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Esurance vs. Geico: Which provider is better?

Both insurers offer cheap rates and digital app management, but is the average service worth it?

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Esurance vs. Geico

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

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?

Our top pick: Esurance

Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

  • Online quotes in minutes
  • Competitive pricing
  • Mobile claims filing
  • Customized coverage
  • 24/7 claims service
  • Convenient mobile app
 

Esurance

Geico

OVERVIEW

OVERVIEW
About the provider
About the brand Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs. Stack discounts up to 40% off already low premiums, with convenient mobile services like proof of insurance and claims.
States served
States served All states except AK, DE, HI, MT, NH, VT, WY All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
In-person
Online
Phone
Agent
Payment schedule
Payment schedule 12 months
monthly
12 months
6 months
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes, up to 25%
Bundling discount
Bundling discount Yes Varies
Home owner discount
Home owner discount Yes No
Military discount
Military discount Yes Yes, up to 15%
Multi car discount
Multi car discount Yes Yes, up to 25%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes, up to 15%
Safe driver discount
Safe driver discount Yes Varies
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Yes, up to 15%
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

While both companies operate online, offering quick quotes and a streamlined claims process, Geico 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.

Compare alternatives to Esurance and Geico

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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