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.
Want to find out more? Read our full reviews of GEICO and Esurance.
Insurers use a driver's age as an indicator of potential risk, assigning rates accordingly. Car insurance is usually priciest for beginning and young drivers — because of their inexperience — and most affordable for middle-aged drivers. Because every insurance company prices age tiers differently, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Esurance before GEICO: Esurance offers average yearly savings of $704 versus GEICO.
| Age | GEICO avg. annual premium | Esurance avg. annual premium |
| Teens | $5,302 | $4,598 |
| 20s | $2,134 | $1,967 |
| 30s | $1,684 | $1,432 |
| 40s | $1,629 | $1,324 |
| 50s | $1,499 | $1,276 |
| 60s | $1,550 | $1,369 |
If you have very poor credit, Esurance could be the way to go. Typically, Esurance offers better prices than GEICO for drivers with credit scores of 579 or less. Those with outstanding credit — a score of 800 or better — should opt for Esurance as well, which typically beats GEICO by $295 per year. View average insurance rates by credit tier for GEICO and Esurance below.
| Credit level | GEICO avg. annual premium | Esurance avg. annual premium |
| Poor (300-579) | $2,847 | $2,102 |
| Good (670-739) | $1,809 | $1,469 |
| Very Good (740-799) | $1,688 | $1,366 |
| Exceptional (800-850) | $1,575 | $1,280 |
| Discount Comparison | GEICO | Esurance |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
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| Air Bags | ||
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| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
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| eSign or ePay | ||
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| Military |
| Ratings Comparison | GEICO | Esurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Above average | Below average |
| User Satisfaction | 4.4/5 | 4.4/5 |
| Other Products | GEICO | Esurance |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
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| Travel Trailer Insurance | ||
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| RV Insurance | ||
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| Other Features | GEICO | Esurance |
|---|---|---|
| About | GEICO 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 Assistance | You 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 Discounts | GEICO offers an additional discount for vehicles with daytime running lights as well as discounts for federal employees. Moreover, the company 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 Questions | I made two claims last year. Should I file a third? If you're filing a claim to fix the damages caused to the fence, you should go ahead and get your vehicle fixed as well; events that go on your insurance history will mark all the payouts as coming from the same claim. However, having three recent claims will likely result in your rate increasing, so consider shopping around for cheaper insurance elsewhere. Will comprehensive insurance cover damages caused by road debris?Sorry to hear about your accident. If you have comprehensive, it should cover any damages caused by debris. Which insurance companies will insure a driver without a license?You may check with Geico to see if they will take an unlicensed driver. However, in my experience, they will not. Should I stay with my car insurance company even if I'm getting a better quote from elsewhere?It's possible that your agent is simply trying to keep your business. However, he may actually be correct. See More Questions | 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. Can Esurance deny a refund if I forgot to cancel my policy when I switched to a new company?This sounds like an company issue and not a state law. Insurance companies in Illinois are legally required to issue refunds for "unearned premium", but you didn't prepay your bill. See More Questions |
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