Esurance vs Geico

When comparing Esurance vs. Geico, Geico seems to be ahead in most categories. Geico does business in all 50 states and has better financial ratings than Esurance.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 14, 2021

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Here's what you need to know...

  • Geico has better financial stability ratings than Esurance, although both are good
  • Customer satisfaction is slightly better with Geico

If you are looking for car insurance, you have surely noticed Esurance and Geico advertisements on TV, in magazines, or around the web. Of course, the company advertising is not going to tell you much about which insurer has the better deal.

Each company claims to have the best customer service, rates, and claims handling.

How Do Esurance vs Geico Compare?

Most vehicle owners are looking for a good price when they want to buy coverage, but it rarely pays to save a few dollars if you cannot get claims paid quickly. When comparing Esurance vs Geico auto insurance coverage consider the areas these companies service, average satisfaction ratings, and the price of your own policy.

  • States served: Geico does business in all 50 states, Esurance services 43 states.
  • Financial strength: Geico has better financial ratings as a company.
  • Customer experience: Customer service experience ratings are mixed for both companies.

You can purchase Geico auto coverage in any U.S. state. Esurance operates in most states, especially more populated ones, but is not on the market everywhere.

For example, if you live in Alaska, Montana, or Wyoming, you can stop shopping for an Esurance auto policy now..

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What are the Independent Ratings of Esurance vs Geico?

A.M. Best is a company that rates insurance companies on their financial strength. When you compare Geico car insurance vs. Esurance car insurance for financial stability, you can see that Geico gets an A++, but Esurance only has an A+ rating.

Since both companies seem able to pay the bills, you will want to know how good of a job they do selling policies and paying claims.

J.D. Powers Auto Insurance Study shows Geico in the top three insurers of two regions

  • J.D. Powers does not show Esurance as a top three insurer in any region.
  • J.D. Powers Auto Insurance Claims Satisfaction: three out of five stars

It seems like it is fairly easy to purchase the right policy from Esurance. Geico should work on their process more. On the other hand, customers have been slightly more satisfied with their claims experience when they chose Geico.

You will certainly want to find an auto insurer that has a fast and fair claims process.

Ultimately, choose the provider that provides you the best coverages at the best price with the intangibles you’re looking for.

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