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

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

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.

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American Family

American Family

Esurance

Esurance

About the providerFor 90 years, American Family has worked hard to give quality rates and services. In addition to auto insurance, it offers home, life, business, and farm and ranch insurance with a strong commitment to protect its customers.Esurance, the online insurance company, is making its name known in the car insurance world, offering affordable coverage for just about any of your vehicles. It takes pride in a hassle-free experience, and customers respect its low rates and excellent customer service.
PricePolicy costs depend your personal situation. Visit American Family for a quote based on your specific needs.Policy costs depend your personal situation. Visit Esurance for a quote based on your specific needs.
States served1943 states
User satisfaction*B+A+
J.D. Power ratings**4/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

American Family

American Family

Esurance

Esurance

Good studentt Varies. Teen Safe Driver Discount + Generational Discount (18-24 with a parent who is an American Family customer)Up to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driver5-10% (55+, completed defensive driving course)Up to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driver30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discount
Multicar
Military
Homeowner
Other discounts

Loyalty discount Early-bird discount

Steer into Savings discount

Low mileage discount – Drive less than 7,500 miles per year

Teen Safe Driver discount – Enroll teen in free program

Young volunteer discount
– Under 25, 40+ hours per year volunteering for non-profit

Generational discount – 18-24 with a parent who is an American Family customer

KnowYourDrive discount – Up to 40% on your car insurance (based on evaluation during KnowYourDrive periods)

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Vehicle discounts

American Family

American Family

Esurance

Esurance

Anti-theft device5-25%
Anti-lock brake5%
Passive restraints2-33%
Air bag
Other discounts

Auto safety equipment – 10-30%

New vehicle discount

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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.

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