Yes | |
| Auto-Pay | Yes | |
| Pay in Full | Yes | |
| E-Discount | Yes | |
| Good Student | Yes | |
| Military | Yes | |
| Emergency Deployment | Yes | |
| Anti-Lock Brakes | Yes | |
| Daytime Running Lights | Yes | |
| Passive Restraints | Yes | |
| New Car | Yes | |
| Defensive Driving | Yes | |
| Federal Employee | Yes |
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 loyalty 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 policy, you qualify for this auto insurance discount.
Geico Discounts
- 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%.
- Geico vehicle safety discounts: If your car is equipped with vehicle safety features such as anti-theft technology, anti-lock brakes, airbags, 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 Better Business Bureau (BBB) and AM Best. The BBB rates companies based on sound business practices and transparency, while the AM Best financial strength rating measures the ability to pay out claims. Looking at the results, we can see that both Amica and Geico are reputable car insurance companies.
| Amica | Geico | |
|---|---|---|
| BBB Rating | A+ | A+ |
| 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.
| Category | Winner |
|---|---|
| Coverage | Tie |
| Cost And Discounts | Geico |
| Quotes And Claims Processes | Amica |
| Ratings And Customer Reviews | Geico |
| Overall | Geico |
We recommend getting auto insurance quotes from both companies and comparing your own coverage and prices. To learn more, check out our Geico auto insurance review.
Compare Car Insurance Rates
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Best Auto Insurance Companies
We recently reviewed the biggest car insurance companies in the nation, and Geico stood out as the Best Discount Selection. 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 4.6 and 4.4 stars, respectively.
USAA: 4.6 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: 4.4 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.
Our Methodology
Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.
- Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
- Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
- Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
- Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
- Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
- Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.
FAQs
Which insurance company has the highest customer satisfaction? ›
U.S. News Rating
USAA is the best insurance company in our ratings. According to our survey, USAA customers report the highest level of customer satisfaction and are most likely to renew their policies and recommend USAA to other drivers.
Amica is No. 5 in our Best Homeowners Insurance Companies of 2023 ratings, tied with American Family Insurance. It is also No. 5 in our Cheapest Homeowners Insurance Companies of 2023 ratings.
Is GEICO really cheaper? ›Geico has the cheapest car insurance for most drivers in California. The company charges $31 per month on average for a minimum liability policy. That's 36% cheaper than the statewide average. The average cost of minimum-coverage car insurance in California is $49 per month, or $587 per year.
Which insurance company is number1? ›| Ranking | P/C insurance company name | % change from previous year |
|---|---|---|
| 1 | State Farm Group | 6.1 |
| 2 | Berkshire Hathaway Ins | 20.7 |
| 3 | Progressive Ins Group | 13.7 |
| 4 | Allstate Ins Group | 5.9 |
Progressive is the No. 1 auto insurance company in the country in terms of market share, followed by State Farm, Geico and Allstate.
What are the big 3 insurance companies? ›| Rank | Company | Total assets (US$ Billion) |
|---|---|---|
| 1 | Allianz | 1,261.9 |
| 2 | Axa | 950.6 |
| 3 | Prudential Financial | 940.7 |
| 4 | Ping An Insurance | 883.9 |
Amica ranked better than most other companies for both auto insurance shopping and auto insurance claims customer satisfaction, ranking #3 and #1 respectively on J.D. Power's 2022 auto insurance studies.
Does Amica pay claims? ›When you receive a claim payment from Amica, you have several options to receive your funds. You can be paid via a bank account, debit card, PayPal or Venmo (paper checks remain an option). Depending on the details of your claim, available payment options may vary.
Who is Amica owned by? ›Amica is a mutual insurance company, meaning it is owned entirely by its policyholders. Amica policyholders get coverage without a large markup for profits, and they share in the earnings from investments and premiums by receiving dividends. Amica is the oldest mutual insurer of cars in the United States.
Does GEICO raise rates after 6 months? ›For instance, at GEICO, a six-month auto insurance policy costs an average of $524, while a 12-month policy costs $1,047. However, once the renewal period comes around for a six-month policy, rates may increase or decrease based on your driving record and how insurers calculate rates.
Why are GEICO rates so high? ›
Geico increases premiums as the cost of medical care rises, for example, because it makes bodily injury claims more expensive to pay out. Unpredictable, severe weather also causes prices to go up since insurers are hit with large numbers of expensive claims at once.
Is GEICO good at paying claims? ›Geico is good at paying claims compared to the average insurance company, according to J.D. Power's latest claims satisfaction survey. Geico scored 881 out of 1,000 for their claims process, compared to the industry average of 880 out of 1,000.
What is Geico ranked? ›Geico ranked just above average in J.D. Power's 2022 auto claims insurance study, but was below average in its 2022 auto insurance shopping study. No. 7 out of 8 companies.
Who is the top insurance company? ›The five largest homeowners insurance companies in the U.S. are State Farm, Allstate, USAA, Liberty Mutual, and Farmers. 6 Together, these companies hold more than 45% of the homeowners' insurance market share.
Which type of car insurance is best? ›Comprehensive Car Insurance Policy
This type of insurance policy provides complete protection. It covers both third-party liabilities as well as damages to your vehicle. Also, with a comprehensive cover, you can get compensation if the accident results in your death; the family members will receive the benefit.
Five independent agencies—A.M. Best, Fitch, Kroll Bond Rating Agency (KBRA), Moody's and Standard & Poor's—rate the financial strength of insurance companies. Each has its own rating scale, its own rating standards, its own population of rated companies, and its own distribution of companies across its scale.
Who is the richest insurance company? ›Marsh McLennan is the biggest insurance broker in the U.S. by revenue. 1 It is headquartered in New York City.
Who is the most successful insurance broker? ›MultiPlan has four types of provider networks: National primary PPO networks: MultiPlan is the largest provider of preferred provider organization (PPO) networks in the country.
What is the largest PPO in America? ›
While Multiplan is the largest provider of PPO's in America, it is not the only one. MultiPlan is America's earliest and most extensive independent PPO network.
Which insurance is best for claim? ›United India Insurance tops the chart with a 97.25 per cent claim-settlement ratio.
Which insurance has highest claim settlement ratio? ›In terms of benefit amount paid, private insurers settled Rs 17,410 crore whereas LIC settled Rs 28,408 crore in 2021-22. In terms of numbers, LIC registered a 98.74 per cent claim settlement ratio and in terms of benefit amounts, the insurer maintained a 96.02 per cent claim settlement ratio.
Does Amica offer accident forgiveness? ›Platinum Choice Auto options include: Good driving rewards: Accident forgiveness that saves you money on surcharges and deductibles. You earn forgiveness points instantly, and your points never expire. Prestige rental coverage: Ensures you drive a comparable vehicle when yours is in a covered accident.
Is Amica a reputable life insurance company? ›If you're shopping around for life insurance, Amica is a reputable provider that offers both term and whole life policies for individuals. You can choose from a variety of term lengths and coverage amounts.
What is the maximum an insurance company will pay for a claim? ›What are insurance limits? Also known as your coverage amount, your insurance limit is the maximum amount your insurer may pay out for a claim, as stated in your policy. Most insurance policies, including home and auto insurance, have different types of coverages with separate coverage limits.
What does Amica cover? ›Acima offers lease-to-own financing for furniture, appliances, outdoor goods, eyewear, jewelry and more. Since the company considers more than credit scores when you apply for a loan, it might be a good fit if you have bad credit or no credit history.
Does Amica have good customer service? ›Claims satisfaction (J.D. Power) — Excellent: Amica earned the fourth-best rating in J.D. Power's 2021 claims satisfaction study. Customer satisfaction (J.D. Power) — Excellent: Amica received excellent marks for its customer service from J.D. Power.
What is Amica known for? ›Company Profile: Amica is a direct writer of personal insurance with auto, homeowners, personal excess liability and marine coverages. The company is known in the insurance industry for its financial strength and exceptional customer service.
How big is amica insurance? ›Amica was founded in 1907, and although it's not the largest insurance company in the country, it does carry 1.6 million policies. It sells more than a dozen insurance products and has great third-party ratings for customer satisfaction and financial strength.
What is the most trusted insurance company? ›
Top Insurance Companies For Auto And Home Policies
USAA ranked at the top of both the auto and home insurance categories for the third year in a row. Its 85.3 score also put it at No. 1 on this year's top 25 overall list for Most Trusted Financial Companies (see the 2022 survey overview story).
Companies with the very best ratings include Geico, State Farm, Mass Mutual and New York Life; they all have the highest possible rating of A++.
What company has the best customer loyalty? ›For the fifth year running, Amazon has been named the brand loyalty leader in the US. This is per Brand Key's latest annual loyalty study [pdf], which ranked customer engagement and loyalty to 1,260 brands across 112 categories. Rounding out the top five were: Apple, up two spots to #2, for Smartphones.
What insurance companies do not want you to know? ›- Your car insurance may not be tied to the driver.
- The type of car you drive matters.
- Prior claims and questions raise rates.
- You can check your report for errors.
- Your credit score impacts your car insurance costs.
- Where you live impacts your premium account.
- IFFCO TOKIO Car Insurance.
- Reliance General Car Insurance.
- ICICI Lombard Car Insurance.
- SBI General Car Insurance.
- HDFC ERGO Car Insurance.
- Universal SOMPO Car Insurance.
- Magma HDI Car Insurance.
- Royal Sundaram General Finance Car Insurance.
- Financial strength rating: A++ (Superior)
- Debt rating on company's existing debt securities: aaa.
- The outlook for both ratings—stable.
Term life insurance is best for most people, but high-earners who have already maxed out other tax-deferred savings accounts could consider whole life insurance or other permanent policies with a cash value that gains interest. Certain cash value accounts can protect your money from stock market fluctuations.
What's the highest insurance credit score? ›According to Progressive, insurance scores range from 200 to 997, with everything below 500 considered a poor score, and everything from 776 to 997 considered a good score.
What is the #1 driver of customer loyalty? ›Supplier's Culture: Supplier's culture is most important driver of customer loyalty. In consumer sector this culture means quality and in core sector it can be related to technology.
Which car company has the best loyalty program? ›Toyota ranks highest among mass market car brands with a 62.2% loyalty rate. Kia (54.1%) ranks second. Toyota ranks highest among mass market SUV brands with a 63.6% loyalty rate. Subaru (62.6%) ranks second.
What retailer has the best customer service? ›
- Neiman Marcus 9.11.
- L.L.Bean 9.07.
- Publix 9.01.
- Beau Coup 9.
- Wegmans 8.99.
- Petsense 8.99.
- REI 8.98.
- Trader Joe's 8.95.
The global credit rating industry is highly concentrated, with three agencies: Moody's, Standard & Poor's, and Fitch.
What are the two AAA rated companies? ›1 And as of September 2022, only two companies held the AAA rating outright—Microsoft (MSFT) and Johnson & Johnson (JNJ). 23Apple is split with a Aaa rating by Moody's and a AA+ (one notch below AAA) from S&P.
How do I know if an insurance company is a rated? ›- A.M. Best Co. ( www.ambest.com) 908-439-2200.
- Fitch Ratings (www.fitchratings.com) 800-893-4824.
- Moody's Investor Service, Inc. ( www.moodys.com) ...
- Standard & Poors (www.standardandpoors.com) 800-523-4534.
- Weiss Ratings (www.weissratings.com) 877-934-7778.