Compare GEICO vs. Esurance Insurance

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GEICO and Esurance are both top-notch companies in the auto insurance industry, but one is more powerful than the other. GEICO was founded in 1936, and Esurance was founded in 1999. Though Esurance is much younger, Allstate is its parent company, which gives it a lot of power in the insurance world. GEICO falls short of a wide range of discounts, but matches up perfectly with Esurance for superior financial strength scores and high J.D. Power rankings.

On the other hand, Esurance presents itself with the disadvantage of only operating online, while GEICO emphasizes the direct-to-consumer sales model.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

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 its auto, truck, and motorcycle insurance policyholders and their families. 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 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 saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

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

U.S. Auto Insurance Shopping Study (2016)

GEICO Car Insurance Esurance
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 Car Insurance Esurance
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 Car Insurance Esurance
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 out on the road 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 here.

Esurance

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

Roadside Assistance

GEICO Esurance
GEICO

GEICO Roadside Assistance With Emergency Road Service

GEICO Roadside Assistance With Emergency Road Service is a policy add-on that provides customer's with inexpensive towing and basic auto 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

GEICO’s Emergency Road Service is available through the company’s mobile app, or by calling (800) 443-7411.
Its roadside service website is 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 assistance 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 tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472