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Geico vs. Esurance: Which Is Best for You?

May 20, 2019
Auto Insurance, Insurance
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If your first instinct when shopping for car insurance is to whip out your phone, Geico or Esurance might be a fit for you. With either company you can buy your auto insurance online, and you’ll get robust apps for managing your policy.

Choosing between Esurance and Geico means digging into the details. Here’s a look at how the two companies compare so you can decide which is best for you.

Esurance vs. Geico: Compare quotes

You’ll need to get quotes from both companies to know whether Esurance or Geico is cheapest for you. The answer probably depends on where you live.

Geico’s prices tend to be lower, on average, but Esurance is cheaper in some states, according to NerdWallet’s 2019 analysis of car insurance rates from the biggest companies in each state.

In states where both Esurance and Geico are among the largest companies, Geico is about $22 a month cheaper than Esurance, on average, for good drivers with good credit, buying a full-coverage policy. The gap is wider for other types of drivers.

Average car insurance rates: Esurance vs. Geico

Driver profileEsuranceGeicoAnnual difference
Good driver with good credit$2,108$1,843$265
Driver with a recent at-fault accident$3,581$2,942$639
Driver with poor credit and a clean driving history$4,075$2,897$1,178
Minimum required coverage$1,165$736$429

These prices are averaged across 10 states where both Esurance and Geico are among the largest car insurance companies — Arizona, California, Colorado, Florida, Maryland, New Jersey, New York, Ohio, Pennsylvania and Texas. Rates will be different in other states.

States where Esurance is cheaper than Geico

Esurance, which is owned by Allstate, insures more than 5.2 million vehicles in 43 states — and in some of those states, its rates are lower than Geico’s.

In four of the 10 states we compared, Esurance costs less than Geico for good drivers with good credit. Here’s how those rates compare.

StateEsuranceGeicoAnnual difference

Esurance also has lower rates than Geico in some of these states for drivers with a recent at-fault accident, for people with poor credit or for those buying only the minimum required insurance.

» MORE: NerdWallet’s Esurance review

States where Geico is cheaper than Esurance

In six of the 10 states we compared, Geico is cheaper than Esurance for good drivers with good credit, on average.

StateEsuranceGeicoAnnual difference
New Jersey$2,232$1,721$511
New York$3,544$2,117$1,427

In these states, Geico also has lower average rates than Esurance for people with poor credit or a recent at-fault accident, or those buying only minimum coverage.

Geico, the nation’s second-largest car insurance company, insures more than 28 million vehicles nationwide.

» MORE: NerdWallet’s Geico review

Esurance vs. Geico: NerdWallet ratings

Both companies earned 3.5 stars in NerdWallet’s ratings of the best car insurance companies, but Geico ranked 15th, while Esurance ranked 17th out of 24 insurers.

NerdWallet’s rating is a score based on:

  • J.D. Power ratings for customer service, claims satisfaction and shopping satisfaction.
  • Consumer Reports customer satisfaction ratings.
  • Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners.

Esurance vs. Geico: Customer satisfaction

When customers shop for insurance, they report a better experience with Esurance than with Geico, according to J.D. Power. After an insurance claim, however, they’re more likely to say they’re satisfied with Geico than with Esurance.

In the 2019 J.D. Power U.S. Insurance Shopping Study:

  • Esurance tied for fourth place among 19 ranked companies and was rated “better than most.”
  • Geico ranked 12th and was rated “about average.”

The 2019 claims study from J.D. Power wasn’t out at the time of publication. In its 2018 Auto Claims Satisfaction Study, both companies were “about average.” Geico ranked 11th out of 22 insurers in the study, and Esurance ranked 16th.

Esurance vs. Geico: Insurance options

Car insuranceYes, in 43 statesYes, in all states
Usage-based insurance optionsYes, in 37 statesNo
Rideshare insuranceNoYes, in 39 states
Gap insuranceYesNo
Accident forgivenessNoYes
Mechanical breakdown coverageNoYes
Insurance for other vehicles (motorcycles, RVs, boats)Yes (offered through partners in some states)Yes
Homeowners insuranceYes (offered through partners in some states)Yes (offered only through partners)
Renters insuranceYes (offered through partners in some states)Yes (offered only through partners)
Umbrella liabilityYes (offered only through partners)Yes
Flood insuranceYes (through the National Flood Insurance Program)Yes (through the National Flood Insurance Program)
Life insuranceYes (offered only through partners)Yes (offered only through partners)
Business insuranceYes (offered through Allstate)Yes (through partners in some cases)

Esurance vs. Geico: Online and mobile tools

Esurance and Geico are geared for tech-savvy customers. Both companies sell directly to consumers, rather than through agents. Both have mobile apps that let you manage your policy, call for roadside assistance and upload damage photos.

Other online and mobile tools from Esurance include:

  • Coverage Counselor, which provides coverage recommendations.
  • RepairView, which allows you to monitor car repairs and get a daily progress photo of your car.
  • Fuelcaster, which forecasts changes in gas prices.

At Geico, digital tools include:

  • Vehicle Care, which tracks service records and alerts you when your car needs maintenance.
  • Locators for gas, parking and nearby attractions.
  • Voice assistance through Google Home, Google Assistant or Amazon’s Alexa.
  • Find a Ride, which lets you connect with a Lyft driver within Geico’s mobile app.
To compare Esurance and Geico:

NerdWallet averaged rates for 40-year-old men and women for 20 ZIP codes in each of 10 states — Arizona, California, Colorado, Florida, Maryland, New Jersey, New York, Ohio, Pennsylvania and Texas. Both Esurance and Geico are among the largest insurers in these 10 states.

“Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:

  • $100,000 bodily injury liability coverage per person.
  • $300,000 bodily injury liability coverage per crash.
  • $50,000 property damage liability coverage per crash.
  • $100,000 uninsured motorist bodily injury coverage per person.
  • $300,000 uninsured motorist bodily injury coverage per crash.
  • Collision coverage with $1,000 deductible.
  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverage was added.

In the minimum required coverage category, rates are for the minimum insurance coverage required by law in each state.

We used a 2015 Toyota Camry in all cases. These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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