Esurance vs. Geico: Which provider is better?

Esurance vs. Geico

Esurance, the online insurance company, is making it’s name known in the car insurance world, offering affordable coverage for just about any of your vehicles. It takes pride in a hassle-free experience and customers respect its low rates and excellent customer service.

Geico’s been around since 1936, and today is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind.

As two big names in the auto insurance industry, how do they fare up against each other in terms of ratings, discounts, prices and user satisfaction?

	Geico	Esurance
About the provider	Geico’s been around since 1936 is the nation’s second-largest auto insurance company. It streamlines the process of purchasing comprehensive car insurance for your peace of mind.	Esurance, the online insurance company, is making its name known in the car insurance world, offering affordable coverage for just about any of your vehicles. It takes pride in a hassle-free experience, and customers respect its low rates and excellent customer service.
Price	Policy costs depend your personal situation. Visit Geico for a quote based on your specific needs.	Policy costs depend your personal situation. Visit Esurance for a quote based on your specific needs.
States served	All 50 states	43 states
User satisfaction*	N/A	A+
J.D. Power ratings**	3/5 on overall claims satisfaction	3/5 on overall claims satisfaction
Driver discounts	View driver discounts	View driver discounts
Vehicle discounts	View vehicle discounts	View vehicle discounts
	Read Review	Get quotes from Esurance Read review

* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S. Auto Claims Satisfaction Study

Driver discounts

You can significantly lower your rates by checking out the driver discounts offered by Esurance and Geico.

	Geico	Esurance
Good student	15% (full-time student, between 16-24 and B average or better)	Up to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driver		Up to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driver	Up to 26% (5 years accident-free)	30-40% (driving for 3 years with 0-1 points on your driving record
Pay in full discount
Multicar	Up to 25%
Military	Up to 15% (active duty, retired of member of the National guard or Reserves)
Homeowner
Other discounts	Federal employee – Up to 8% Emergency deployment – Up to 25% (member of the Enduring Freedom or Iraqi Freedom operational forces) Multi-policy / Multi-line discount – Varies Membership and employee discount – Varies Seat belt use – 15% (medical payments or personal injury portion of premium)
	Read Review	Get quotes from Esurance Read review

Vehicle discounts

Both Esurance and Geico offer discounts for safety features like car alarms and air bags. See who has the better discounts.

	Geico	Esurance
Anti-theft device	Up to 25% (comprehensive portion of premium)	5-25%
Anti-lock brake	Up to 25% (comprehensive portion of premium)	5%
Passive restraints	N/A	2-33%
Air bag	Up to 25% for driver-side airbags, or 40% for full-front seat airbag (applies to medical payments or personal injury)
Other discounts	New vehicle discount
	Read Review	Get quotes from Esurance Read review

Bottom line

While both companies operate online, offering quick quotes and a streamlined claims process, Gieco is offered in all 50 states and offers additional discounts to those in the military or federal employees. Before making a decision about car insurance, always compare your options to find a provider that’s right for your needs.