Amica vs. Geico car insurance | finder.com

Amica vs Geico: Who has better car insurance?

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Weigh coverage with rates when choosing between these industry leaders.

Geico’s known for its catchy jingles and promises of savings. Amica is lesser known, but has been around longer and offers similar coverage, benefits and discounts. Both insurers offer solid car insurance coverage for almost any driver, including high-risk drivers who need an SR-22.

In the battle of Amica versus Geico, Geico has the slight edge for its low rates. You’ll find any type of coverage you need from Geico, and almost any driver can get coverage through Geico. That’s why Geico may be the top choice for most drivers who are looking for the best rate on solid coverage.

While Geico may offer most customers a cheaper rate on car insurance, consider Amica’s other perks like lifetime repair claim warranty and no deductibles on glass damage or key replacement. Paired with Amica’s excellent customer support ratings, you might be glad you picked Amica if it comes time to make a claim.

 

Amica

Geico

OVERVIEW

OVERVIEW
About the provider
About the brand From offering yearly dividends for policyholders to multi-car discounts and roadside assistance, consider switching to Amica car insurance. As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
States served
States served All 50 states Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
User satisfaction
User satisfaction 5 stars 3 stars
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes Yes
Rideshare coverage
Accident forgiveness No Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods online
email
phone
online
phone
Payment schedule
Payment schedule 6 months
monthly
12 months
6 months

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes, up to 15% Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount No Yes
Multi car discount
Multi car discount Yes, up to 25% Yes, up to 25%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes, up to 15%
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes, up to 15%
Usage based discount
Usage based discount No No
Other discounts
Other discounts Seat belt use, up to 15% discount
Learn more
Learn more

Bottom line

Geico may be your best bet for the absolute lowest rates, but Amica also offers some perks that might make it worth considering — like lifetime repair claim warranty and no deductibles on glass damage or key replacement. Compare quotes from both providers to choose the right one for you.

Compare alternatives to Amica and Geico

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.

Compare up to 4 providers

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