Esurance vs. Geico Car Insurance: Reviews and Quotes

Esurance vs. Geico

Currently insured?
It's free, simple and secure.

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.

{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for minimum liability","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#cheapest","linkText":"Cheapest for minimum liability"}
{"eventCategory":"Visual TOC Item","eventLabel":"Best overall customer satisfaction","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#review","linkText":"Best overall customer satisfaction"}
{"eventCategory":"Visual TOC Item","eventLabel":"Best overall shopping experience","cloudinaryImageName":"referral_logos\/us\/insurance\/esurance-2","link":"#experience","linkText":"Best overall shopping experience"}
{"eventCategory":"Visual TOC Item","eventLabel":"Cheapest for minimum liability","cloudinaryImageName":"referral_logos\/us\/insurance\/esurance-2","link":"#cheapest","linkText":"Cheapest for minimum liability"}

{"eventCategory":"Visual TOC Item","eventLabel":"Best overall customer satisfaction","cloudinaryImageName":"referral_logos\/us\/insurance\/geico-5","link":"#review","linkText":"Best overall customer satisfaction"}

{"eventCategory":"Visual TOC Item","eventLabel":"Best shopping experience","cloudinaryImageName":"referral_logos\/us\/insurance\/esurance-2","link":"#experience","linkText":"Best shopping experience"}

Here, we sum up the pros and cons for both Esurance and Geico, and go into further detail below to help identify which company might be best for you.

Best for
Esurance
Geico
Price
Coverages and discounts
Shopping experience
Claims processing
Overall customer satisfaction
Esurance reviewGeico review

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.

comparing rates of Esurance vs Geico across 10 states

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

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

State
Esurance
Geico
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.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Geico\" href=\"https:\/\/www.valuepenguin.com\/geico-insurance-review\"\u003EGeico\u003C\/a\u003E\u003C\/span\u003E, on average, offers cheaper car insurance than \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Esurance\" href=\"https:\/\/www.valuepenguin.com\/Esurance-insurance-review\"\u003EEsurance\u003C\/a\u003E\u003C\/span\u003E. 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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImageResponsive--root\"\u003E\n \u003Cfigure class=\"ShortcodeImage--root ShortcodeImage--root-no-margin\"\u003E\n \u003Cpicture class=\"ShortcodeImage--picture\"\u003E\n \u003Csource\n media=\"(max-width: 1032.75px)\"\n data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/esurance-vs-geico-m_r2nydo 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/esurance-vs-geico-m_r2nydo 2x\"\n\/\u003E\n \u003Cimg alt=\"comparing rates of Esurance vs Geico across 10 states\" class=\"lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/esurance-vs-geico_sxqw69\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/esurance-vs-geico_sxqw69\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/esurance-vs-geico_sxqw69 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/esurance-vs-geico_sxqw69 2x\"\u003E\n \u003C\/picture\u003E\n \u003C\/figure\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-QuoteWizardQuoteForm\" data-component-name=\"QuoteWizardQuoteForm\"\u003E\n \u003Cdiv class=\"QuoteWizardQuoteForm--root\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--form-container\"\u003E\u003Ch3 class=\"QuoteWizardQuoteForm--title\"\u003EFind Cheap Auto Insurance Quotes in Your Area\u003C\/h3\u003E\u003Cform id=\"QuoteWizardQuoteForm--509\" class=\"QuoteWizardQuoteForm--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C30088\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_compare-esurance-vs-geico-car-insurance\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"VPT1\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--fields\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--product\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"Select\" class=\"InputDropdown--select\" name=\"\"\u003E\u003Coption selected=\"\" value=\"auto\"\u003EAutomotive\u003C\/option\u003E\u003Coption value=\"home\"\u003EHomeowners\u003C\/option\u003E\u003Coption value=\"life\"\u003ELife\u003C\/option\u003E\u003Coption value=\"motorcycle\"\u003EMotorcycle\u003C\/option\u003E\u003Coption value=\"renters\"\u003ERenters\u003C\/option\u003E\u003Coption value=\"health\"\u003EHealth\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--zip-code\"\u003E\u003Cdiv class=\"ZipCodeInput--root \"\u003E\u003Cdiv class=\"TextInput--root TextInput--required ZipCodeInput--input\"\u003E\u003Cdiv class=\"TextInput--field TextInput--none TextInput--field-container\"\u003E\u003Cinput type=\"tel\" aria-label=\"zip\" class=\"TextInput--input\" name=\"zip\" placeholder=\"Zip Code\" required=\"\" style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--age\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"age\" class=\"InputDropdown--select\" name=\"age\"\u003E\u003Coption selected=\"\" value=\"age\"\u003EAge\u003C\/option\u003E\u003Coption value=\"16\"\u003E16-20\u003C\/option\u003E\u003Coption value=\"21\"\u003E21-24\u003C\/option\u003E\u003Coption value=\"25\"\u003E25-34\u003C\/option\u003E\u003Coption value=\"35\"\u003E35-44\u003C\/option\u003E\u003Coption value=\"45\"\u003E45-54\u003C\/option\u003E\u003Coption value=\"55\"\u003E55-65\u003C\/option\u003E\u003Coption value=\"66\"\u003E65+\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently insured?\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-field\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"prior\" class=\"InputDropdown--select\" name=\"prior\"\u003E\u003Coption selected=\"\" value=\"1\"\u003EYes\u003C\/option\u003E\u003Coption value=\"0\"\u003ENo\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--submit\"\u003E\u003Cbutton aria-label=\"Find Insurers\" class=\"Button--root Button--primary \" type=\"submit\" value=\"Find Insurers\"\u003EFind Insurers\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"Find Insurers\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--509\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"isZipGeolocated\":false,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":false,\"style\":\"\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Your Area\",\"trackingKey\":\"_compare-esurance-vs-geico-car-insurance\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EHowever, in some states \u2014 including Michigan and Pennsylvania \u2014 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.\u003C\/p\u003E\n\n\u003Chr\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EEsurance vs. Geico in 10 large U.S. states\u003C\/strong\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EState\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EEsurance\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EArizona\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,477\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,201\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeorgia\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,572\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,806\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMaryland\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,856\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,268\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMichigan\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,373\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$5,183\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMissouri\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,566\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,382\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENew Jersey\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,052\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,557\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENew York\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$4,556\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,492\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOhio\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,834\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,489\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPennsylvania\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,254\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,526\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETexas\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$3,852\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$2,093\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cstrong\u003EAverage\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$3,039\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$2,500\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"State\",\"Esurance\",\"Geico\"],[\"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\"],[\"\\u003Cstrong\\u003EAverage\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$3,039\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$2,500\\u003C\\\/strong\\u003E\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"To compare costs\" href=\"https:\/\/www.valuepenguin.com\/auto-insurance\"\u003ETo compare costs\u003C\/a\u003E\u003C\/span\u003E, we collected auto insurance quotes from the 10 most populated states where both Esurance and Geico offer policies and quotes were available.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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:

Discount
Esurance
Geico
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%
Online quote5%N/A
MultivehicleVaries25%
Show All Rows

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.

Esurance vs. Geico: Compare coverage options

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:

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


Geico vs. Esurance: State availability

Geico, which is available in all 50 states, underwrites policies under several subsidiary names.

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

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch2\u003EEsurance and Geico tied for discounts\u003C\/h2\u003E\n\n\u003Cp\u003EEsurance 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.\u003C\/p\u003E\n\n\u003Cp\u003EBelow, we list discounts available at Esurance and Geico, including the potential savings offered:\n\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"50%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cYhBaB\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EDiscount\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EEsurance\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAntilock brakes\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAntitheft system\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5%\u201325%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E25%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDaytime running lights\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E1%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGood driver history (based on claims filings or driving record)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E10%\u201340%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E26%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGood driving habits (tracked via mobile app)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E8%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESafety device (e.g., air bags or automatic seat belts)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2%\u201333%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E25%\u201340%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDefensive driving\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E10%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EVaries\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGood student\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E10%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E15%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFederal employee\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E8%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMilitary affiliation\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E15%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOnline quote\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMultivehicle\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EVaries\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E25%\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu ckEygv\"\u003EShow All Rows\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[],\"alignsVertical\":[],\"columnWidths\":[\"50%\",\"25%\",\"25%\"],\"data\":[[\"Discount\",\"Esurance\",\"Geico\"],[\"Antilock brakes\",\"5%\",\"5%\"],[\"Antitheft system\",\"5%\\u201325%\",\"25%\"],[\"Daytime running lights\",\"N\\\/A\",\"1%\"],[\"Good driver history (based on claims filings or driving record)\",\"10%\\u201340%\",\"26%\"],[\"Good driving habits (tracked via mobile app)\",\"8%\",\"N\\\/A\"],[\"Safety device (e.g., air bags or automatic seat belts)\",\"2%\\u201333%\",\"25%\\u201340%\"],[\"Defensive driving\",\"10%\",\"Varies\"],[\"Good student\",\"10%\",\"15%\"],[\"Federal employee\",\"N\\\/A\",\"8%\"],[\"Military affiliation\",\"N\\\/A\",\"15%\"],[\"Online quote\",\"5%\",\"N\\\/A\"],[\"Multivehicle\",\"Varies\",\"25%\"],[\"Multipolicy\",\"Varies\",\"Varies\"],[\"Paid-in-full\",\"10%\",\"N\\\/A\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EYour 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.\u003C\/p\u003E\n\n\u003Ch2\u003EEsurance vs. Geico: Compare coverage options\u003C\/h2\u003E\n\n\u003Cp\u003EAs two large insurers, both Esurance and Geico offer \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"full-coverage\" href=\"https:\/\/www.valuepenguin.com\/what-full-coverage-car-insurance\"\u003Efull-coverage\u003C\/a\u003E\u003C\/span\u003E car insurance policies that include the standard coverages \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"required\" href=\"https:\/\/www.valuepenguin.com\/minimum-car-insurance-required-your-state\"\u003Erequired\u003C\/a\u003E\u003C\/span\u003E or recommended in most states.\u003C\/p\u003E\n\n\u003Cp\u003EMost 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.\u003C\/p\u003E\n\n\u003Cp\u003EThe standard coverages offered at both Esurance and Geico include:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"50%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cYhBaB\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003ECoverage\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r fMHVPd\"\u003E\u003Cspan\u003EEsurance\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"25%\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd cpKuTf\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r fMHVPd\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EBodily injury liability\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProperty damage liability\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPersonal injury protection (PIP)\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMedical payments\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EComprehensive and collision\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"50%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUninsured and underinsured motorist\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee fvclqP\"\u003E\u003Cdiv class=\"ShortcodeIcon--root\"\u003E\n \u003Cspan class=\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\"\u003E\u003C\/span\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"center\",\"center\"],\"alignsVertical\":[],\"columnWidths\":[\"50%\",\"25%\",\"25%\"],\"data\":[[\"Coverage\",\"Esurance\",\"Geico\"],[\"Bodily injury liability\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Property damage liability\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Personal injury protection (PIP)\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Medical payments\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Comprehensive and collision\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"],[\"Uninsured and underinsured motorist\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\",\"\\u003Cdiv class=\\\"ShortcodeIcon--root\\\"\\u003E\\n \\u003Cspan class=\\\"ShortcodeIcon--icon ShortcodeIcon--small ShortcodeIcon--blue ValuePenguinIcon--check\\\"\\u003E\\u003C\\\/span\\u003E\\n\\u003C\\\/div\\u003E\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cbr\u003E\u003C\/p\u003E\n\n\u003Ch2 id=\"availability\"\u003EGeico vs. Esurance: State availability\u003C\/h2\u003E\n\n\u003Cp\u003EGeico, which is available in all 50 states, underwrites policies under several subsidiary names.\u003C\/p\u003E\n\n\u003Cp\u003EEsurance, which offers auto insurance policies in 43 states, is owned by the national insurer Allstate. The seven states in which you could get Geico, but not Esurance, are Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont and Wyoming.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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.

Feature
Esurance
Geico
Overall satisfaction43
Policy offerings43
Price43
Call center experience43
Website43
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 id=\"experience\" class=\"align-center\"\u003EEsurance offers a better shopping experience\u003C\/h3\u003E\n\n\u003Cp\u003EWhen 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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EFeature\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EEsurance\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOverall satisfaction\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPolicy offerings\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPrice\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECall center experience\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EWebsite\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Feature\",\"Esurance\",\"Geico\"],[\"Overall satisfaction\",\"4\",\"3\"],[\"Policy offerings\",\"4\",\"3\"],[\"Price\",\"4\",\"3\"],[\"Call center experience\",\"4\",\"3\"],[\"Website\",\"4\",\"3\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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.

Feature
Esurance
Geico
Overall satisfaction33
First notice of loss33
Estimation of process33
Repair process43
Rental experience55
Claim servicing33
Settlement23
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003EEsurance and Geico rank similarly for claims satisfaction\u003C\/h3\u003E\n\n\u003Cp\u003ERegarding 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\u2019s 2018 U.S. Auto Claims Satisfaction Study. Ratings are based on a 5-point scale.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EFeature\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EEsurance\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EGeico\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EOverall satisfaction\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFirst notice of loss\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EEstimation of process\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ERepair process\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ERental experience\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E5\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EClaim servicing\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ESettlement\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E3\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\",\"right\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Feature\",\"Esurance\",\"Geico\"],[\"Overall satisfaction\",\"3\",\"3\"],[\"First notice of loss\",\"3\",\"3\"],[\"Estimation of process\",\"3\",\"3\"],[\"Repair process\",\"4\",\"3\"],[\"Rental experience\",\"5\",\"5\"],[\"Claim servicing\",\"3\",\"3\"],[\"Settlement\",\"2\",\"3\"]],\"footnote\":\"\",\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003EGeico receives fewer complaints than expected, compared to Esurance\u003C\/h3\u003E\n\n\u003Cp\u003EGeico receives better customer service ratings than Esurance, based on the National Association of Insurance Commissioners' (NAIC) complaint index.\u003C\/p\u003E\n\n\u003Cp\u003EEsurance 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.\u003C\/p\u003E\n\n\u003Cp\u003EFor both Esurance and Geico, the most common complaints were related to claims processing delays and unsatisfactory settlement.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

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

  • 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

  • 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 to answer user questions around the clock.
  • Vehicle care that informs customers of their car's maintenance history.
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Ch3 class=\"align-center\"\u003EBoth Esurance and Geico offer sophisticated online experiences\u003C\/h3\u003E\n\n\u003Cp\u003EFor 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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"full pad-none align-left clearfix\"\u003E\n\u003Cdiv class=\"half pad-half align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeInfoBox--root\"\u003E\n \u003Cdiv class=\"ShortcodeInfoBox--titleWrapper ShortcodeInfoBox--titleWrapper-box-shadow\n \"\u003E\n \u003Cp class=\"ShortcodeInfoBox--title\"\u003EEsurance's online and mobile tools\u003C\/p\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\"ShortcodeInfoBox--content ShortcodeInfoBox--content-box-shadow\n \"\u003E\n \n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECoverage counselor\u003C\/strong\u003E to determine appropriate coverages for a given customer based on a short survey.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EPhoto claims estimates\u003C\/strong\u003E that allow customers to submit pictures via mobile app for claims appraisals.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ERepairView\u003C\/strong\u003E that lets customers track car repairs and claims processing.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EFuelcaster\u003C\/strong\u003E to predict gas price changes, which helps customers save when filling up their tanks.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003Cdiv class=\"half pad-half align-left clearfix\"\u003E\n\u003Cdiv class=\"ShortcodeInfoBox--root\"\u003E\n \u003Cdiv class=\"ShortcodeInfoBox--titleWrapper ShortcodeInfoBox--titleWrapper-box-shadow\n \"\u003E\n \u003Cp class=\"ShortcodeInfoBox--title\"\u003EGeico's online and mobile tools\u003C\/p\u003E\n \u003C\/div\u003E\n\n \u003Cdiv class=\"ShortcodeInfoBox--content ShortcodeInfoBox--content-box-shadow\n \"\u003E\n \n\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003ECoverage calculator\u003C\/strong\u003E, which asks users a series of brief questions to make personalized coverage recommendations and inform customers about eligible discounts.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EIn-app roadside assistance\u003C\/strong\u003E to help customers request towing and other helpful services in times of need.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EVirtual assistant\u003C\/strong\u003E to answer user questions around the clock.\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cstrong\u003EVehicle care\u003C\/strong\u003E that informs customers of their car's maintenance history.\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\n\n \u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/div\u003E\n","padding":"double"}

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 type
Study 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.