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Geico vs. Amica 2025

Written by

Shannon Martin

Edited by

Natasha Cornelius, CLU

Updated Jul 01, 2025

Geico and Amica are well-established insurance companies with solid reputations, but understanding the differences between the two can help you choose the right company to meet your financial needs.

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Geico, originally the Government Employees Insurance Company, was founded in 1936 and began by offering insurance products to government employees and military personnel. According to the NAIC’s P&C Market Share report, Geico is the third-largest insurance company in the nation, occupying 12.31 percent of the auto insurance market share and over $38 billion in direct premiums written. The company also earned the 2025 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers.

Founded in 1907, Amica is the oldest mutual car insurance company in the U.S. It has 0.44 percent of the market share and approximately $1.3 billion in direct premiums written. What Amica lacks in size, it seemingly makes up for in service by consistently ranking among the top insurers in J.D. Power’s annual customer satisfaction studies and earning it the title of Best Auto Insurance Company for Customer Service in the 2025 Bankrate Awards. Amica also tied with USAA for the Best Auto Insurance Company Overall.

Those who are interested in contacting Amica or getting a quote can do so by phone, email, direct mail or online at amica.com.

Our verdict

Based on our analysis of average premiums from Quadrant Information Services, Geico is generally cheaper than Amica. However, Geico’s coverage options are a bit sparse compared to Amica’s. For instance, Amica’s Platinum Choice Auto package offers credit monitoring, new car replacement on eligible vehicles and a zero-dollar deductible on glass. On the other hand, Geico doesn’t offer new car replacement, and if you want credit monitoring, you’ll have to purchase an identity theft policy. Based on this information, budget-conscious drivers may be more interested in Geico car insurance, and drivers looking for robust coverage options may find Amica especially appealing.

Geico vs. Amica comparison

In addition to possessing a larger portion of the market share, Geico has a slightly higher AM Best financial strength rating of A++ (Superior), compared to Amica’s A+ (Superior). Both have 24/7 claims service and a wide range of additional insurance products. While Geico’s average rates are 19 percent less than the average cost of car insurance nationwide, Amica’s are 44 percent more. Another factor to consider is that Amica holds the second highest spot in the J.D. Power 2024 Auto Claims Satisfaction Study, while Geico ranked below average.

Featured Geico Rating: 4.3 stars out of 5 4.3 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings Cost & ratings Rating: 4.5 stars out of 5 4.5 Coverage Rating: 4 stars out of 5 4.0 Support Rating: 4.4 stars out of 5 4.4 Read Review	Amica Rating: 4.4 stars out of 5 4.4 Bankrate scores primarily reflect a weighted rank of industry standard ratings for financial strength and customer experience, in addition to average quoted rates. A secondary assessment of each provider's online and mobile resources and policy management options also contributed to overall ratings Cost & ratings Rating: 4.2 stars out of 5 4.2 Coverage Rating: 5 stars out of 5 5.0 Support Rating: 4.2 stars out of 5 4.2 Read Review
OVERVIEW Bankrate identified key carrier features, coverage offerings, discounts and more
Policyholders who value cheaper car insurance and digital capabilities over bundling multiple insurance policies with the same company might consider Geico as their company of choice. Read More	Policyholders who value excellent customer service and robust coverage options, but don’t mind paying more for homeowners insurance, might consider Amica as their company of choice. Read More
STANDOUT FEATURES These features are some of the carrier’s most impressive
DriveEasy telematics program Robust digital tools Long list of potential discounts	Robust online claim center Dividend policies available Loyalty discount after 2+ years
AVG FULL COV. AUTO RATE Average national annual cost of a full coverage auto insurance policy
$2,180	$3,857
AVG MIN COV. AUTO RATE Average national annual cost of a minimum coverage auto insurance policy
$586	$1,261
J.D. POWER AUTO SCORE J.D. Power’s Auto Claims Satisfaction Study assesses customer satisfaction with the claims experience on a 1,000-point scale
692/1000	746/1000
AM BEST RATING AM Best ratings assess companies’ financial strength based on historical ability to pay out claims, among other financial obligations
A++(Superior)	A+(Superior)

Geico pros and cons

Pros

Rates are generally lower than average for many segments of drivers
Nationwide availability
Mechanical breakdown insurance is offered on eligible brand-new vehicles and works similarly to an extended warranty
Robust digital tools and online capabilities

Cons

Does not offer gap insurance or new car replacement coverage
Few local offices, depending on where you live
Geico sells its homeowners insurance and many other insurance products through underwriting partners rather than directly, which may be important to customers wishing to bundle
Ranked below average in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study

Amica pros and cons

Pros

As a mutual company, Amica policyholders have the potential to earn dividends
Robust coverage options included in convenient prebuilt packages
Long list of vehicle safety-related discount opportunities
Underwrites and services its additional insurance products

Cons

Not available in Hawaii and online quotes not available in Louisiana
Few local offices
Non-claims-related customer service not available 24/7
Higher-than-average car insurance rates

Is Geico cheaper than Amica?

Auto insurance costs vary between carriers depending on state laws, available discounts, driver characteristics and several other factors. As you can see in the tables below, Geico typically falls below the national average. Average rates for Amica, on the other hand, skew slightly higher.


Young driver (age 25)	Geico avg. full coverage premium $2,528	Amica avg. full coverage premium $4,825
Senior driver (age 70)	Geico avg. full coverage premium $2,263	Amica avg. full coverage premium $3,419
Good driver, good credit	Geico avg. full coverage premium $2,180	Amica avg. full coverage premium $3,857
Good driver, poor credit	Geico avg. full coverage premium $3,239	Amica avg. full coverage premium $8,796
Speeding ticket with good credit	Geico avg. full coverage premium $2,593	Amica avg. full coverage premium $4,759
At-fault accident with good credit	Geico avg. full coverage premium $3,079	Amica avg. full coverage premium $4,493

Bankrate's take

Across the board, Geico beats Amica in terms of cost, which is a factor for many drivers when shopping for auto coverage. Amica’s average rates are higher than Geico’s and often higher than the national average — sometimes significantly.

Drivers with poor credit or violations on their driving records may fall into the high-risk category and could find lower rates with Geico. Amica does offer coverage for high-risk drivers, but Geico can offer more competitive rates likely due to its larger risk pool.

Take note that not all insurance companies write car insurance policies for drivers with DUIs. Getting in touch with an agent and disclosing your driving history is the best way to get an accurate quote.

Geico vs. Amica: discounts

Car insurance companies offer their own set of discounts. Depending on which you qualify for, you might find that your rate is cheaper than average. Below are some potential discounts you may want to consider when comparing Geico vs. Amica.

Discounts available from both carriers

Many discounts are common amongst most carriers, but the potential savings and eligibility requirements can differ. Some discounts that Geico and Amica have in common are anti-theft, vehicle safety features, paid-in-full and automatic payment discounts, just to name a few. See below for discounts that are unique to each carrier.

Geico discounts

Eagle discount: Active and retired federal employees could save up to 12 percent on Geico car insurance.
Membership and employee discount: Geico is affiliated with more than 500 professional groups, fraternities and sororities. If you’re a member of one of these groups (or a Geico employee), you may qualify for this discount.
Emergency deployment discount: Military personnel deployed to an imminent danger zone could save up to 25 percent on their policy.

Amica discounts

Homeownership discount: If you own your home, you could save on your Amica car insurance (even if you insure your home with another company).
Adaptive headlights discount: If your car comes equipped with adaptive headlights that help you see in low-light conditions, you may be eligible for a discount.
Forward-collision warning: You may receive a discount if your vehicle has a collision avoidance feature.
Family loyalty discount: Policyholders younger than 30 could get a discount if their parents have had an Amica auto policy for five years or more.

Geico and Amica telematics programs

Geico’s DriveEasy program may help policyholders save money on their car insurance if they drive safely. Although this telematics discount isn’t available in every state, eligible drivers could earn a discount by downloading a mobile app and allowing the company to track their driving habits and provide driving tips. However, beware — if Geico deems you a risky driver, you could see your rates go up instead of down.

Amica recently introduced a telematics program called StreetSmart. Drivers use a mobile app to track driving habits, as well. Good habits are rewarded with policy discounts or other rewards, including e-gift cards to popular retailers. Your rates will not increase based on tracking data, but your discount or policy rewards will vary depending on the driving behaviors you exhibit.

	Geico’s DriveEasy	Amica’s StreetSmart
Device	Mobile app	Mobile app
Can it raise your rate?	Yes	No
Availability	AL, AZ, AR, CO, CT, FL, GA, ID, IL, IN, IA, KY, LA, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NY, NC, OH, OK, OR, PA, SC, TN, TX, UT, VA, WA, WV, WI and Washington, DC	AZ, CO, CT, GA, IL, IN, KS, ME, MD, MN, MO, NH, NM, OH, OR, PA, RI, TN, TX, UT, VT, VA, WI
Discount	Varies	Up to 20 percent
What it monitors	Distraction-free driving, braking, speeding and cornering	Hard braking, excessive speeding, road segment type, phone distraction, phone use and phone screen tapping

Geico vs. Amica: customer experience comparison

Although average rates are essential when comparing car insurance quotes, shoppers looking for top-of-the-line coverage may also want to research customer experience. To evaluate this metric, Bankrate’s team of insurance experts studied scores issued in the J.D. Power 2024 U.S. Auto Claims Satisfaction Study and Insurance Digital Experience Study. In addition to J.D. Power scores, we looked at customer reviews for Geico and Amica’s mobile apps. In today’s digital world, many drivers may prefer to handle their policies electronically, which could mean that an easy-to-use mobile app is fundamental for a positive customer experience.

When using these metrics, Amica typically scores higher than Geico. According to J.D. Power, the 2024 industry average score for claims satisfaction is 697 out of 1,000 points. Geico scored slightly below the industry average at 692 out of 1,000. Meanwhile, Amica was the second highest-rated company, with a score of 746 out of 1,000.

In the Insurance Digital Experience Study, the industry average is 698 out of 1,000 for service and 516 out of 1,000 points for shopping experience. Amica outranked Geico for service experience, earning 699 compared to Geico’s 668 points. However, Geico outranked Amica for shopping experience, earning an above-average 519, while Amica earned a few points less, tying with the average of 516 points.

When it comes to mobile experience, both companies earned high ratings in the App Store, but Geico’s mobile app may be more functional than Amica’s for Android users, based on Google Play ratings. Amica’s lower Google Play score could be due to payment processing issues, as reported by customer reviews.

	Geico	Amica
App Store	4.8 of 5	4.8 of 5
Google Play	4.6 of 5	3.3 of 5
J.D. Power claims satisfaction	692 / 1,000	746 / 1,000
J.D. Power insurance digital service experience	668 / 1,000	699 / 1,000
J.D. Power insurance digital shopping experience	519 / 1,000	516 / 1,000

Customer complaints

Learning how current customers feel about the customer service they receive can help you when deciding on which insurance company is right for you. The National Association of Insurance Commissioners (NAIC) produces an annual complaint index report that can help. This report tracks the amount of complaints lodged against insurance companies each year and assigns the carrier a score. The score has a baseline of 1.00; scores below 1.00 indicate that a provider had fewer complaints than expected for a company its size.

Geico auto insurance customer complaints

Geico consistently has fewer than the average number of complaints filed against them over the past three years for car insurance, indicating that customers may be happy with the level of service they receive. When choosing an insurance company, a company that shows consistency may be more reliable.

Amica auto insurance customer complaints

Amica has a long history of excelling at customer service and its NAIC index reflects this. Over the past three years, Amica has scored well below the baseline, although there was a slight increase in complaints in 2023.

Frequently asked questions

Geico and Amica are solid companies with excellent financial stability ratings, coverage options and customer service. What might make one company better than the other is if its coverage meets your needs and is affordable. If budget is your main concern, you may get a better rate with Geico. If you want all your insurance products serviced by the same company, then Amica may be a better fit. The best way to find out is to call an agent to discuss your discount eligibility and coverage options and to ask for a quote.
Auto insurance is a heavily regulated industry, so both companies must follow state regulations regarding the claims process. However, Amica earned a score of 746 on the 2024 J.D. Power U.S. Auto Claims Satisfaction Study — one of the highest in the country. Geico was below average, with a score of 692. This indicates that Amica policyholders may be happier with the claims process than Geico policyholders. Keep in mind this doesn’t necessarily mean that Geico doesn’t honor claims and distributes unfair payouts, though.
Yes, both Geico and Amica offer homeowners insurance. However, Geico doesn’t write its own homeowners policies but instead utilizes underwriting partners. In other words, Geico agents sell homeowners insurance policies that are written by companies that partner with Geico. This process can make it challenging to research Geico’s homeowners insurance product since you don’t know what insurance company your quote will be with until you contact Geico. Additionally, homeowners insurance may not be available in your state, whether you are with Geico or Amica. For instance, although both companies have a near-nationwide availability for homeowners insurance, neither offers this type of policy in Florida. For more information, it may be best to request a homeowners quote directly from the company.
For most driving profiles, Amica is not cheaper than Geico based on our analysis of average rates for various driver profiles. However, these are just averages, and your exact rate will vary based on factors unique to you like your age, the type of vehicle you drive, the deductible you choose and more.
On average, Auto-Owners, USAA and Geico have some of the cheapest car insurance premiums. However, rates are constantly in flux — the cheapest company today may not be the cheapest company tomorrow. Furthermore, car insurance premiums are based on several personal factors, some of which could include where you live, your credit, your driving history, your age, your gender and more. As such, no car insurance company is the cheapest for every driver. Instead, the best way to find the most affordable insurance company for you is to request quotes from multiple companies. Specify the same coverage types and policy limits for the most accurate comparison.

Methodology

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Bankrate Score

Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

50% Cost & ratings

30% Coverage & savings

20% Support

Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.

Written by

Shannon Martin

Bankrate Insurance Expert | Writer, Insurance

Geico vs. Amica 2025

Geico vs. Amica comparison

Geico

Amica

Geico pros and cons

Amica pros and cons

Is Geico cheaper than Amica?

Geico vs. Amica: discounts

Discounts available from both carriers

Geico discounts

Amica discounts

Geico and Amica telematics programs

Geico vs. Amica: customer experience comparison

Customer complaints

Geico auto insurance customer complaints

Amica auto insurance customer complaints

Frequently asked questions

Is Geico or Amica better?

Which insurance company is best at paying claims?

Do Geico and Amica offer homeowners insurance?

Is Amica cheaper than Geico?

Which car insurance company is the cheapest?

Methodology

Rates

Other profiles

Credit-based insurance scores:

Incidents:

Mileage:

Model:

Age:

Gender:

Status:

Bankrate Score