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Compare Esurance vs. GEICO Car Insurance

What’s the difference between Esurance Car Insurance and GEICO Car Insurance? See how our editors compare the two companies below.
Last Updated: April 23, 2025
Esurance Car Insurance
4.5 / 5 - Excellent
#5 in Car Insurance
VIEW RATES
GEICO Car Insurance
4.7 / 5 - Excellent
#1 in Car Insurance
VIEW RATES
vs

Key Facts

  • Best for Online Convenience
  • Stands out for its user-friendly online platform & competitive premiums
  • Accident forgiveness & Excellent customer support services
  • Best for Competitive Rates
  • Discounts are available for over 850+ organizations & alumni associations
  • Obtain your quote online today - It's fast, easy & free!
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OVERALL RATINGS

 EsuranceGEICO
Coverage4.5/54.5/5
Financial Strength5.0/55.0/5
Supplemental Coverage0.0/50.0/5
Pricing & Discounts4.5/55.0/5
Claims Satisfaction & Customer Experience5.0/55.0/5
Automation4.5/54.5/5

Coverage Compared

Basic Coverage

Esurance
vs
GEICO
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

Esurance
vs
GEICO
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Rental Reimbursement
  • Towing & Labor Cost

Coverage Fine Print

Mobile App Loan/lease gap coverage - Can help bridge the divide between your totaled car's actual cash value and what you still owe to the lender.
Mobile App

24/7 Claims Agents Available

What do their customers think?

National Association of Insurance Commissioners

 EsuranceGEICO
NAIC Complaint Ratio
1.79
NAIC Total Complaints 2020
60
297

Customer Ratings

 EsuranceGEICO
Trust Pilot Rating
5.4 out of 10
2.1 out of 10
BBB Rating
A-
A+
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
143
Date Collected
2018-12-11
2020-05-12
*The NAIC Car Insurance complaint ratio (in this case 1.79) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Comparing Financial Stregnth

Key Details

 EsuranceGEICO
Underwriter
Allstate Corporation
Berkshire Hathaway Group
Premiums Written 2020
$31,501,664,285
Marketshare
9.73%
17.0%
AM Best Financial Rating
a-
A++
Moody's Financial Rating
Aa3
Aa1
Standard & Poor's Financial Rating
A-
AA+
*The above information reflects the financial strength of the underwriter of the Esurance car insurance policies: Allstate Corporation.
*The above information reflects the financial strength of the underwriter of the GEICO car insurance policies: Berkshire Hathaway Group.

Pricing & Discounts

 EsuranceGEICO
Per Mile Pricing Available?

Discounts

Esurance
vs
GEICO
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Student
  • Bundled Policy

Additional Discounts

Esurance
vs
GEICO
  • Full/Automatic Payment

Discounts Fine Print

Fast 5 discount - Up to 5% off your first-term premium by starting your quote online. Switch & Save - 5% off your premium in most states by switching to Esurance from another insurance company. Pac-12 discount - Attend a Pac-12 school and save up to 15% on your premium. Online Shopper discount - Discounts available for Illinois, Utah, and Virginia drivers. Renters Plus discount - Discounts for adding Esurance renters coverage to your existing auto policy. Emergency Road Assistance - Buy emergency road assistance coverage and save up to 5% on your premium. DriveSense discount - Select the discount during your online quote. After purchasing your policy, download the DriveSense mobile app, log in, and start saving. You'll automatically save 5% just by signing up and get personalized discounts based on your driving habits. Defensive Driver discount - Applies to older drivers (age 50, 55, or 60 and older) who have completed a defensive driving or driver improvement class approved by their state's DMV. The program is available in four states and could help you save up to 10% off certain coverages.
Defensive Driver Discount - Clients can save on premiums by completing a defensive driving course.

Driver's Education - Young drivers can earn a discount on most coverages by completing a driver's education course.

Emergency Deployment - Discounts of up to 25% on auto insurance for United States military policyholders deployed as members of the Enduring Freedom or Iraqi Freedom operational forces.

Military - Up to 15% off on total car insurance premiums for active duty and retired military service members.

Federal Employee (Eagle Discount) - Active or retired federal employees can get up to 8% off their total auto insurance premium.

Contact & Additional Information

 EsuranceGEICO
Homepage URL
https://www.esurance.com/
https://www.geico.com
Company Phone
(800) 378-7262
(800) 207-7847
Headquarters Address
650 Davis Street, San Francisco, CA, 94111
One GEICO Plaza, Bethesda, MD, 20810
Mailing Address
P.O. Box 5250, Sioux Falls, SD, 57117
Year Founded
1931
1936

Final Verdict

GEICO Car Insurance has a higher overall rating than Esurance Car Insurance. GEICO scores better than Esurance across: Pricing & Discounts. However, Esurance scores better on Supplemental Coverage. Both companies score similarly on Coverage, Financial Strength, Claims Satisfaction & Customer Experience, and Automation.

Customer Comments & Reviews

M
Margaret A
6/23/2019
Esurance Car Insurance review
So far I am satisfied, a bit pricey but very fast to route you for your car repairs. I have the bad luck of always getting my cars punched while I am in parking lot shopping or even parked in my apartment community. Sorry but I am not driving my car with fenders , door dents side swiping. They were fast to pay my car repair.

P
Pamela P
12/4/2018
Esurance Car Insurance review
I just started with Esurance and have saved a bundle. I was with the same agent at State Farm for decades, but it didn't save me a dime, although she was very capable and personable. Esurance was easy to secure and the agent and I got along great. (That's important when I'm signing my life away. )

T
tlvpav
12/22/2017
GEICO Car Insurance review
This has been a nightmare for me. A month has gone by, they just started a claim against the uninsured driver who hit MY parked car, and they say I don't have basic insurance coverage ? I'm making double car payments now, when this uninsured driver totalled my car !!

A
Allison
1/6/2017
GEICO Car Insurance review
Excellent customer service and have always been a great help for us when things have gone wrong with vehicles

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