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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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Fact checked

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.

Our top pick: Geico

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

  • Save over $500 on average by switching
  • Earn or buy accident forgiveness to keep premiums low
  • Reach customer service 24/7 by phone, online or app
  • Access convenient app services like proof of insurance and bill pay

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 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

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 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
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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
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.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay only for the miles you drive, plus enjoy app services you won’t find everywhere like claims and car health updates.
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