Amica vs GEICO

Side-by-side car insurance comparison based on rates across all available locations

Lower Avg Rate

Amica

4.8

Avg Monthly

$89/mo

Best Rate

$60/mo

Best For

Best customer service

Top Discount

Loyalty 10%

Available In

5 locations

GEICO

4.3

Avg Monthly

$101/mo

Best Rate

$60/mo

Best For

Online savings

Top Discount

Good driver 22%

Founded

1936 · Chevy Chase, Maryland

Available In

50 locations

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Rate Comparison by State

Amica cheaper: 4GEICO cheaper: 1


Massachusetts	$108/mo	$114/mo	Amica saves $6/mo
New Hampshire	$62/mo	$68/mo	Amica saves $6/mo
Rhode Island	$86/mo	$90/mo	Amica saves $4/mo
Vermont	$60/mo	$62/mo	Amica saves $2/mo
Connecticut	$128/mo	$124/mo	GEICO saves $4/mo

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Pros & Cons

Amica

Detailed profile not yet available for Amica.

GEICO

Pros

✓Consistently among the lowest rates nationally
✓Award-winning mobile app and 24/7 online service
✓Wide range of discounts (good driver, military, multi-policy)
✓Strong financial stability — A++ AM Best rating

Cons

✗No local agent network — online and phone only
✗Gap and rideshare coverage not available in all states

Which Should You Choose?

Amica is the cheaper option in 4 of 5 states where both insurers operate, saving an average of $5/month. GEICO is cheaper in 1 states.

Amica has a higher average customer rating (4.8/5) compared to GEICO (4.3/5). However, ratings can vary by state and coverage type.

Amica is generally best for best customer service, while GEICO stands out for online savings. The right choice depends on your priorities — lowest price, best service, or specific discounts.

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Amica vs GEICO — FAQs

Is Amica cheaper than GEICO?

Amica is cheaper in 4 of 5 states where both operate. However, rates vary by location, so GEICO may be cheaper in your area. Always compare quotes for your specific state and circumstances.

Which has better ratings — Amica or GEICO?

Amica has an average rating of 4.8/5, while GEICO averages 4.3/5 across all states. Both are well-established insurers with strong financial stability.

What discounts does Amica offer vs GEICO?

Amica's top discount is "Loyalty 10%", while GEICO offers "Good driver 22%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.

Can I switch from Amica to GEICO?

Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both Amica and GEICO to compare rates for your specific situation.

Which is better for my state?

It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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