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?

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Geico

Geico

Esurance

Esurance

About the providerGeico’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.
PricePolicy 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 servedAll 50 states43 states
User satisfaction*N/AA+
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

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* 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

Geico

Esurance

Esurance

Good student15% (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 driverUp to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driverUp to 26% (5 years accident-free)30-40% (driving for 3 years with 0-1 points on your driving record
Pay in full discount
MulticarUp to 25%
MilitaryUp 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)

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Vehicle discounts

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

Geico

Geico

Esurance

Esurance

Anti-theft deviceUp to 25% (comprehensive portion of premium)5-25%
Anti-lock brakeUp to 25% (comprehensive portion of premium)5%
Passive restraintsN/A2-33%
Air bagUp 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

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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.

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