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

Esurance vs. American Family

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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.

  • Customized coverage
  • 24/7 claims service
  • Convenient mobile app

Our top pick: Esurance

Convenient online quotes, coverage and claims for tech-savvy drivers.

  • Online quotes in minutes
  • Competitive pricing
  • A+ BBB rating
 

Esurance

American Family

OVERVIEW

OVERVIEW
About the provider
About the brand Convenient online quotes, coverage and claims for tech-savvy drivers. 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 Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Liberty Mutual
Optional
30%
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.

Compare up to 4 providers

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