Esurance vs. Geico: Which provider is better?

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?

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

esuranceEsuranceGeicoGeico
PricePolicy costs depend your personal situation. Visit Esurance for a quote based on your specific needs.Policy costs depend your personal situation. Visit Geico for a quote based on your specific needs.
States served43 statesAll 50 states
User satisfaction*A+N/A
J.D. Power ratings**2/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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.

esuranceEsuranceGeicoGeico
Good studentUp to 10% — must be a full-time student who’s younger than 25 with a 3.0 GPAUp to 15% — must be a full time student between 16–24 years old and a 3.0 GPA
Defensive driverUp to 10% — must be at least 50, 55 or 60, depending on state residence and completed a defensive driving courseYes
Good driver30–40% — must have been driving for 3 years with 0–1 points on your driving recordUp to 26% — must be 5 years accident-free
Pay in fullYesNo
HomeownerYesNo
MiltiaryNoUp to 15% — active duty, retired or member of the National Guard or Reserves
Federal employeesNoUp to 8%
Emergency deploymentNoUp to 25% — member of the Enduring Freedom or Iraqi Freedom operational forces

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.

esuranceEsuranceGeicoGeico
Anti-theft device5%–25%Up to 25% — comprehensive
Anti-lock brake5%5% — collision
Passive restraints2%–33%N/A
Multi-car discountYesUp to 25%
Air BagYesUp to 25% — for driver-side airbags

40% — full-front seat airbag for medical payments or personal injury


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.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Go to site