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Auto insurance
Home insurance
Personal finance
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Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Updated
It’s easy to only focus on pricing when comparing auto insurers, but you should keep several factors in mind when comparing coverage from Esurance and GEICO.
While GEICO is one of the largest car insurers in the U.S., Esurance no longer sells new policies.[1] Current Esurance policyholders can maintain their coverage, but new customers must purchase insurance through Allstate, its parent company.[2]
For this insurance review, we’ll take a closer look at Esurance and GEICO to compare rates, discounts, coverage options, and customer satisfaction.
GEICO outperforms Esurance on customer satisfaction, availability, and discounts, making it a stronger long-term option.
Esurance may still be a good fit for existing policyholders due to its lower average premiums.
Since pricing and coverage needs vary by driver, comparing quotes, discounts, and policy features is the best way to determine which insurer is best for you.
When shopping for car insurance companies, it’s important to compare more than just average premiums and deductible choices. You also should check a company’s policy options, coverage amounts, customer reviews, industry reputation, and financial stability.[3]
You might also check if it offers other insurance products you might need, such as home insurance, renters insurance, or boat insurance.
Below is a brief overview comparing some of the most important aspects to consider when choosing an insurance company. See how GEICO and Esurance compare.
Category  | Esurance | GEICO |
|---|---|---|
| Cost | 5/5 | 4.7/5 |
| Customer satisfaction | 2.7/5 | 4.3/5 |
| Policy management | 4.6/5 | 4.8/5 |
| Availability | 2.7/5 | 5/5 |
| Industry reputation | 4.3/5 | 5/5 |
| Overall Score | 4.25/5 | 4.93/5 |
GEICO wins in most categories, including customer satisfaction, policy management, availability, and industry reputation.
If you’re simply looking for the cheapest insurer, Esurance may still appeal to its existing policyholders. That said, GEICO offers more discounts than Esurance, which may offset the extra cost.
Our editorial team analyzes and grades each insurer based on factors like its average rates, customer reviews, policy management features, availability, industry standing, and more. This includes countless hours of research and in-depth analysis of millions of auto insurance quotes from real Compare.com customers.
We grade each factor on a weighted five-point scale to determine an insurer’s proprietary Compare.com Rating, which highlights its overall standing among the industry’s best companies.
| User Reviews | 3.9 |
|---|
Esurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the good service, user-friendly app, and competitive rates but dislike the company's sudden exit from certain markets.
If you’re already an Esurance customer, its affordable pricing may still make it a solid choice for car insurance. That said, Esurance offers fewer discounts than GEICO, so you’ll want to consider your savings opportunities when you compare your insurance costs.
When it comes to customer satisfaction, Esurance falls behind GEICO. Its complaint index is more than three times the industry average, according to the National Association of Insurance Commissioners (NAIC).[4] While J.D. Power didn’t rank Esurance in its customer and claims satisfaction studies, Allstate, its parent company, scored below average in both studies.[5] [6]
Operates under Allstate
Low average premiums
DriveSense enrollment discount
No longer sells new policies
Fewer discounts than GEICO
Below-average customer satisfaction
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $81/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $148/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.4 | 3.6 |
| Discounts | 4.4 | 2.9 |
| Policy transparency | 4.4 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Unlike Esurance, GEICO continues to sell new insurance policies nationwide and remains one of the largest insurers in the U.S.[1] It operates under Berkshire Hathaway and holds an A++ (Superior) financial strength rating from AM Best.[7] While GEICO’s average car insurance cost may be slightly higher than Esurance's, the insurer offers several ways to save through discounts.
GEICO generally outperforms Esurance for customer satisfaction. Its NAIC complaint index is lower than the industry average, and the company scored highly in J.D. Power’s customer satisfaction survey.[5]
Actively selling policies nationwide
Several discounts available
Solid customer satisfaction
Higher average premiums
No advertised enrollment discount for DriveEasy
Doesn’t offer gap insurance
The cost of car insurance can vary widely between insurers and from one driver to another. Factors like your age, location, driving record, vehicle type, deductible, and whether your coverage policy includes young drivers can all affect your rate.[8]
Because pricing fluctuates, it’s important to compare quotes and insurance coverage from multiple companies. You should also check the average rates for drivers of the same age or with the same driving history for the most accurate comparison.
The table below shows Compare’s sample rates depending on the driver type and record, so you can find the cheapest car insurance company. Since Esurance isn’t offering new policies, we’ve used Allstate’s insurance rates as a proxy for comparison.
The table below reflects average full-coverage insurance premiums.Average Esurance and GEICO rates by state
Auto insurance rates by state often vary due to differences in accident frequency, repair costs, the number of uninsured (or underinsured) motorists, and claim litigation.[9]
This state-by-state comparison shows how average full-coverage insurance rates for GEICO and Allstate differ across the country.
Driver Type | Esurance | GEICO | Industry Average |
|---|---|---|---|
| All drivers | $146 | $148 | $182 |
| Teen drivers | $309 | $265 | $343 |
| Seniors | $111 | $107 | $159 |
| Recent ticket | $196 | $202 | $236 |
| Recent accident | $200 | $196 | $243 |
| DUI conviction | $209 | $211 | $261 |
| Poor credit | $178 | $181 | $222 |
Policies start as low as $44 per month.
Auto insurance rates by state often vary due to differences in accident frequency, repair costs, the number of uninsured (or underinsured) motorists, and claim litigation.[9]
This state-by-state comparison shows how average full-coverage insurance rates for GEICO and Allstate differ across the country.
State | Esurance | GEICO |
|---|---|---|
| Alabama | $106 | $147 |
| Alaska | $216 | $128 |
| Arizona | $226 | $176 |
| Arkansas | $200 | $136 |
| California | $271 | $193 |
| Colorado | $199 | $196 |
| Connecticut | $384 | $211 |
| Delaware | $371 | $218 |
| Florida | $249 | $209 |
| Georgia | $160 | $287 |
| Hawaii | $251 | $118 |
| Idaho | $151 | $91 |
| Illinois | $237 | $145 |
| Indiana | $208 | $98 |
| Iowa | $102 | $90 |
| Kansas | $192 | $159 |
| Kentucky | $244 | $189 |
| Louisiana | $197 | $198 |
| Maine | $113 | $97 |
| Maryland | $540 | $279 |
| Massachusetts | $284 | $133 |
| Michigan | N/A | N/A |
| Minnesota | $195 | $171 |
| Mississippi | $136 | $144 |
| Missouri | $181 | $198 |
| Montana | $145 | $138 |
| Nebraska | $142 | $135 |
| Nevada | $214 | $246 |
| New Hampshire | $220 | $107 |
| New Jersey | N/A | $297 |
| New Mexico | $238 | $149 |
| New York | $213 | $225 |
| North Carolina | $141 | $119 |
| North Dakota | $111 | $96 |
| Ohio | $170 | $98 |
| Oklahoma | $105 | $171 |
| Oregon | $220 | $142 |
| Pennsylvania | $180 | $160 |
| Rhode Island | $483 | $304 |
| South Carolina | $199 | $165 |
| South Dakota | $146 | $139 |
| Tennessee | $188 | $134 |
| Texas | $156 | $190 |
| Utah | $169 | $132 |
| Vermont | $129 | $103 |
| Virginia | $226 | $184 |
| Washington | $155 | $154 |
| District of Columbia | $593 | $296 |
| West Virginia | $196 | $142 |
| Wisconsin | $190 | $90 |
| Wyoming | $98 | $90 |
The chart below compares the insurance coverages of Esurance and GEICO.[10] [11] Because Esurance no longer sells new policies, we’ve supplemented some details using Allstate’s car insurance offerings.
Coverage Type | Esurance | GEICO |
|---|---|---|
| Comprehensive | ✔ | ✔ |
| Collision | ✔ | ✔ |
| Medical payments (MedPay) | ✔ | ✔ |
| Personal injury protection (PIP) | ✔ | ✔ |
| Uninsured/underinsured motorist (UM/UIM) | ✔ | ✔ |
| Roadside assistance | ✔ | ✔ |
| Rental reimbursement | ✔ | ✔ |
| Gap insurance | ✔ | ✖ |
| Accident forgiveness | ✔* | ✔ |
| Mechanical breakdown | ✔* | ✔ |
| Rideshare endorsement | ✔ | ✔ |
| Vanishing deductibles | ✔* | ✖ |
| New car replacement | ✔* | ✖ |
| Pet injury | ✖ | ✖ |
Both companies offer the core components of auto insurance, including liability coverage for property damage and bodily injury. Both also offer collision coverage, commonly included in a full-coverage policy.
Though Esurance and GEICO don’t provide many add-ons, both companies do offer roadside assistance, rental reimbursement, and mechanical breakdown coverage.
With Esurance, you can also add gap insurance to help cover the remainder of your loan or lease if you total your car, and you may be able to access insurance products like new-car replacement coverage and at-fault accident forgiveness through Allstate.
GEICO also offers accident forgiveness. Esurance doesn’t clearly advertise these options, so check with your insurance agent to confirm availability.
Auto insurance discounts can help lower your premiums, but availability and savings can vary by insurer. Some companies offer discounts for setting up auto pay, bundling homeowners insurance, or safe driving. Others may keep their discounts limited if they already offer low premiums. GEICO has many more discounts than Esurance.
Below is a list of advertised discounts from Esurance and GEICO.
Discount Type | Esurance | GEICO |
|---|---|---|
| Affinity | ✖ | ✔ |
| Anti-theft device | ✖ | ✔ |
| Automatic payments | ✖ | ✔ |
| Defensive driver | ✖ | ✔ |
| Good student | ✖ | ✔ |
| Early shopper | ✖ | ✔ |
| Federal employee | ✖ | ✔ |
| Homeowners | ✖ | ✔ |
| Military | ✖ | ✔ |
| Multi-policy | ✔ | ✔ |
| Multi-vehicle | ✖ | ✔ |
| New car | ✖ | ✔ |
| Paperless billing | ✖ | ✔ |
| Pay-in-full | ✔ | ✔ |
| Safe driver | ✔ | ✔ |
| Safety equipment | ✖ | ✔ |
| Student away at school | ✖ | ✔ |
| Usage-based/telematics | ✔ | ✔ |
| Responsible payer | ✖ | ✖ |
While both companies offer discounts for bundling auto and home insurance, using telematics, and staying claims-free, GEICO provides way more savings opportunities than Esurance.[12] GEICO advertises more than 20 discounts on its site, while Esurance offers far fewer.
Before choosing an auto insurance company, it can be helpful to check recent reviews from current or past customers. Reading their experiences can shed light on what it’s like to work with the company’s insurance agents and go through the claims process.
Below, you’ll find verified reviews for both Esurance and GEICO from recent Compare.com customers:
The average driver saves up to $867.
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Usage-based insurance (UBI) programs use driving data to reward safe driving habits with potential discounts.[13] Both Esurance and GEICO offer UBI programs through a mobile app. Though similar, the two programs differ in a few ways.
Esurance’s DriveSense gives you an initial discount just for enrolling, plus a performance-based discount after tracking enough trips.[14] It monitors driving behaviors, such as speed and hard braking, as well as the time of day you normally drive.
GEICO’s DriveEasy also tracks behaviors like braking and phone use. Unlike DriveSense, though, DriveEasy doesn’t advertise a discount just for signing up.[15] GEICO customers could see savings of about 5%–15% at renewal, but rates may increase for riskier drivers.
If you’re shopping for car insurance, these frequently asked questions could help you choose between Esurance and GEICO.
GEICO is generally the better option for most drivers because it’s actively selling policies and has higher customer satisfaction ratings. Esurance may still work for existing customers, but it has limited availability.
The best car insurance companies depend on your specific needs and budget. That’s why it’s essential to compare car insurance quotes and coverages from multiple insurers.
Esurance may be cheaper for some drivers, but pricing varies widely based on multiple factors. While average car insurance rates from Esurance may be more affordable, GEICO offers more discounts, potentially lowering overall costs.
Yes. Esurance is now a part of Allstate and no longer sells new auto insurance policies. It still covers existing policyholders, but is no longer competing for new customers.
No. GEICO doesn’t own Esurance. Esurance is a subsidiary of Allstate, while GEICO is a part of Berkshire Hathaway.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Auto insurance
Home insurance
Personal finance
Licensed auto and home insurance agent
4+ years of experience in insurance and personal finance editing
NPN: 20564519
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
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