Compare Esurance vs. American Family car insurance | finder.com

Esurance vs. American Family: Discounts, quotes, and comparison

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Esurance vs. American Family

Trying to decide between Esurance and American Family? It’s time to compare them and find the right insurer for you.

Many consumers may not know that American Family is one of the largest auto insurers in the United States. The company has been around for 90 years, and it offers home, life and business insurance.

Esurance is a new player in the insurance market, founded in 1999. Since its inception, it’s gained a lot of traction through its accessible online insurance. Today, it’s owned by Allstate.

At this time, Esurance is testing pay-by-mile insurance in Oregon. It’s a good bet that the company will be rolling out the policy to other states soon.

  • CoverageMyWay® customized coverage
  • 24/7 claims service
  • Convenient mobile app

Our top pick: Esurance

Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

  • First-rate site with quotes in minutes
  • Competitive pricing
  • A+ BBB rating
Promoted
 

Esurance

American Family

OVERVIEW

OVERVIEW
About the provider
About the brand Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states. American Family Insurance aims to gain the trust of their customers through top-notch customer service and protection.
States served
States served All states except AK, DE, HI, MT, NH, VT, WY AZ, CO, GA, ID, IL, IN, IA, KS, MN, MO, NE, NV, ND, OH, OR, SD, UT, WA, WI
User satisfaction
User satisfaction 3 stars 3 stars
JD Power ratings
JD Power ratings 5 stars 5 stars

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Accident forgiveness No Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods online
online
phone
Payment schedule
Payment schedule 12 months
monthly
12 months
monthly
custom

DISCOUNTS

DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes No
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 10%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount No No
Other discounts
Other discounts
Learn more
Learn more

Bottom line

If you’re looking for a battle-tested insurer, you can rest easy knowing that American Family qualifies. Though Esurance is a newer company, it’s backed by the insurance behemoth Allstate.

Before settling on either insurer, check to make sure it covers your state. Esurance covers 40 states, and American Family covers only 19 states.

Customer satisfaction scores show a relatively muddy picture. Esurance gets an A+ from the Better Business Bureau (BBB), but it scores only three out of five from J.D. Power in claims satisfaction. Meanwhile, American Family gets a B+ from the BBB and four out of five from J.D. Power in claims satisfaction.

Compare alternatives to Esurance and American Family

Name Product Roadside assistance New car protection Accident forgiveness Available states
Optional
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
Optional
Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA, WY
As the nation’s second largest auto insurance company, Geico streamlines the process of purchasing car insurance. Drivers in these states can apply: AK, AL, AZ, CA, CT, DC, FL, GA, HI, ID, KS, MA, MD, ME, MT, NC, NE, NH, NJ, NY, OH, OR, SC, TN, TX, UT, VA, VT, WA and WY.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Optional
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Car insurance through Liberty Mutual will give coverage options for almost any situation.
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.

Compare up to 4 providers

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