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Amica vs Geico: Who has better car insurance?

Weigh coverage with rates when choosing between these industry leaders.


Fact checked

Both Amica and Geico offer solid coverage for almost any driver, including those considered high-risk. Geico’s known for promising savings amidst catchy jingles. It averages $9 per month less than Amica, in our independent analysis of premiums across multiple drivers. However, Amica gains a competitive edge with dividends and top-notch service.

Who’s the winner, Amica or Geico?

It’s a close call between Amica or Geico, so getting quotes from both could help you decide based on your specific needs. Geico has the slight edge for its low rates. With its award-winning app and online claims, this company works best if you’re an independent customer who’s okay managing their own policies and doing more of the claims legwork.

But 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.

Our top pick: Geico

Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.

  • Tons of discounts
  • Innovative mobile app
  • Easy repair process
  • Save over $500 a year when you switch
  • Innovative mobile app
  • Easy repair process

Compare Amica vs Geico





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. 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


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
Claims methods
Claims methods online
Payment schedule
Payment schedule 6 months
12 months
6 months


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 Varies
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
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.
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.

Compare up to 4 providers

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