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 |
|---|---|---|
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| Ratings Comparison | GEICO | Esurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | N/A | A+ |
| Other Products | GEICO | Esurance |
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| Other Features | GEICO | Esurance |
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| 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. 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 | What 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. Will a hit and run impact my car insurance premium in CA?Yes, when your company has to pay out on a claim, it will impact your rates. If you filed a police report and have uninsured motorist property damage coverage, this coverage will pay for the damages and will be considered a not-at-fault accident. 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. 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. See More Questions |
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