Esurance Vs. Geico: Cost, Coverage, And Reviews (2023)

Let’s look at Esurance vs. Geico in terms of coverage. Both companies provide the six standard types of auto insurance, which include:

Bodily injury liability
: This policy covers medical bills for other drivers and their passengers in accidents you cause. It is available in per-person and per-accident limits.
Property damage liability
: This policy covers repair costs for other vehicles in accidents you cause.
Collision
: This coverage pays for repairs to your car after an accident, regardless of fault.
Comprehensive
: This coverage pays to repair your car after damage from events like falling branches or floods.
Uninsured/underinsured motorist
: This policy covers you and your car if someone without insurance or with too little insurance hits your car.
Medical payments (MedPay)/personal injury protection (PIP)
: MedPay covers your medical bills after an accident, regardless of fault. PIP also covers your medical bills as well as lost wages and death benefits.

The providers differentiate themselves when it comes to additional coverage and add-ons. For example, Geico offers rideshare insurance across the country, but Esurance only offers it in California, Illinois, and New Jersey.

Also, both companies offer usage-based insurance for safe drivers to get discounts based on their driving habits. Geico’s program, DriveEasy, is available in 22 states while Esurance’s program, DriveSense®, is available in 35.

Below are a few more stand-out policy options from Esurance vs. Geico.

Esurance Coverage Options

Coverage add-on options from Esurance include:

Emergency roadside assistance coverage:
Covers up to $75 of the charges associated with any emergency mechanical breakdown, including towing
Rental car coverage:
Covers the cost of a rental car if your car is in an accident and is rendered unusable while it’s being repaired
Guaranteed asset protection (GAP) coverage:
Covers the difference when you still owe more than your car is worth on your loan and your car is totaled

Geico Coverage Options

In addition to the standard auto insurance policies mentioned above, Geico offers:

Emergency roadside service:
Covers towing, jumpstarts for dead car batteries, labor to change a flat tire, and lockout services (up to $100)
Rental car coverage:
Covers rental costs when your car is being repaired as the result of a covered claim
Mechanical breakdown insurance:
Covers repairs to mechanical parts of the car similar to an extended car warranty

Unlike Esurance, Geico doesn’t offer GAP insurance. But Geico mechanical breakdown insurance is where the provider stands out. This acts as an extended car warranty – after a covered breakdown, you pay a $250 deductible, and Geico covers the repair.

Esurance Vs. Geico Car Insurance Discounts

When comparing Esurance vs. Geico in terms of insurance rates, you will find that a lot of the same discounts apply.

Esurance Discounts

Esurance is reasonably priced and provides great value for the money. While it’s by no means the cheapest car insurance available, it does beat most of the competition when it comes to low prices.

Esurance offers a variety of discounts but does not have a specific list available on its website. The best way to find out which discounts you qualify for is by getting a quote.

Geico Discounts

Geico advertisements claim that “15 minutes could save you 15 percent or more.” We found that Geico did not have the lowest prices across the board, but its premiums are definitely cheaper than most of its competition. Plus, the company has great discounts.

Here are some examples of the discounts offered by Geico: