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: June 19, 2018
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Esurance Car Insurance
9.4 / 10 - Excellent
#3 in Car Insurance
GEICO Car Insurance
9.5 / 10 - Excellent
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vs

Key Facts

  • Very competitive premiums
  • Manage your policy online with Esurance mobile
  • Excellent customer support services
  • Create a more personalized car insurance that meets your needs
  • Flexible payment options
  • Accident forgiveness

 

  • See How Much You Could Save with GEICO
  • Save up to $500 or more on car insurance
  • Discounts are available for over 850+ organizations & alumni associations
  • Obtain your quote online today - It's fast, easy & free!

OVERALL RATINGS

 EsuranceGEICO
Coverage & Benefits9/109/10
Pricing and Discounts9/1010/10
Financial Strength10/1010/10
Customer Experience10/109/10

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

What do their customers think?

National Association of Insurance Commissioners

 EsuranceGEICO
NAIC Complaint Ratio 2016
1.01
0.56
NAIC Total Complaints 2016
336
297
*The NAIC Car Insurance complaint ratio (in this case 1.01) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.
*The NAIC Car Insurance complaint ratio (in this case 0.56) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

 EsuranceGEICO
Trust Pilot Rating
6.1 out of 10
6.9 out of 10
BBB Rating
A-
B
Number of BBB Positive Reviews
2
3
Number of BBB Neutral Reviews
4
4
Number of BBB Negative Reviews
143
163
Date Collected
2008-10-16
2017-10-12

Comparing Financial Stregnth

Key Details

 EsuranceGEICO
Underwriter
Allstate Corporation
Berkshire Hathaway Group
Premiums Written 2016
$20,813,857,600
$25,531,762,332
Marketshare 2016
9.72%
11.92%
AM Best Financial Rating
a-
A++
Moody's Financial Rating
A3
Aa3
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
  • Group Savings (unions, etc)

Contact & Additional Information

 EsuranceGEICO
Homepage URL
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 and Esurance Car Insurance are very close in quality and have the same overall rating. That said, GEICO scores better than Esurance across: Pricing and Discounts. Whereas, Esurance scores better on Customer Experience. Both companies score similarly on Coverage & Benefits, and Financial Strength.


Customer Comments & Reviews

T
tlvpav@gmai.com
Springfield, Oregon
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
Cathedral City, California
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