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Esurance vs. Geico: Which provider is better?

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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?

  • CoverageMyWay® customized coverage
  • 24/7 claims service
  • Convenient mobile app

Our top pick: Esurance

Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

  • First-rate site with quotes in minutes
  • Competitive pricing
  • A+ BBB rating
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Promoted
Geico

Geico

 Esurance

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
Go to site | 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

Geico

 Esurance

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)
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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 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
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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 alternatives to Esurance and Geico

Name Product Roadside assistance New car protection Accident forgiveness Available states
Progressive
Progressive
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Metromile
Metromile
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Go to site
More Info
Geico
Geico
Optional
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
Go to site
More Info
Allstate
Allstate
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Go to site
More Info
Liberty Mutual
Liberty Mutual
Optional
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
Go to site
More Info
Root
Root
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
Go to site
More Info
Esurance
Esurance
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
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More Info
Farmers
Farmers
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
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More Info

Compare up to 4 providers

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