Compare GEICO vs. Esurance Insurance

Get affordable car insurance quotes from top companies like GEICO and Esurance Compare Auto Insurance Rates

GEICO and Esurance are both top-notch companies in the auto insurance industry, but one is more powerful than the other. Though Esurance is much younger, Allstate is its parent company. This gives it a lot of power in the insurance world. GEICO falls short of a wide range of discounts. But it matches up perfectly with Esurance for superior financial strength scores and high J.D. Power rankings.

On the other hand, Esurance has the disadvantage of only operating online,. And GEICO emphasizes the direct-to-consumer sales model.

Best If/Worst If

  GEICO Esurance
Best If GEICO
  • You want great customer service and low premiums
Esurance
  • You want low rates, straightforward prices, and strong online tools
Worst If GEICO
  • You want other products aside from car and motorcycle insurance (other products offered through third parties)
Esurance
  • You want excellent roadside assistance

Special Car Insurance Discounts

GEICO Esurance
GEICO

GEICO offers a number of discounts for auto, truck, and motorcycle insurance. Some of the discounts include:

  • Vehicle Equipment discounts
    • Air bags, anti-lock brake system, anti-theft system, and daytime running lights discounts
  • Driving History and Habits discounts
    • Five-year accident-free good driver and seatbelt use discounts
  • Driver’s Education discounts
    • Defensive driving, driver’s ed, and good student discounts
  • Driver Affiliations
    • Emergency deployment, military, membership/employee discounts, or federal employee status discounts
  • Customer Loyalty discounts
    • Multi-car, multi-policy/line (bundling) discounts
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount

This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount

This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.

Switch & Save Discount

This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.

Emergency Road Assistance Discount

You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.

Pac-12 Discount

You can get this discount if you attended or are an alum of a Pac-12 school. Find out more about this unique discount here.

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Comparing quotes is the best way to get the lowest rates from top insurers like GEICO and Esurance. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Standard Car Insurance Discounts

Bundling Coverage Discounts GEICO Esurance
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features GEICO Esurance
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History GEICO Esurance
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships GEICO Esurance
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances GEICO Esurance
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts GEICO Esurance
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

GEICO Auto Insurance Esurance Auto Insurance
2016 144 48
2015 283 67
2014 267 47
2013 188 43

U.S. Auto Insurance Shopping Study (2016)

GEICO Auto Insurance Esurance Auto Insurance
Overall Purchase Experience Below average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Below average Average
Call Center Representative Average --
Insurer Website Average Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

GEICO Auto Insurance Esurance Auto Insurance
Overall Satisfaction Average Below average
First Notice of Loss Above average Below average
Service Interaction Below average Below average
Appraisal Average Below average
Repair Process Below average Below average
Rental Car Experience Among the best Below average
Settlement Average Below average

Financial Strength Ratings

GEICO Auto Insurance Esurance Auto Insurance
A.M. Best A++ A+
Moody's Aa1- --
S&P's AA+ --

Mobile Apps

GEICO Esurance
GEICO

The GEICO Mobile App

provides customers easy access to their insurance policies. Its features include:

  • Digital ID Cards. Have your insurance cards stored on your phone for quick, easy access in case of emergency
  • Roadside Assistance. Contact GEICO direct from your mobile phone for help should you get a flat tire, have an accident, etc.
  • Chat. Talk instantly to insurance agents with the chat feature anytime, and anywhere

Download the GEICO app.

Esurance

Esurance Mobile

This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android.

Roadside Assistance

GEICO Esurance
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is an add-on that provides customer's with cheap towing and basic repairs. The service costs as little as $14 a year, per car and can assist motorists with:

Roadside Assistance Services Covered

  • Car battery jumping
  • Replacing flat tires with your spare
  • Bringing you gasoline if your tank's empty
  • Locksmith service (Up to $100)
  • Towing that's unrelated to an accident

Roadside Assistance With Emergency Road Service will only fix minor problems like these. However, if your car needs major work, you will be towed to a safe place where repairs can be made.

Contact Phone Number

You can access GEICO’s Emergency Road Service through its mobile app. You can also call (800) 443-7411.
Visit GEICO's roadside service website here.

Using GEICO's mobile app is a great way to get help fast because of GPS. The GPS locator means GEICO can find you and send help even if you're not sure where you are.

Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472