Esurance vs. Geico Auto Insurance Comparison
When you compare Geico to Esurance, Geico offers cheaper rates, more add-on coverage options, and better customer service in most cases. Still, Esurance is a respectable contender with reasonable rates and strong ratings.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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If you’re shopping for car insurance, you may want to consider Geico and Esurance auto insurance quotes. If you compare the two companies, you’ll find that Geico offers lower rates and more add-on coverage options, but Esurance is also a well-known company that has a lot to offer its policyholders.
In most cases, Esurance car insurance quotes are higher than quotes from Geico. Still, the initial price is not the only factor you should consider when shopping for auto insurance. In addition, you should consider the coverages you want, discount options, and special features like mobile apps and customer service.
Comparing Geico vs. Esurance is not enough to get the perfect coverage. For example, when you shop for car insurance, you should evaluate auto insurance quotes from several companies to determine which is the best. Doing so will help you get exactly what you need without paying too much for coverage.
- Geico offers cheaper rates, more coverage add-ons, and better customer service ratings
- Esurance car insurance has good ratings and reviews
- Geico is available in more states and offers several different discount options
Esurance vs. Geico Auto Insurance: What should I know?
Geico and Esurance are both popular car insurance companies that offer plenty of options to potential customers. Esurance was founded in 1999 and offers the following:
- Online policies and a helpful mobile app
- An intuitive company website
- Cheap rates for many people with poor driving record
In contrast, Geico was founded in 1936 and is currently one of the nation’s three most popular auto insurance companies. With Geico, you can expect the following:
- An easy online quote process
- Low auto insurance rates
- Discount options for cheaper coverage
Esurance offers renters, homeowners, motorcycle, and car insurance policies. Geico offers several insurance products, including home, renters, boat, and condo insurance. In addition, Geico and Esurance offer discounts for bundling policies to include multiple types of insurance.
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Esurance vs. Geico Auto Insurance: Which has better ratings?
Esurance has an A- rating with the Better Business Bureau (BBB). Geico has an A+ rating with the BBB. In addition, Esurance has an A+ (Excellent) financial strength rating with A.M. Best, while Geico has an A++ (Superior) financial strength rating with the company.
Esurance has 864 out of 1,000 points for the J.D. Power Insurance Shopping Rating, and Geico has 869. Lastly, Esurance has 871 out of 1,000 points for the J.D. Power Auto Claims Satisfaction Rating, while Geico has 881 points.
In all of the above categories, Geico scores slightly higher than Esurance. Still, both companies have competitive ratings and could be a good choice for car insurance.
Esurance vs. Geico Auto Insurance: How much is car insurance?
Geico offers lower rates for car insurance coverage than Esurance, but the amount you will pay for car insurance depends on several factors. For example, insurance companies will consider your age, driving history, credit score, location, auto insurance coverage, and more when determining your monthly or annual rates.
Esurance vs. Geico Auto Insurance: Which company is cheaper?
As stated previously, Geico offers lower rates on average than Esurance. Still, you may find that Esurance offers lower auto insurance rates based on your unique situation. You will have to get Geico and Esurance insurance quotes to know how much you will pay for coverage with each company.
Which company is the cheapest for most drivers?
Geico offers cheaper rates for minimum coverage than Esurance. A minimum coverage policy with Geico will cost around $396 annually or $33 each month.
Liability Auto Insurance Rates by Provider
Insurance Company Monthly Rates
$61
$44
$37
$53
$30
$67
$44
$39
$33
$38
$22
U.S. Average $45
Minimum coverage with Esurance costs around $555 annually or $46 each month. However, the companies are almost the same if you’re looking for a full coverage policy. An annual premium with Geico for full coverage is $1,380, which equates to $115. Esurance charges $1,372 annually or $114 per month.
Which company has cheaper auto insurance rateswith driving violations?
If you have driving violations on your record, you may pay higher-than-average rates for car insurance coverage in your state.
Auto Insurance Monthly Rates by Driving Record & Provider
Insurance Company One Ticket Clean Record One DUI One Accident
$195 $166 $303 $237
$131 $116 $177 $167
$139 $111 $201 $175
$176 $140 $191 $199
$217 $177 $325 $237
$145 $120 $252 $165
$143 $109 $147 $190
$102 $91 $124 $107
$148 $107 $230 $157
U.S. Average $152 $123 $218 $177
Esurance offers cheaper rates if you have a speeding ticket on your record. The company charges $1,752 annually or $146 per month, while Geico charges $2,158 annually or $180 per month.
You’ll probably pay less with Geico if you have one or more at-fault accidents on your record. Geico charges $1,380 annually or $115 per month for someone with an accident on their record. Esurance charges around $2,161 annually or $180 for the same demographic.
Individuals with a DUI on their record could pay up to 100% more for car insurance. Still, rates with Esurance and Geico are almost identical. Esurance charges around $3,448 annually or $287 per month for coverage with a DUI. Geico charges around $3,484 annually or $290 each month.
Which company offers cheaper auto insurance coverage for teen and young adult drivers?
Teens and young adult drivers may pay less for car insurance with Esurance than with Geico.
Teen Full Coverage Auto Insurance Monthly Rates by Provider, Age, & Gender
Insurance Company Age: 16 Female Age: 16 Male Age: 18 Female Age: 18 Male
$608 $638 $448 $519
$452 $456 $333 $371
$778 $742 $573 $603
$298 $312 $220 $254
$716 $778 $528 $633
$411 $476 $303 $387
$801 $814 $591 $662
$311 $349 $229 $284
$709 $897 $523 $729
The average cost of car insurance for a teen driver is $4,598 annually or $383 per month with Esurance. Geico charges around $5,302 annually or $442 for the same type of coverage. As you get older, you should notice that your car insurance rates decrease.
You may be able to add yourself to a parent’s policy to get cheaper car insurance rates. Choosing a lower level of coverage should also help you pay less for your auto insurance. In addition, some insurance companies offer discounts for teens and young adults who take safe or defensive driving courses.
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Esurance vs. Geico Auto Insurance: Which company offers better discounts?
Geico and Esurance offer usage-based insurance discounts for drivers willing to let the company monitor their driving habits. However, Esurance does not specify its company discounts outside of a usage-based discount. Instead, the company website states that auto insurance discounts vary based on location.
Geico offers the following discount options to its policyholders:
- Anti-theft device discount
- Multi-policy discount
- Defensive driving discount
- Deployment discount
- Driver training discount
- Federal employee discount
- Good student discount
- Military discount
- Multi-car discount
- New vehicle discount
- Safe driver discount
Discounts can help you save up to 25% on auto insurance coverage. If you qualify for a discount, you can speak with an Esurance or Geico representative to see how much you could save on your car insurance rates.
Esurance vs. Geico Auto Insurance: Which company offers better coverage?
Esurance and Geico offer the standard coverage options you would expect from a well-known car insurance company. Some of these coverages include:
- Bodily injury liability
- Property damage liability
- Uninsured/underinsured motorist coverage
- Comprehensive insurance
- Collision insurance
- Personal injury protection (PIP)
- Medical payments (MedPay)
- Roadside assistance
- Rental reimbursement
In addition to the coverages listed above, Esurance offers rideshare insurance and GAP coverage in certain locations. Geico provides coverages like accident forgiveness and mechanical breakdown insurance as well.
Esurance vs. Geico Auto Insurance: Which is available in more locations?
Geico offers car insurance in all 50 states and the District of Columbia. Esurance auto insurance is available in 43 states. The states in which Esurance does not offer auto insurance policies include Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, and Wyoming.
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Esurance vs. Geico Auto Insurance: Which has better customer service?
Based on ratings from the National Association of Insurance Commissioners (NAIC), Geico receives fewer customer complaints than one would expect for a company of its size. Esurance, however, scored higher than the average for a company of its size in terms of customer complaints.
Esurance customer complaints typically revolve around delays in processing claims and unsatisfactory results when the company settles individual cases.
Esurance vs. Geico Auto Insurance: Which company is more financially stable?
As stated earlier, Esurance and Geico both have positive financial strength ratings with A.M. Best, though Geico’s ratings are slightly better overall.
Fortunately, both Esurance and Geico have financial stability, which means you can trust the company will pay out your claim appropriately if you ever need to file an auto insurance claim with either company.
Esurance vs. Geico Auto Insurance: Which has better online options?
Esurance and Geico have websites and mobile apps that allow customers to file claims, check the status of claims, review their policy information, access their insurance ID cards, speak with a company representative, and more.
The Esurance and Geico auto insurance apps also allow customers to view their usage-based coverage anytime. If you enroll in usage-based insurance programs with either Esurance or Geico, you’ll see your status and statistics on the mobile app.
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Esurance vs. Geico Auto Insurance: The Bottom Line
Geico and Esurance both have a lot to offer regarding car insurance. Rates tend to be lower with Geico overall, though you may find that car insurance rates with Esurance are cheaper for you based on specific factors.
Geico and Esurance both offer discount options, but coverage options vary between the companies. Determine the types of coverage you want before comparing Esurance and Geico.
As you consider Esurance and Geico, you should also compare quotes from other insurance companies in your area. Comparing quotes from multiple companies will help you find the coverage you want at a price that works with your budget.
Frequently Asked Questions
Is Esurance part of Allstate?
Allstate owns Esurance, so the company is a subsidiary of Allstate. However, the two insurance companies operate independently of one another. Because of this, rates, coverage options, discounts, and availability will vary from one company to the other.
Is Esurance cheaper than Geico?
Full coverage with Esurance costs around $8 less annually than with Geico. Additionally, teens and young adults may pay less for full coverage with Esurance than with Geico. The only way to know how much you will pay for coverage with either company is to get an auto insurance quote.
Can I find car insurance cheaper than Esurance?
The best way to find cheap car insurance is to compare quotes from multiple companies. In some instances, Geico and other well-known auto insurance companies may offer cheaper auto insurance policies than Esurance.
Is Esurance good auto insurance?
Esurance has positive financial strength ratings and offers several coverage options. Therefore, the company could be a good option for you, but you will not know until you compare rates with other insurance companies in your area.
What is the difference between Esurance and Geico auto insurance?
Esurance and Geico are both well-known auto insurance providers, but they have some differences. Esurance is a subsidiary of Allstate and primarily operates online, offering a streamlined and digital insurance experience. Geico, on the other hand, is known for its wide range of insurance products and extensive advertising campaigns. Geico also provides insurance through various channels, including online, phone, and local agents.
Which company offers cheaper auto insurance rates, Esurance or Geico?
The cost of auto insurance can vary depending on several factors, including your location, driving history, and the specific details of your policy. It’s essential to obtain quotes from both Esurance and Geico to compare rates and determine which company offers more affordable coverage for your specific circumstances.
Are the coverage options similar between Esurance and Geico?
Both Esurance and Geico offer a range of coverage options for auto insurance. These typically include liability coverage, collision coverage, comprehensive coverage, medical payments coverage, and uninsured/underinsured motorist coverage. However, the specific details and availability of coverage options may vary between the two companies. It’s important to review the policies carefully to ensure they meet your coverage needs.
Can I manage my auto insurance policy online with both Esurance and Geico?
Yes, both Esurance and Geico offer online policy management options. Esurance, being an online-focused provider, offers a fully digital experience, allowing customers to manage their policies, make payments, file claims, and access documents through their website or mobile app. Geico also provides online policy management tools, including access to policy documents, bill payment options, and claims filing. Additionally, Geico offers customer support through phone and local agents if you prefer a more traditional approach.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.