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 | ||
| 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 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 | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
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| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |