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Esurance vs GEICO Car Insurance

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Ratings

Insurify Composite Score Esurance
VS GEICO
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Insurify Composite ScoreGEICO
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User Ratings
Options Esurance GEICO
Rating/Reviews
Full Star Full Star Full Star Half Star Empty Star
4,712 reviews
Full Star Full Star Half Star Empty Star Empty Star
3,776 reviews
U.S Auto Insurance Shopping Study (2018)
Options Esurance GEICO
Overall Satisfaction About average About average
Policy Offerings About average Better than most
Pricing About average Better than most
Call Center Representative Among the best About average
Insurer Website About average Among the best
Local Agent -- The rest
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Esurance GEICO
Overall Satisfaction About average Better than most
First Notice of Loss (FNOL) About average Better than most
Claim Servicing About average Better than most
Estimation Process About average Better than most
Repair Process The rest About average
Rental Experience About average Better than most
Settlement About average Better than most
J.D. Power Ratings by Region (out of 1000)
Region Esurance GEICO
Florida
826 pt
About average
832 pt
Better than most
California
818 pt
About average
807 pt
About average
North Central
799 pt
The rest
830 pt
About average
Southwest --
798 pt
The rest
Southeast --
839 pt
About average
Texas --
816 pt
The rest
Central --
838 pt
Better than most
Mid-Atlantic --
848 pt
Better than most
New England --
827 pt
About average
New York --
813 pt
About average
Northwest --
805 pt
About average
Mobile App Ratings
Brand Esurance GEICO
iOS
Full Star Full Star Full Star Half Star Empty Star
108 reviews
Full Star Full Star Full Star Full Star Half Star
446,400 reviews
Android
Full Star Full Star Full Star Full Star Half Star
4,165 reviews
Full Star Full Star Full Star Full Star Half Star
147,062 reviews
Financial Ratings
Company Name Esurance GEICO
A.M. Best A+ A++
Standard & Poor's -- AA+
Fitch -- AA-
Moody's -- Aa3

Auto Insurance Quotes

For Married Drivers

City Esurance GEICO
Austin $84 $59
Chicago $76 $67
Philadelphia $104 $87
Phoenix $74 $37
Los Angeles $66 $47

For Single Drivers

City Esurance GEICO
Austin $80 $61
Chicago $79 $67
Philadelphia $108 $91
Phoenix $81 $44
Los Angeles $106 $128

For Male Drivers

City Esurance GEICO
Austin $84 $59
Chicago $80 $70
Philadelphia $104 $92
Phoenix $80 $41
Los Angeles $104 $123

For Female Drivers

City Esurance GEICO
Austin $80 $62
Chicago $74 $64
Philadelphia $107 $87
Phoenix $75 $39
Los Angeles $68 $53

For Drivers with a Speeding Ticket

City Esurance GEICO
Austin $95 $73
Chicago $102 $91
Philadelphia $127 $128
Phoenix $94 $63
Los Angeles $130 $141

For Drivers with No Speeding Ticket

City Esurance GEICO
Austin $79 $57
Chicago $72 $62
Philadelphia $103 $84
Phoenix $74 $35
Los Angeles $77 $76

For Drivers Age Between 18-40

City Esurance GEICO
Austin $78 $63
Chicago $77 $71
Philadelphia $107 $98
Phoenix $78 $44
Los Angeles $118 $148

For Drivers Age Between 40-65

City Esurance GEICO
Austin $78 $54
Chicago $72 $61
Philadelphia $98 $78
Phoenix $71 $34
Los Angeles $62 $40

For Drivers Age of 65+

City Esurance GEICO
Austin $112 $75
Chicago $101 $77
Philadelphia $130 $99
Phoenix $101 $48
Los Angeles $56 $40

For Drivers with Average Credit

City Esurance GEICO
Austin $82 $68
Chicago $80 $70
Philadelphia $113 $93
Phoenix $79 $42
Los Angeles $78 $75

For Drivers with Fair Credit

City Esurance GEICO
Austin $95 $71
Chicago $83 $74
Philadelphia $125 $104
Phoenix $82 $42
Los Angeles $72 $56

For Drivers with Good Credit

City Esurance GEICO
Austin $79 $54
Chicago $73 $65
Philadelphia $100 $84
Phoenix $74 $36
Los Angeles $70 $60

For Drivers with Excellent Credit

City Esurance GEICO
Austin $73 $48
Chicago $72 $59
Philadelphia $85 $77
Phoenix $75 $40
Los Angeles $124 $160

Quotes & Discounts

Discount Type Esurance GEICO
Good Driver Discount
up to 40%
up to 26%
Passive Restraint Discount
up to 33%
up to 25%
Anti-Theft Device Discount
up to 25%
up to 25%
Accident Free Discount
up to 25%
Varies
Alumni Discount
up to 15%
--
Multiple Policy Discount
up to 15%
Varies
Paid in full discount
up to 10%
--
Prepay Discount
up to 10%
--
Good Student Discount
up to 10%
up to 15%
Defensive Driver Discount
up to 10%
Varies
Driving Habits Discount
up to 5%
--
Organization Discount
up to 5%
Varies
Starting your auto quote online discount
up to 5%
--
Roadside Assistance Discount
up to 5%
--
Provider Switch Discount
up to 5%
--
Multiple Vehicle Discount
up to 5%
Varies
Anti-lock Brake Discount
up to 5%
up to 5%
Home Owner Discount
Varies
--
Signing documents when you buy online discount
Varies
--
Federal Employee Discount
--
up to 25%
Emergency Deployment Discount
--
up to 25%
Seat Belt Use Discount
--
up to 15%
Military Discount
--
up to 15%
Daytime Running Lights Discount
--
up to 3%
Driving training discount
--
Varies
teenSMART Discount
--
Varies
Senior Adult Discount
--
Varies
Compare Quotes

Payment Methods

Payment Type Esurance GEICO
Mobile App Payments Complete Tick Complete Tick
Multi-Payment Installment Plans
--
Complete Tick
Electronic Check
--
Complete Tick
Debit Card Payments
--
Complete Tick
Automatic Online Payment
--
Complete Tick
Phone Payment
--
Complete Tick
Mail Payment
--
Complete Tick
Credit Card Payment
--
Complete Tick

Feature and Services

Features and Services Esurance GEICO
24/7 service Complete Tick Complete Tick
Mobile app Complete Tick Complete Tick
Roadside assistance Complete Tick Complete Tick
Policy bundling discounts Complete Tick Complete Tick
Online account management Complete Tick Complete Tick
Accident forgiveness
--
Complete Tick
Text and email alerts
--
Complete Tick

Optional Coverages

Coverage Type Esurance GEICO
Incident Forgiveness Complete Tick Complete Tick
Loss of Use Coverage Complete Tick
--
Mechanical Breakdown Insurance Complete Tick Complete Tick
Emergency Assistance Coverage Complete Tick
--
Roadside Assistance Complete Tick Complete Tick
Rental Reimbursement Complete Tick Complete Tick
Gap Insurance Complete Tick
--
Original Equipment Manufacturer Coverage Complete Tick
--
Accident Forgiveness
--
Complete Tick
Comprehensive Claim Forgiveness
--
Complete Tick
No Fault Coverage
--
Complete Tick
Umbrella Policy
--
Complete Tick

Insurance by State

  • Car Insurance
  • RV Insurance
  • Umbrella Insurance
  • Life Insurance
  • Motorcycle Insurance
  • Renters Insurance
  • Home / Condo Insurance
  • Esurance
  • GEICO
  • Both

Uber and Lyft driver insurance:

  • Esurance
  • GEICO
  • Both

SR‌-22 Insurance by State

  • Esurance
  • GEICO
  • Both

Compare Insurance Products

Product Esurance GEICO
  ATV Insurance Complete Tick Complete Tick
  Boat Insurance Complete Tick Complete Tick
  Business Insurance Complete Tick Complete Tick
  Car Insurance Complete Tick Complete Tick
  Cell Phone Insurance Complete Tick
--
  Classic Car Insurance Complete Tick Complete Tick
  Commercial Insurance Complete Tick
--
  Condo Insurance Complete Tick Complete Tick
  Dwelling Fire Insurance
--
Complete Tick
  Flood Insurance Complete Tick Complete Tick
  Health Insurance Complete Tick
--
  Home Insurance Complete Tick Complete Tick
  Identity Theft Insurance
--
Complete Tick
  Jewelry Insurance
--
Complete Tick
  Life Insurance Complete Tick Complete Tick
  Mobile Home Insurance
--
Complete Tick
  Motorcycle Insurance Complete Tick Complete Tick
  Pet Insurance Complete Tick Complete Tick
  RV Insurance Complete Tick Complete Tick
  Renters Insurance Complete Tick Complete Tick
  Ridesharing Insurance
--
Complete Tick
  Snowmobile insurance Complete Tick
--
  Travel Insurance
--
Complete Tick
  Umbrella Insurance Complete Tick Complete Tick

Popular Comparisons

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User Reviews

  • Esurance Reviews
  • GEICO Reviews
★ ★★ ★★
3.8
4,712 user reviews
5 Stars
38% Complete
38%
4 Stars
7% Complete
7%
3 Stars
2% Complete
2%
2 Stars
18% Complete
18%
1 Star
36% Complete
36%
Write a Review
Most Positive Review
Affordable
★ ★★ ★★
By Insurify User
September 1, 2014

Esurance is not only affordable but very efficient as well. They took care of my claim very quickly and without any hassle. Everyone was pleasant and on top their work. As a matter of fact I was overwhelmed with the attention on got. The check arrived at the body shop before my car was there! I have recommended esurance to all my friends and family.

Most Critical Review
★ ★★ ★★
By Shane
December 3, 2017

Poor billing procedures or information changes to billing procedures has messed me up significantly causing me financial burdens and coverage problems beyond comprehension. Was uninsured without knowledge, dropped coverage for no fault of my own. Then offered a chance to reinstate and once again no letter with attached statement for billing. Only thing received was a letter of debt collection for $49.00. now I'm trying to fix your mistake and it's costing me lots of time which info not have and hundreds if not thousands of $.

★ ★★ ★★
2.7
3,776 user reviews
5 Stars
29% Complete
29%
4 Stars
14% Complete
14%
3 Stars
10% Complete
10%
2 Stars
10% Complete
10%
1 Star
39% Complete
39%
Write a Review
Most Positive Review
★ ★★ ★★
By Mariah
July 19, 2018

I pay a ridiculous price for insurance due to a car accident that wasn’t my fault but the guy who hit me lied so they put the blame on me, for reversing into a car at a stop sign... it’s so upsetting! GEICO is so understanding and does EVERYTHING they can to get me discounts to make my insurance cheaper! They are patient and are willing to listen! They have given me the lowest quote! I pay $253 a month for my insurance now, every single other insurance company has quoted me at a minimum of $386 and won’t give me the time of day. I suggest GEICO to anyone! It doesn’t get better than them! I will forever be with GEICO! You’ve earned my trust, respect and business! Thank you GEICO!

Most Critical Review
★ ★★ ★★
By Yesudasan
January 22, 2018

Horrible experience! Even the supervisor gave me a crappy explanation for the premium increase even though I have an excellent driving record! The explanation: "My rate has increased because many NJ drivers are having accidents!"It didn't make any sense I'been a loyal customer for many years, now, I guess, I have to start shopping!

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