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

Esurance vs. American Family

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Fact checked

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.

Our top pick: Esurance

Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

  • See your online quote in minutes
  • Save with low base rates and discounts up to 40%
  • Easily qualify, even as a high-risk driver
  • Access convenient mobile claims filing
 

Esurance

American Family

OVERVIEW

OVERVIEW
About the provider
About the brand Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs. 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

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
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
In-person
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 Yes
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes 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 Yes
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 Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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