GEICO is cheaper for drivers with a traffic ticket, at-fault accident or poor credit. Power score and a lower NAIC complaint rating. Esurance auto insurance is good for drivers who want a wider variety of coverage options. GEICO auto insurance is good for drivers who want better customer service and drivers looking for multiple discounts. Keep in mind that these rates are national averages, which means your premium could be different.
Rates vary based on your age, location and driving history, so you will need to compare quotes from both companies for the most accurate rates.
Getting rates from several providers can help you determine the best insurance company for you. However, it appears that Esurance has been merged into the Allstate brand as of Even when Esurance was a separate company, it only provided coverage in 42 states, which means there are eight states where GEICO is the only one of the two companies offering insurance. Individual states often have rates that are significantly higher or lower than the average cost of auto insurance.
While they still have a functional website, it appears Esurance is phasing out policies under that name, aiming to eventually transfer their active policies to Allstate. In the following table, you'll see many instances of the phrase "Not Available. Instead, it merely means that our study included no data for these states.
If you'd like to see which company may offer you a lower quote is your state instantly, use our car insurance cost calculator. Many factors influence your insurance rates, including your age, driving record and credit score. Insurance is typically more expensive for drivers with poor credit, young drivers and drivers with tickets, accidents or other blemishes on their driving record.
Esurance is the most affordable choice for drivers with a DUI, while GEICO is a cheaper option for drivers with a traffic ticket, at-fault accident or poor credit.
Please note that the "Not Available" value in the following table does not mean that Esurance doesn't sell policies to year-old students. Rather, it indicates that our study included no data for this type of policy. Some insurance companies offer dozens of discounts while others offer only a few, but what matters most is how much you pay each year. This may influence which products we write about and where and how the product appears on a page.
However, this does not influence our evaluations. Our opinions are our own. NerdWallet is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines. Start here to maximize your rewards or minimize your interest rates. Lacie Glover. Geico reviews and ratings Complaints against Geico are lower than expected for a company of its size. Customer satisfaction ratings are among the best for auto insurance shopping. Website and mobile app have a wide array of features that tech-savvy customers may appreciate.
Pros Cons Low complaints and above-average customer satisfaction for auto insurance shopping. Some coverage types available only through partners. Robust website and mobile app. Many discounts available. Limited network of local agents. They have an excellent mobile app for both iPhone and Android, and you can file and track claims through your phone. Esurance offers usage-based car insurance in many states, which allows you to track your driving through a digital device.
They charge you based on how much you drive as opposed to giving you a flat rate every month. If you live in a city with excellent public transit, or you like to bike to work, for example, you can really benefit from this type of insurance.
They go consistently above and beyond for their customers, offering exceptional service at affordable prices. They do not provide any other types of insurance, like home or life insurance. GEICO also does not yet offer usage-based insurance for their customers.
This type of insurance charges customers by the miles they drive, instead of having a standard monthly premium. Here are two examples of what customers have to say about Esurance:. These people will do and say anything not to perform [their] jobs and serve the people who are keeping them in business. Personally, the rates are great, but ultimately you get what you pay for.
Many other negative Esurance reviews are about rates going up over time and dissatisfaction with customer service. Judging by how few complaints Geico gets relative to its size, the insurer appears to deliver a superb customer experience. But like all insurance companies, Geico gets its fair share of complaints. I'm 18 years old with a brand new Dodge Charger, and I've already got a few things on my driving record but Geico really offers me great rates that I can't find anywhere else.
I have encountered an accident one month ago and Geico insured holder was at fault I have been trying to get in touch with their claims representative for quite some time.
They know they are at fault percent and [try] to bargain with you to lessen their pockets. A majority of the negative Geico reviews on the BBB are regarding specific issues with the claims process. While both Esurance and Geico provide high-quality insurance coverage, we found that Geico was a better choice overall as it provides better prices and coverage options.
That said, Esurance is still a great option for auto insurance, especially if you can qualify for available discounts to make the cost cheaper. To learn more about the providers, check out our full Esurance insurance review and Geico insurance review. We recommend comparing multiple quotes from different providers before you make your final decision. Use the tool below to compare quotes for top companies in your area. The company has affordable car insurance rates the lowest we found on average , lots of discount programs, and superb customer service.
Unfortunately, USAA is only available to active military, veterans, and their families, so the general public will not be able to purchase a policy from USAA. To learn more, read our full USAA insurance review.
State Farm car insurance follows closely behind USAA as far as rates are concerned, and customer satisfaction with this insurer is quite high. State Farm also offers a wide variety of discounts for students , good drivers, and more. To learn more, read our full State Farm insurance review. Progressive is another well-established insurance company with good customer satisfaction ratings and a solid variety of coverage options.
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