GEICO vs. Amica [2025]: Do You Prefer Cheaper Rates or Better Service?

GEICO and Amica are both trusted insurers with many available coverage options and more than a dozen ways to earn premium discounts. Both companies have solid financial strength ratings and have been operating for decades, although Amica is older, having been founded in 1907 while GEICO started in 1936.

There are important differences between GEICO vs. Amica, though. GEICO tends to be much cheaper for most drivers, so those looking for rock-bottom rates should consider it. Amica, on the other hand, tends to charge more but provides a few more coverage options and a better claims experience.

Drivers will need to decide if they want to prioritize customer experience or price when choosing a policy and should also know that neither GEICO nor Amica has much of a local presence – so those looking for lots of access to in-person support may need to consider another alternative entirely, such as State Farm with its large agent network nationwide.

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GEICO pros and cons

Pros

Affordable insurance premiums
Full-featured mobile app with top ratings
Extensive list of discounts can make premiums even cheaper.

Cons

Below-average claim satisfaction rating from J.D. Power
Very few local agents
No gap insurance coverage

Learn more in our GEICO review

Amica pros and cons

Pros

Second-highest claim satisfaction rating from J.D. Power
Many coverage options, including gap insurance and full-featured Platinum Choice Auto protection
Dividend insurance options can offer up to a 20% premium refund.

Cons

Higher than average premiums
No mechanical breakdown coverage
Defensive driving discounts are limited to seniors and young drivers

Learn more in our Amica review

Which company is better?

	GEICO	Amica
AM Best	A++	A+
J.D. Power claims satisfaction	692/1000	746/1000
BBB	A+	A+
NAIC complaints	0.59	0.57

Both GEICO and Amica receive top ratings from AM Best, although GEICO's rating is a little higher. AM Best is a credit rating agency that assesses financial strength, so while both Amica and GEICO are likely to be solvent and able to pay claims for the long haul, GEICO's financial credentials are a bit more stable.

Amica does better when it comes to customer service ratings, though. J.D. Power measured customer claims satisfaction with Amica rating significantly above average, earning the second highest rating of any carrier. Geico was below the average score of 697 with a rating of 692. Amica does have a slightly higher complaint rating with the National Association of Insurance Commissioners, which tracks consumer complaints, but it's still well below the industry average.

NAIC assigns a complaint index to each company by dividing the insurer's share of complaints in the U.S. market by the company's share of premiums. The national average is 1.00, so a complaint index above that means the company has more complaints than expected in the market. Both Amica and GEICO had lower-than-average complaints at 0.57 and 0.59, respectively, but GEICO's rating was worse.

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Which company is cheaper?

If you're focused on how to get cheaper car insurance, GEICO is likely your better option when choosing between GEICO vs. Amica.

GEICO is considerably cheaper, on average, than Amica. In fact, Amica's average premiums for liability-only coverage among all drivers were almost three times higher than GEICO's. GEICO was also cheaper for virtually all driver demographics as you'll see below.

Driver type	GEICO liability-only monthly premium	GEICO full-coverage monthly premium
Clean driving record	$52	$114
Speeding ticket on driving record	$63	$138
At-fault accident on driving record	$67	$145
DUI on driving record	$85	$185
Teen driver	$84	$183
Senior driver (60s)	$40	$87
Senior driver (70s)	$39	$84
Data sourced from Insurify

Compare GECIO's rates to Amica's below:

Driver type	Amica liability-only monthly premium	Amica full-coverage monthly premium
Clean driving record	$146	$269
Speeding ticket on driving record	$216	$399
At-fault accident on driving record	$227	$419
DUI on driving record	$211	$389
Teen driver	$204	$377
Senior driver (60s)	$107	$197
Senior driver (70s)	$107	$198
Data sourced from Insurify

Clean driving record

Drivers with a clean record typically pay less for coverage. GEICO's average premiums for drivers without any incidents on their record are nearly three times lower for liability-only coverage than what Amica charges for comparable drivers.

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Speeding ticket on driving record

Both Amica and GEICO charge more for drivers with a history of speeding. However, Amica's average premiums are again significantly higher than GEICO's for motorists with a speeding ticket.

At-fault accident on driving record

Drivers with an at-fault accident can also expect to pay more with Amica than with GEICO. GEICO allows drivers to purchase claim forgiveness as an add-on, which some drivers can qualify for at no additional cost after being insured without accidents. Amica, on the other hand, does not offer accident forgiveness in most states.

DUI on driving record

Amica is considerably more expensive for drivers who have a DUI on their record compared to GEICO. Again, both insurers do charge extra for those with a drunk driving history compared to drivers who have a clean record.

Teen driver

Teen drivers add cost to any insurance policy, but Amica's average premium for teen drivers is close to 2.5 times greater than GEICO's. But, both insurers do offer discounts for good students as well as for insuring teens who are away at school.

Senior driver

Senior drivers, like teens, present an elevated accident risk. Once again, though, GEICO comes in cheaper on average for seniors compared to Amica's rates.

Discounts

If you're looking for ways to save money on car insurance, there's good news. Both Amica and GEICO offer some of the most comprehensive discount options of any insurer with each company giving customers more than a dozen ways to reduce premiums. These discounts range from saving for buying multiple policies to reduced prices for vehicle safety features.

There are important differences between GEICO and Amica when it comes to discounts, though. While Amica does offer a defensive driving discount, not everyone is eligible for it. Specifically, Amica provides savings for completing this type of course only to drivers under age 21 or over age 55. Geico doesn't have this type of limit, although the insurer does indicate that eligibility for a defensive driver discount and discount amount both vary by state.

Amica does offer something GEICO doesn't: Gap insurance. Gap insurance pays the difference between the market value of a car (which is what the insurer pays if it is totaled or stolen) and the amount due on a loan.

If you owe $15,000 and your insurer says your car is worth $10,000, gap insurance saves you from paying the remaining $5,000 back out of pocket. It's an important type of coverage GEICO is lacking.

Amica also offers dividend policies in some states. While these cost more up front, you can qualify to get up to 20% of your annual premium returned to you via check or a credit towards your next year's bill.

Discount	Does GEICO have it?	Does Amica have it?
Loyalty	No	Yes
Multi-policy/bundling	Yes	Yes
Multiple vehicle	Yes	Yes
Airbag	Yes	Yes
Anti-lock brakes	Yes	No
Anti-theft	Yes	Yes
Safe driver	Yes	Yes
Good student	Yes	Yes
Away-from-home student	Yes	Yes
New car	Yes	No
Pay in full	Yes	Yes
Automatic payments	Yes	Yes
GAP insurance	No	Yes
Senior	Yes	Yes
Military	Yes	Yes
Defensive driving course	Yes	Yes

GEICO DriveEasy vs. Amica StreetSmart

Both GEICO and Amica offer telematics programs, or usage-based programs that set premiums based on driving behavior. GEICO's is called DriveEasy, and Amica's is called StreetSmart.

DriveEasy uses your phone to evaluate factors like how hard you brake, your speed around corners, and how often you use your phone while driving. You're then assigned a safe driving score that affects your rates.

You can see your progress towards earning discounts in GEICO's mobile app. The DriveEasy Dashboard provides real-time information about trips you've taken, the score you earned, and ways to improve.

StreetSmart, on the other hand, works with a free app, and you can get 10% off your current Amica rate simply by registering for it. Once the app is installed, it measures hard braking, road segment type, speeding, and how distracted you are by your phone. You are scored on a rolling 91-day basis, with each day requiring continuous driving to count.

Like with GEICO, Amica allows you to track your driving to see where you stand.

Coverage

Both GEICO and Amica offer all the standard types of coverage drivers need and expect, but there are some differences in add-ons and optional coverage.

For example, GEICO provides the option to add mechanical breakdown insurance, which functions similarly to a car warranty and pays the bills for certain routine repairs. Amica does not provide this kind of protection, so drivers who don't want to be on the hook for these everyday repairs should consider GEICO.

On the other hand, as mentioned above, Amica helps you avoid paying out-of-pocket if a vehicle is lost or stolen and you owe more on it than it is worth. Drivers who bought optional gap insurance through Amica will have these costs covered by insurance while GEICO does not offer a gap policy.

If you simply need standard coverage, though, here are the types of protections both insurers offer.

Bodily injury and property damage liability
Comprehensive coverage
Collision coverage
Personal injury protection
Medical payments coverage
Uninsured or underinsured coverage
Roadside assistance
Rental car reimbursement

FAQs

How do I contact GEICO?

GEICO offers support via its online Virtual Assistant, which you can access at GEICO.com. You can also log into your online account on the mobile app to get assistance or call GEICO via phone at (800) 207-7847.

However, GEICO discourages phone use and encourages people to get help with issues, including emergency roadside assistance, by reaching out online or via mobile app. GEICO also does not publish customer service hours, although you can find a list of insurance agents online if you're hoping for in-person help.

There are limited options for in-person agents, though. For example, when searching for Philadelphia agents, you have options only in Erie, Harrisburg, Philadelphia, Pittsburgh, and Scranton.

How do I contact Amica?

You can contact Amia about claims via live chat from 8 a.m. to midnight on weekdays and 10 a.m. to 5:30 p.m. ET on weekends. You can also use live chat to talk with a general customer service agent on weekdays from 6 a.m. to midnight and weekends from 7 a.m. to midnight ET. LiveChat is powered by Ava, a virtual assistant.

Telephone customer service for auto insurance is also available via phone at 800-242-6422. You can call between 6 a.m. and 1 a.m. on weekdays and 7 a.m. to midnight ET on weekends. Claims representatives are available 24/7 at 800-242-6422, and there is even a separate phone number (833-915-0019) if you need technical assistance.

If you want in-person help, Amica has an office locator. However, there are not many local offices. A search for assistance in the state of Pennsylvania revealed just three options: one in Philadelphia, another in Baltimore, and one in Fairport, NY.

Is Amica a good insurance company?

Amica is widely recognized as a good insurance company. It received top ratings on customer claims satisfaction from JD Power, and the rate of complaints it received relative to its market share with the National Association of Insurance Commissioners is below the industry average.

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Bottom line

Both GEICO and Amica are large insurers, each with great features to offer. However, they aren't the only insurance options out there. If neither seems like the perfect fit for your situation, check out some of the best car insurance companies out there and get a few quotes to find the company that's right for you.

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