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.
Want to find out more? Read our full reviews of GEICO and Esurance.
Compare GEICO vs. Esurance auto insurance rates
GEICO vs. Esurance: rates by age
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.
RATES BY AGE BRACKET: GEICO VS. ESURANCE
| 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 |
GEICO vs. Esurance: prices by credit level
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.
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: GEICO VS. ESURANCE
| 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 |
Costs aside, GEICO and Esurance both have pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Learn more about these options below.
| Discount Comparison | GEICO | Esurance |
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| Ratings Comparison | GEICO | Esurance |
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| Financial Strength | Superior | Superior |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.4/5 | 4.4/5 |
| 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 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 |
Will comprehensive insurance cover damages caused by road debris?
Sorry to hear about your accident. If you have comprehensive coverage, it should cover any damages caused by debris.
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.
Do I claim my stolen vehicle with Lyft or GEICO?
One of the companies should be covering you via your comprehensive coverage. Check out our page on Lyft's insurance requirements for more information.
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.
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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.
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