GEICO vs Esurance Car Insurance

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GEICO or Esurance:
Which Company is Best for You?

Geico and Esurance are among the largest car insurance providers in the US. Both companies maintain A+ financial strength ratings with AM Best, offer competitive rates and discounts, and 24/7 customer service and claims reporting.

Discount ComparisonGEICOEsurance
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonGEICOEsurance
Financial Strength SuperiorSuperior
JD Power Rankings
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3 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

N/A

A+

Other ProductsGEICOEsurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesGEICOEsurance
AboutGeico uses a direct-to-consumer sales model rather than relying on independent agents to provide exceptional service and superior coverage to their valued customers.From car insurance to homeowners, motorcycle, and renters coverage, Esurance will be there for you from quote to claim with lightning-fast claims and proven financial strength.
Roadside AssistanceYou can use a mobile app to request service from Geico's Emergency Roadside Service, which will assist you if you need a tow, are locked out of your car, run out of gas, have a dead battery or flat tire.Esurance's Emergency Roadside Service will pay up to $75 towards roadside services including towing assistance, tire changes, gas, oil, and water delivery, battery service and lockout service. You may need to have comprehensive and collision coverage as a prerequisite to add this coverage to your policy.
Additional DiscountsGeico offers an additional discount for vehicles with daytime running lights. Moreover, Geico also offers the policy feature of accident forgiveness.Esurance offers an additional discount for customers who have obtained emergency road assistance from a provider other than Esurance (such as AAA or the National Automobile Club).
Recent QuestionsWhat is your best advice to buy auto insurance for my 18-year-old who is buying a used car which will be paid off?
The bad news is that car insurance for an 18-year-old on their own separate policy is incredibly expensive — over $3,400 more than the national average. The good news? Typically, we see that combining insurance by adding your kid to your policy is the best route.
My son got a DUI, I will be selling the vehicle & removing him from my Geico policy. Do I need to report it to Geico?
If you choose to repair the damage to your son's car using your insurance, you will need to file a claim and tell your insurer what happened. The claim will impact your rates, but removing your son will not impact your rates as much as leaving him on there — because he has a DUI on his record, that would increase rates in addition to the accident. If you have any questions, don't hesitate to ask.
Can I get accident forgiveness after an accident?
I'm sorry but you will not be able to have an accident forgiven and removed from your record. Depending on the insurance company, they have specific rules about accident forgiveness — generally, you need to be accident-free for a few years before an accident is forgiven.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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Insurance increase due to increased cost of parts and labor?
There's a couple of things to look at here. First, parts and labor for BMWs are typically higher than other vehicles and are considered more expensive in general to maintain.
I got into an accident with my company's vehicle. Will this affect my personal auto insurance?
Any citations you are issued are a part of your personal driving record. However, unless you are planning to switch companies in the near future, it's unlikely your personal auto insurance company will find out about it.
If my Alabama registration tags expire, do I still have to carry insurance?
Alabama requires that registered vehicles must also be insured. If your registration tags expire and you want to renew them then you must have active auto insurance before the new tags will be issued.
What do I do if I am hit by another driver and they refuse to provide me their insurance information?
Regardless of the amount of damage caused in an accident, drivers should still exchange insurance information. Normally in the event that the police are called and a report is written the information of both drivers is documented, including insurance information.
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Compare MoreGEICO vs. 21st Century GEICO vs. Allied GEICO vs. Allstate GEICO vs. American Family GEICO vs. Amica Mutual Insurance GEICO vs. Auto Club (AAA) GEICO vs. Elephant GEICO vs. Erie GEICO vs. Farm Bureau Mutual GEICO vs. Farmers GEICO vs. Foremost GEICO vs. Infinity GEICO vs. Liberty Mutual GEICO vs. Mercury GEICO vs. MetLife GEICO vs. Metromile GEICO vs. Nationwide GEICO vs. North Star Mutual GEICO vs. Progressive GEICO vs. Root Insurance GEICO vs. Safe Auto GEICO vs. Safeco GEICO vs. State Farm GEICO vs. The General GEICO vs. The Hartford GEICO vs. Titan GEICO vs. Travelers GEICO vs. USAAEsurance vs. 21st Century Esurance vs. Allied Esurance vs. Allstate Esurance vs. American Family Esurance vs. Amica Mutual Insurance Esurance vs. Auto Club (AAA) Esurance vs. Elephant Esurance vs. Erie Esurance vs. Farmers Esurance vs. Foremost Esurance vs. Infinity Esurance vs. Liberty Mutual Esurance vs. Mercury Esurance vs. MetLife Esurance vs. Metromile Esurance vs. Nationwide Esurance vs. Progressive Esurance vs. Safe Auto Esurance vs. Safeco Esurance vs. State Farm Esurance vs. The General Esurance vs. The Hartford Esurance vs. Titan Esurance vs. Travelers Esurance vs. USAA
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GEICO vs Esurance

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