Esurance vs. GEICO Car Insurance: Reviews and Quotes

Find the Cheapest Auto Insurance Quotes in Your Area

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If you're shopping for car insurance, Esurance and GEICO are worthy options, as they are two large insurers with a strong financial record and are available in most parts of the country. For drivers looking for the cheapest rate, we recommend GEICO, which offers more affordable car insurance quotes in most states. GEICO’s auto insurance premiums averaged $2,500 per year or $208 per month, while premiums at Esurance averaged $3,039 per year or $253 per month.

Best forInsurer
PriceGEICO
Coverages and discountsTie
Shopping experienceEsurance
Claims processingTie
Overall customer satisfactionGEICO

Esurance vs. GEICO: Who’s cheaper?

GEICO, on average, offers cheaper car insurance than Esurance. Average annual auto insurance premiums at GEICO are $2,500, or $208 per month, compared to Esurance's annual rate of $3,039, or $253 per month. Premiums at GEICO and Esurance differ by $539 per year.

However, in some states — including Michigan and Pennsylvania — Esurance's rates were cheaper than GEICO's. Furthermore, the annual cost disparity between the insurers was sometimes as high as $2,000, such as in New York. Given the variability in rates, it's always a good idea to get a quote from multiple insurers when shopping for car insurance.

Esurance vs. GEICO in 10 large U.S. states

StateEsuranceGEICO
Arizona$2,477$2,201
Georgia$2,572$1,806
Maryland$3,856$3,268
Michigan$4,373$5,183
Missouri$3,566$3,382
New Jersey$2,052$1,557
New York$4,556$2,492
Ohio$1,834$1,489
Pennsylvania$1,254$1,526
Texas$3,852$2,093
Average$3,039$2,500

To compare costs, we collected auto insurance quotes from the 10 most populated states where both Esurance and GEICO offer policies and quotes were available.

Esurance vs. GEICO: Customer service, reviews and satisfaction

We explore how customers rate their Esurance and GEICO car insurance policies based on the insurance shopping experience, claims processing satisfaction and overall complaints.

Esurance offers a better shopping experience

When examining the auto insurance shopping experience, including how customers rate their overall satisfaction, policy offerings and other features, Esurance consistently performed better than GEICO. Below, we include the results from J.D. Power's 2019 U.S. Insurance Shopping Study, which used a large customer survey to rate the largest car insurers in the country. Ratings are based on a 5-point scale.

InsurerOverall satisfactionPolicy offeringsPriceCall centerWebsite
Esurance44444
GEICO33333

Esurance and GEICO rank similarly for claims satisfaction

Regarding claims satisfaction, customers rate Esurance and GEICO similarly, with some differences across individual categories such as rental car experience and claims settlement. We share the results from J.D. Power’s 2018 U.S. Auto Claims Satisfaction Study. Ratings are based on a 5-point scale.

InsurerOverall satisfactionFirst notice of lossEstimationRepairRentalsServicingSettlement
Esurance3334532
GEICO3333533

GEICO receives fewer complaints than expected, compared to Esurance

GEICO receives better customer service ratings than Esurance, based on the National Association of Insurance Commissioners' (NAIC) complaint index.

Esurance received a complaint index of 1.29 in 2018, which was higher than the national median of 1.00, as well as GEICO's complaint index of 0.92. Esurance's higher complaint index indicates the insurer received a higher frequency of complaints than expected for a company of its size.

For both Esurance and GEICO, the most common complaints were related to claims processing delays and unsatisfactory settlement.

Both Esurance and GEICO offer sophisticated online experiences

For online shoppers, an insurer's ability to offer a seamless digital customer service experience can be a crucial selling point. Fortunately, as direct-to-consumer insurance providers, or those that don't rely on a network of agents, Esurance and GEICO both excel in this domain. Both insurers, for example, offer customers a mobile app for policy management and other services.

Esurance's online and mobile tools include:

  • Coverage counselor to determine appropriate coverages for a given customer based on a short survey.
  • Photo claims estimates that allow customers to submit pictures via mobile app for claims appraisals.
  • RepairView that lets customers track car repairs and claims processing.
  • Fuelcaster to predict gas price changes, which helps customers save when filling up their tanks.

GEICO's online and mobile tools include:

  • Coverage calculator, which asks users a series of brief questions to make personalized coverage recommendations and inform customers about eligible discounts.
  • In-app roadside assistance to help customers request towing and other helpful services in times of need.
  • Virtual assistant, known as Kate, to answer user questions around the clock.
  • Vehicle care that informs customers of their car's maintenance history.

Esurance vs. GEICO: Compare coverage options and discounts

As two large insurers, both Esurance and GEICO offer full-coverage car insurance policies that include the standard coverages required or recommended in most states.

Most coverages offered are the same at both insurers, though GEICO provides accident forgiveness and mechanical breakdown coverage, whereas Esurance does not. On the other hand, Esurance offers gap insurance, which is not available at GEICO.

The standard coverages offered at both Esurance and GEICO include:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection (PIP)
  • Medical payments
  • Comprehensive and collision
  • Uninsured and underinsured motorist

Esurance and GEICO tied for discounts

Esurance and GEICO offer similar discounts to policyholders, both in terms of the amount of discount applied and diversity available. These discounts are usually related to vehicle equipment installations, driving history and customer loyalty. While there is no clear winner for discounts, Esurance does offer a unique deduction based on driving behavior tracked via mobile app that is not offered by GEICO.

Below, we list discounts available at Esurance and GEICO, including the potential savings offered:

DiscountEsuranceGEICO
Antilock brakes5%5%
Antitheft system5%–25%25%
Daytime running lightsN/A1%
Good driver history (based on claims filings or driving record)10%–40%26%
Good driving habits (tracked via mobile app)8%N/A
Safety device (e.g., air bags or automatic seat belts)2%–33%25%–40%
Defensive driving10%Varies
Good student10%15%
Federal employeeN/A8%
Military affiliationN/A15%
Fast 55%N/A
Emergency roadside assistance5%N/A
MultivehicleVaries25%
MultipolicyVariesVaries
Paid-in-full10%N/A
Fast 5 is a discount offered by Esurance that grants a 5% discount of the first policy term to customers who initiate the quote process online at the Esurance website.

Your discounts may differ based on location and driver profile, and insurers may place a cap on the total potential reduction in annual premium costs. Furthermore, some discounts may be applicable to only specific coverages, such as personal injury protection, rather than the entire policy.

GEICO vs. Esurance: Company structure and policy availability

GEICO, which is available in all 50 states, underwrites policies under several subsidiary names, including GEICO General, GEICO Casualty and GEICO Indemnity.

Esurance, which offers auto insurance policies in 43 states, is owned by the national insurer Allstate. The seven states you could get GEICO, but not Esurance, are Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont and Wyoming.

Methodology

This analysis used car insurance quotes from thousands of ZIP codes across the 10 largest states in the U.S. by population where both Esurance and GEICO offer policies and quotes were available.

Sample drivers were 30-year-old men who drove a 2015 Honda Civic EX. All other variables affecting the cost of car insurance were consistent, including marital status (drivers were single) and driving record (clean). Coverage levels are listed below and are slightly higher than any one state's minimum coverage requirements:

Coverage typeStudy limits
Bodily liability$50,000 per person/$100,000 per accident
Property damage$25,000 per accident
Uninsured/Underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible
Personal injury protection (PIP)Minimum when required by state

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

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