GEICO vs. Amica Car Insurance

In our most recent ranking of the best overall car insurance providers, we named GEICO cheapest widely available insurer. That’s reflected in its average premiums, which are cheaper than both the national average and Amica’s average rate.

In terms of business and financial ratings: both companies have strong ratings from the BBB and AM Best, the latter of which assesses ability to pay out claims.

Finally, both GEICO and Amica have higher-than-average NAIC complaint scores, which indicate they receive more complaints than expected for an insurer of their size. However, Amica’s rating of 1.08 is far better than GEICO’s rating of 2.69. (A score of 1 is considered average.)

GEICO Is Better For:

• Drivers who prioritize the lowest possible prices
• Drivers with low credit, DUIs, accidents, or other violations
• Drivers who prefer to self-service online

Amica Is Better For:

• People who prioritize great customer service and claims handling
• Homeowners who plan to purchase full coverage
• Drivers with a clean record

Generally, GEICO has cheaper overall rates, especially for high-risk drivers. One noteworthy figure: drivers with a DUI on average over $5,000 more per year for Amica than GEICO.

If you’re considered a high-risk driver and are prioritizing affordability, GEICO is your best bet. If you’ve got a clean driving record, it’s worth checking out Amica for a potentially competitive rate.

Keep in mind your quoted rate might differ from the averages we list below. We recommend getting three different quotes before deciding on an insurer.

Drivers will find standard coverage options from both GEICO and Amica, including liability, comprehensive and collision, medical payments, personal injury protection (PIP), and uninsured/underinsured motorists.

Both companies also offer optional coverage options you can add to your policy:

Coverage options vary by state, so always confirm what’s available in your area by checking your quote or reaching out to your agent.

If you plan to bundle, note that GEICO doesn’t underwrite its own home or renters insurance. Instead, it partners with third-party insurers to offer coverage, meaning your actual policy and claims experience will depend on which partner company you’re placed with. Amica directly underwrites its own policies and is consistently rated among the top home insurers for customer satisfaction, making it a more predictable and often preferred choice for homeowners who prioritize service.

GEICO and Amica both offer many of the same auto insurance discounts, including common ones like bundling and multicar discounts. However, you may find you’re eligible for more discounts from one company, which can affect who gives you a lower rate.

The table below lists the main discounts from GEICO and Amica. Discounts vary by state, so confirm what’s available where you live.

Overall, customers are more satisfied with Amica’s customer service than with GEICO’s based on various industry studies and data. Here’s how the companies compare:

Claims Satisfaction

In the J.D. Power 2025 U.S. Auto Claims Satisfaction Study, Amica outscored GEICO with an above-average score of 718 out of 1,000, putting it in 7th place out of 22 insurers rated. Meanwhile, GEICO scored 697, or below the average of 700, putting it in 15th place.³

Amica also outscored GEICO in the 2026 CRASH Network Report Card, which tracks auto shops’ experiences dealing with insurers. Amica received a B+ grade with a numerical score of 920, while GEICO got a C- grade with a score of 423. It’s worth noting that none of the 10 largest insurers scored higher than a C+.⁴

Customer Service

We typically gauge customer service by J.D. Power’s U.S. Auto Insurance Study, which tracks overall customer satisfaction with insurers. However, in the 2025 iteration, Amica was not included in most of the regional studies, likely due to its status as a smaller firm.

However, the score that Amica did receive is telling. For New England, Amica received a score of 735, which far outstrips GEICO’s score of 639 and the regional average of 625. This underscores Amica’s reputation for top customer service.

Unlike Amica, GEICO does show up in all regional studies. Most of its scores are moderately above average, though it does score below average in a few regions.

Here is a breakdown of each company’s score (out of 1,000) by region:

According to the National Association of Insurance Commissioners (NAIC), both companies receive more complaints than average, but Amica wins in this area. On NAIC’s Complaint Index, GEICO had a complaint index of 2.69,⁵ while Amica’s was 1.08.⁶

An index of 1 indicates the expected amount of complaints for a company in the market. A lower score is considered better, reflecting fewer complaints.

Shopping

GEICO scored slightly below average on J.D. Power’s 2025 U.S. Insurance Shopping Study, while a score was not available for Amica. The study evaluates factors like the quote and purchase processes, policy offerings, price, and distribution channel.

GEICO and Amica both have robust online platforms and mobile apps through which policyholders can file claims, access policy information, get roadside assistance and more. Here’s a breakdown of each app:

J.D. Power’s 2025 U.S. Insurance Digital Experience Study indicates that customers are more satisfied overall with Amica’s digital tools over GEICO’s.⁷ Amica ranked near or at the top for both categories, while GEICO scored below average for both.

If you’re choosing between GEICO and Amica, consider that Amica has far better customer service and claims handling, and more options for you to personalize your plan with add-ons. Amica is more likely to offer competitive rates to drivers with clean records, while GEICO is far cheaper on average, especially for high-risk categories like DUI and low credit.

We recommend verifying your rate by getting a quote, but several things can factor into your rate. For instance, both insurers offer ample discounts that can lower rates. This includes usage-based telematics programs with significant savings if you drive safely, but GEICO’s DriveEasy program is more widely available than Amica’s StreetSmart program.

Finally, both companies have strong financial strength ratings from AM Best and high ratings from the BBB, meaning they are trustworthy and able to pay out claims.

At AutoInsurance.com, we use four key factors to evaluate auto insurers:

• Price (40%): We analyze average premiums for both full and minimum coverage for a standard driving profile of a good driver with good credit. We also looked at rates for other driver profiles, including those with violations or low credit. We also consider available discounts. Full coverage averages use the following limits:
  • Bodily injury liability: $100,000 per person/$300,000 per accident
  • Property damage liability: $50,000 per accident
  • Uninsured and underinsured motorist bodily injury: $100,000 per person/$300,000 per accident
  • Comprehensive and collision: $500 deductible
• Claims handling (25%): An auto insurer’s claims handling process should be quick, transparent and efficient, with clear communication, fair evaluation of damages and timely payment or resolution. We assess claims practices using sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report and financial strength from sources like AM Best and S&P Ratings. We also include real-life customer experiences when possible.
• Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings and app store reviews.
• Coverage options (10%): We review each company’s coverage offerings and prioritize providers with options beyond the state-required minimums, such as accident forgiveness, gap coverage, rideshare coverage and more.

Read more about our ratings and methodology.