Compare Amica Mutual vs. GEICO Insurance

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Amica Mutual and GEICO are both well-known companies in the auto insurance world. Amica was founded in 1907, and GEICO was founded in 1936. GEICO was rated the #1 insurer for 2016, and has excellent customer service and low premiums. On the flip side, Amica is liked for its quick follow-up after accidents and straightforward claims process.

However, Amica has a bad habit of dropping clients from their policy without advance notice, and GEICO lacks some basic coverage options. Still, Amica’s financial strength and J.D. Power ratings are superior to those of GEICO, though the latter offers far more driver discounts.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Amica Mutual GEICO
Best If Amica Mutual
  • You want a straightforward claims process
GEICO
  • You want great customer service and low premiums
Worst If Amica Mutual
  • You’re relying on impeccable customer service
GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)

Special Car Insurance Discounts

Amica Mutual GEICO
Amica Mutual

Legacy Discount is available to those under 30 and who have been with Amica under a family member’s insurance policy.

Anti-Theft Devices Discount is awarded to customers who install anti-theft devices like an alarm system, active or passive alarms, or vehicle recovery/tracking systems.

Electronic Stability Control Discount is available if your car has a factory-installed four-wheel electronic stability control system.

Platinum Choice Auto is another service offered by Amica that’s a bit more exclusive from the other discounts. With Platinum Choice, you can acquire multiple levels of security for your automobile all in one package. Some of the benefits of Platinum include being able to customize your package policy with individual coverage policies. These policies include Accident Forgiveness, Full Glass Coverage, Identity Fraud Monitoring, and Prestige Rental Coverage.

GEICO

GEICO offers a number of discounts for its auto, truck, and motorcycle insurance policyholders and their families. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts

Standard Car Insurance Discounts

Bundling Coverage Discounts Amica Mutual GEICO
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Amica Mutual GEICO
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Amica Mutual GEICO
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Amica Mutual GEICO
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Amica Mutual GEICO
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Amica Mutual GEICO
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Amica Mutual Insurance GEICO Car Insurance
2016 29 144
2015 59 283
2014 66 267
2013 61 188

U.S. Auto Insurance Shopping Study (2016)

Amica Mutual Insurance GEICO Car Insurance
Overall Purchase Experience Above average Below average
Policy Offerings Above average Average
Pricing Average Average
Local Agent Average Below average
Call Center Representative Among the best Average
Insurer Website -- Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

Amica Mutual Insurance GEICO Car Insurance
Overall Satisfaction Among the best Average
First Notice of Loss Among the best Above average
Service Interaction Average Below average
Appraisal Among the best Average
Repair Process Average Below average
Rental Car Experience Below average Among the best
Settlement Among the best Average

Financial Strength Ratings

Amica Mutual Insurance GEICO Car Insurance
A.M. Best A++ A++
Moody's -- Aa1-
S&P's A AA+

Mobile Apps

Amica Mutual GEICO
Amica Mutual

Amica Mobile lets you access the company’s website from your mobile device. From there, you can make payments, file and track claims, view and save insurance ID cards, and get quotes. You can download Amica Mobile here

GEICO

The GEICO Mobile App provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards
    • Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance
    • Contact GEICO direct from your mobile phone for help out on the road should you get a flat tire, have an accident, etc
  • Chat
    • Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app here.

Roadside Assistance

Amica Mutual GEICO
Amica Mutual

Amica Roadside Assistance

Roadside Assistance is available from Amica thru a Towing and Labor coverage add on to your current auto policy. Regardless if you're purchased Towing and Labor coverage, Amica roadside assistance can still help you get service to your vehicle.

Roadside Services Covered

  • Towing (non-accident related)
  • Changing flat tires
  • Jump-start battery
  • Delivering fuel
  • Unlocking doors

Contact Phone Number

You can reach roadside assistance at 866-286-9968 to receive help on the road almost instantly. 

GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send assistance even if you're not sure where you are.