Esurance vs. GEICO: Which Is the Best? (2025)
GEICO’s relatively low rates and top-tier IQ Score make it stand out.
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Written bySarah Sharkey
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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Table of contents
As you begin your search for a new insurer, you’ll come across several companies worth considering, including GEICO and Esurance.
GEICO is one of the largest companies in the industry.[1] Esurance, which Allstate bought in 2011, no longer writes insurance policies. Instead, Allstate writes any policies you can purchase under the Esurance brand.
Both companies offer advantages and disadvantages. For example, GEICO tends to offer lower average rates than Esurance. But GEICO earned a customer satisfaction rating below the industry average — and below Allstate’s — in the J.D. Power 2023 U.S. Auto Claims Satisfaction Study.[2]
If you’ve narrowed down your choices to these two companies, it’s critical to look at the details carefully. Comparing rates, customer service, coverage options, and discounts can help you find the best option for your situation.
Quick Facts
On average, GEICO offers lower liability-only quotes.
GEICO offers policies in all 50 states. Esurance offers policies in 43 states.
GEICO offers more insurance options than Esurance, including boat insurance and pet insurance.
Esurance vs. GEICO: The verdict
GEICO offers lower average rates than Allstate, which writes the policies for Esurance. This is true for both liability-only and full-coverage policies. However, both Esurance and GEICO tend to offer rates below the national average.
If you’re looking for helpful add-ons, like gap insurance and rideshare insurance, you might prefer working with Esurance.
The table below illustrates how Esurance and GEICO stack up against each other.
Factor  | Esurance | GEICO |
|---|---|---|
| IQ Score | 8.9 (Allstate) | 9.2 |
| J.D. Power customer satisfaction score | 814 out of 1,000 (Allstate) | 833 out of 1,000 |
| Average quote: liability only | $62 | $53 |
| Number of discounts | 5 | 16 |
| Number of states where it operates | 43 | 50 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Esurance
Esurance, which is owned by Allstate, has a reputation for a seamless online car insurance experience. While Allstate tends to offer higher rates than GEICO, Allstate boasts an above-average claims satisfaction rating.
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $75/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
3.8
A solid optionBased on 7,879 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,975)
Mario
Verified Review
Hang Up the Calls
Reviewed in Florida on December 2025
If they don't help with better pricing or return your call, switch.
Phil
Verified Review
Average
Reviewed in Alabama on December 2025
Too expensive for the coverage.
Kirk
Verified Review
Allstate Rocks
Reviewed in North Carolina on December 2025
It's so easy for insurance companies to give you a lower quote. They just gut your policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
A subsidiary of Allstate, Esurance is a tech-based car insurance company. The insurer claims its digital-oriented business model allows the company to reduce costs and pass savings to policyholders.
Esurance may also attract its customers with its easy-to-use website and mobile app. You can get a quote in under six minutes and file a claim with an approval turnaround of as little as one day.
Pros
High rated mobile app and online user experience
Has a unique and comprehensive telematics program
Cons
Only offered in a few states
Relatively expensive coverage compared to competitors
GEICO
GEICO, owned by Berkshire Hathaway, is one of the largest insurance companies in the United States. While you can often find cheaper rates with GEICO, the company does have a below-average claims satisfaction rating.
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $90/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $140/mo |
4.0
Best choiceBased on 13,555 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,943)
Linda
Verified Review
Horrible Customer Service
Reviewed in California on December 2025
Find another insurance company. Their rates are insane, and they pay any scammer's claim, leaving you disadvantaged.
Deborah
Verified Review
Expensive Insurance
Reviewed in Florida on December 2025
Too expensive for a driver with nothing on their record.
Michael
Verified Review
Good Company
Reviewed in Georgia on December 2025
To me, all car insurance has gotten way too expensive. GEICO is as good as any and better than most!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO, a subsidiary of the Berkshire Hathaway Group, is the third-largest U.S. insurer by market share. In addition to auto insurance, GEICO sells homeowners, renters, flood, travel, life, and business insurance, among other products. The insurer offers numerous car insurance discounts to help drivers save. For example, drivers who are accident-free for five years could earn 22% off premiums, and good students could earn 15% off. GEICO’s National Association of Insurance Commissioners complaint index score is below average, meaning it receives fewer consumer complaints than average.
Pros
Good rates for good drivers, seniors, and young drivers
Accident forgiveness available
A+ (Superior) financial strength rating from AM Best
Cons
High rates for drivers with certain violations, like DUIs
No rideshare or new car replacement coverage available
Lower customer satisfaction scores from J.D. Power
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Esurance DriveSense vs. GEICO DriveEasy
Esurance’s DriveSense and GEICO’s DriveEasy programs both offer safe drivers an opportunity to earn a discount on their car insurance premiums.
GEICO’s DriveEasy program is a free option for GEICO drivers with a supported smartphone who live in a participating state. To get started, download the mobile app. The app tracks your driving behavior to create a driving score. Drive safely enough, and you could save up to 25% on your premium.
Esurance’s DriveSense program also offers a customized discount based on your driving habits. After you download the app and enroll in the program, you’ll need to log at least 50 trips per term to tap into a customized discount. The amount you could save isn’t disclosed.
Esurance vs. GEICO: Which is the cheapest?
On average, GEICO offers cheaper rates than Esurance. But the reality is that your unique situation can affect your car insurance rates dramatically. Car insurance companies look at a wide range of factors to determine your premiums, including your age, gender, marital status, driving record, and more. This is why it’s important to compare quotes from several insurers to find the best policy for you.
GEICO: Cheapest for drivers with a clean driving record
Drivers without any incidents, like speeding tickets or at-fault accidents, typically pay lower rates with GEICO. Below, you can see how liability-only rates compare for drivers with a clean record.
Driver Type | Esurance | GEICO |
|---|---|---|
| Clean driving record | $75 | $90 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with a speeding ticket
After a speeding ticket, drivers tend to pay higher insurance premiums. On average, GEICO offers lower rates to drivers with a speeding ticket.
Driver Type | Esurance | GEICO |
|---|---|---|
| Drivers with a speeding ticket | $99 | $121 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for teen drivers
Young drivers pay more for car insurance than drivers with more experience behind the wheel. GEICO offers lower average car insurance premiums than Esurance for teen drivers.
Driver Type | Esurance | GEICO |
|---|---|---|
| 18-year-old | $160 | $162 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for drivers with bad credit
Drivers with bad credit can find cheaper car insurance premiums with GEICO than Esurance. But in general, drivers with poor credit face higher rates than drivers with good credit.[3]
Driver Type | Esurance | GEICO |
|---|---|---|
| Drivers with bad credit | $92 | $110 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
GEICO: Cheapest for senior drivers
GEICO offers senior drivers lower average premiums than Esurance. But shopping around can help senior drivers find the better choice for their situation.
Driver Type | Esurance | GEICO |
|---|---|---|
| Senior drivers | $58 | $66 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare coverages: Esurance vs. GEICO
Both GEICO and Esurance offer standard coverage options, like bodily injury liability, property damage liability, personal injury protection, uninsured/underinsured motorist coverage, collision, and comprehensive coverage.
However, there are some big differences in each company’s extra coverage options. For example, Esurance offers gap insurance and rideshare insurance. GEICO doesn’t offer either of these options.
The table below breaks down some of the optional coverages available from either insurer.
Coverage | Esurance | GEICO |
|---|---|---|
| Gap insurance | Yes | No |
| Rideshare insurance | Yes (in some states) | No |
| Emergency road service coverage | Yes | Yes |
| Rental car reimbursement | Yes | Yes |
| Travel expenses coverage | No | No |
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Compare discounts: Esurance vs. GEICO
Both Esurance and GEICO offer a range of discounts to drivers.
However, GEICO drivers have access to more discounts than Esurance drivers. While both insurance companies offer a bundling discount, GEICO offers many more policy types than Esurance. For example, GEICO goes beyond renters insurance, homeowners insurance, and motorcycle insurance to offer boat insurance, business insurance, ATV insurance, pet insurance, flood insurance, life insurance, and more.
The table below illustrates which discounts are available to drivers through each insurance company.
Discount | Esurance | GEICO |
|---|---|---|
| Clean driving record | Yes | Yes |
| Defensive driving course | No | Yes |
| Multi-policy | Yes | Yes |
| Multi-car | Yes | Yes |
| Low mileage | No | No |
| Telematics (safe driving app) | Yes | Yes |
| Anti-theft device | Yes | Yes |
| New car | No | Yes |
| Military/affiliation | No | Yes |
| Good student | Yes | Yes |
| Loyalty | No | No |
| Auto pay | No | No |
| Student away at school | No | No |
| Homeowner | Yes | No |
| Alternative fuel | No | No |
Esurance vs. GEICO FAQs
If you have questions about carrying car insurance through GEICO and Esurance, you can find answers here.
Is Esurance good at paying claims?
Allstate, which owns Esurance, has an AM Best rating of A+, which means its financial strength is high and the company is able to pay out claims reliably.[4] Also, 69% of Esurance customers who file a photo claim see their claim approved for payment in just one day, according to the company.
What is the difference between Esurance and GEICO auto insurance?
GEICO offers more insurance products and is typically more affordable for drivers than Esurance. Esurance, which is owned by Allstate, offers a seamless online customer experience.
How can you save money on car insurance?
You can save money on car insurance by shopping around. When you compare quotes from multiple car insurance companies, you can lock in the lowest rates for your unique situation. Also, don’t forget to ask for more information if you think you qualify for a discount.
What discounts do Esurance and GEICO offer?
Esurance and GEICO each offer a variety of discounts for bundling your auto insurance with other insurance types. Other discounts are available for good students, homeowners, signing up for a telematics program, and anti-theft devices.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "Facts + Statistics: Insurance company rankings."
- J.D. Power. "Auto Insurers Manage Customer Expectations as Repair Cycle Times Double in Two Years, J.D. Power Finds."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- AM Best. "AM Best Takes Various Credit Rating Actions on The Allstate Corporation and Its Key Subsidiaries."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
Sarah has been a contributor at Insurify since September 2022.
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.