Comparing Amica vs Geico Auto and Home Insurance
When choosing between Geico and Amica for car and home insurance, understanding their differences in coverage, pricing, customer satisfaction, and financial strength is crucial. While Geico is well-known for its affordability and digital tools, Amica is highly rated for customer service and coverage options. This comparison will help you determine which insurer suits your needs best.
Company Overview of Amica vs Geico
Geico
Geico (Government Employees Insurance Company) was founded in 1936 and initially catered to government employees and military personnel. As of 2025, it holds 12.31% of the U.S. auto insurance market, with over $38 billion in direct premiums written. The company has earned the 2025 Bankrate Award for Best Auto Insurance Company for High-Risk Drivers.
Amica
Amica Mutual Insurance, established in 1907, is the oldest mutual car insurance company in the U.S. Despite its 0.44% market share and approximately $1.3 billion in direct premiums written, Amica is known for exceptional customer service. It ranked second in the J.D. Power 2024 Auto Claims Satisfaction Study and was awarded Best Auto Insurance Company for Customer Service in the 2025 Bankrate Awards.
Amica vs Geico: Side-by-Side Comparison
| Feature | Geico | Amica |
|---|---|---|
| Market Share | 12.31% | 0.44% |
| Direct Premiums Written | $38 billion | $1.3 billion |
| AM Best Rating | A++ (Superior) | A+ (Superior) |
| Average Full Coverage Rate | $2,173 | $3,180 |
| Average Minimum Coverage Rate | $569 | $763 |
| J.D. Power Claims Satisfaction Score | 692/1000 | 746/1000 |
| Homeowners Insurance | Offered via third-party partners | Directly underwritten |
| Telematics Program | DriveEasy | StreetSmart |
| Customer Complaint Index (NAIC) | Below 1.00 (low complaints) | Below 1.00 (low complaints) |
Amica vs Geico Coverage & Features Comparison
Geico
- Affordability: Geico’s car insurance rates are generally lower than the national average.
- Mechanical Breakdown Insurance: Works like an extended warranty for new vehicles.
- Strong Digital Tools: Offers robust online services and mobile app functionality.
- Drawbacks: Doesn’t offer gap insurance or new car replacement coverage.
Amica
- Robust Coverage Options: Offers a Platinum Choice Auto package with new car replacement and zero-dollar glass deductible.
- Dividend Policies: Eligible policyholders may receive annual dividend payments.
- Loyalty Discount: Available for customers insured with Amica for two or more years.
- Drawbacks: Higher-than-average premiums and limited availability in Hawaii.
Amica vs Geico Car Insurance Cost Comparison
| Driver Profile | Geico Avg. Full Coverage Premium | Amica Avg. Full Coverage Premium |
| Young Driver (Age 25) | $2,524 | $3,916 |
| Senior Driver (Age 70) | $2,264 | $2,896 |
| Good Driver, Good Credit | $2,173 | $3,180 |
| Good Driver, Poor Credit | $3,244 | $8,400 |
| Speeding Ticket with Good Credit | $2,675 | $3,914 |
| At-Fault Accident with Good Credit | $3,059 | $3,816 |
Takeaway: Geico consistently offers cheaper auto insurance rates than Amica, particularly for drivers with poor credit or traffic violations.
Homeowners Insurance: Amica vs Geico
Geico Home Insurance
- Underwritten by third-party partners (varies by state).
- Discounts available for bundling with auto insurance.
- Limited customization options compared to direct underwriters like Amica.
Amica Mutual Home Insurance
- Underwrites and services its own policies.
- Highly rated customer service and claims handling.
- Robust coverage options, including dwelling replacement and personal property protection.
Takeaway: If you prefer comprehensive homeowners insurance with strong customer service, Amica may be the better choice. However, if you want to bundle home and auto insurance, Geico’s third-party partnerships may provide a more cost-effective solution.
Discounts Comparison of Amica vs Geico
Geico Discounts
- Eagle Discount: Up to 12% off for federal employees.
- Military Deployment Discount: Up to 25% off.
- Membership Discount: Savings for members of 500+ professional groups.
Amica Discounts
- Homeownership Discount: Saves on auto insurance if you own a home.
- Adaptive Headlights & Collision Warning Discounts: For vehicles equipped with safety features.
- Family Loyalty Discount: If parents have had an Amica policy for 5+ years.
Takeaway: Geico offers more military and professional discounts, while Amica focuses on loyalty and safety feature discounts.
Customer Experience Comparison of Amica vs Geico
| Metric | Geico | Amica |
| J.D. Power Auto Claims Satisfaction | 692/1000 | 746/1000 |
| Insurance Digital Service Experience | 668/1000 | 699/1000 |
| Insurance Digital Shopping Experience | 519/1000 | 516/1000 |
| App Store Rating | 4.8/5 | 4.8/5 |
| Google Play Rating | 4.6/5 | 3.3/5 |
Takeaway: Amica excels in claims satisfaction and digital service experience, while Geico offers a better mobile app experience.
Final Verdict: Amica vs Geico
Choose Geico If:
✅ You want cheaper auto insurance rates. ✅ You value digital tools and mobile app functionality. ✅ You need military and federal employee discounts.
Choose Amica If:
✅ You prioritize exceptional customer service and claims handling. ✅ You need comprehensive coverage options like new car replacement. ✅ You prefer homeowners insurance directly underwritten by the provider.
While Geico is more budget-friendly, Amica’s customer satisfaction and robust coverage options may be worth the higher price for some policyholders. The best way to find the right insurer for you is to compare quotes and evaluate which discounts and coverage options align with your needs.
Frequently Asked Questions on Amica vs Geico
Is Amica hazard insurance included in homeowners insurance?
Yes, Amica’s homeowners insurance includes hazard coverage for fire, windstorms, and other natural disasters.
Is Amica cheaper than Geico?
For most drivers, Geico is cheaper than Amica. However, Amica may offer better coverage and service.
Which insurer has better customer service?
Amica consistently scores higher than Geico in customer satisfaction and claims handling.
Which company is best for bundling home and auto insurance?
Amica underwrites its own home insurance policies, making it a strong choice for bundling. Geico offers home insurance through partners, which may lead to cost savings but less seamless service.
For the best policy, compare quotes from both insurers and tailor coverage to your needs.
Want to know more about other insurances, Read our latest articles.
