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Amica vs Geico: Who has better car insurance?

Weigh coverage with rates when choosing between these industry leaders.

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Choosing between Amica vs. Geico comes down to cheap rates or customer experience. Geico has a slight edge over Amica for rates, along with its award-winning app. Geico can save you around $108 per year compared to Amica, based on our independent research of rates across multiple ZIP codes. But Amica’s high customer ratings show a superb level of service that’s hard to find, and that’s paired with perks like no glass repair deductible.

Compare Amica vs Geico

Compare each company’s cost and benefits, then get quotes from both to help you choose based on your needs.

Amica

Geico

OVERVIEW

OVERVIEW
About the provider
About the brand Enjoy yearly dividends, big discounts and highly rated customer service. Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
States served
States served All 50 states All 50 states

COVERAGE

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

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes, up to 25%
Bundling discount
Bundling discount Yes, up to 15% Varies
Home owner discount
Home owner discount Yes No
Military discount
Military discount No Yes, up to 15%
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, Varies by state
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
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 Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
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