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Esurance vs. Farmers: Discounts, quotes, and comparison

Esurance vs. Farmers

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Fact checked

You’ve narrowed your potential insurers to Esurance and Farmers. But which one should you pick?

Esurance is a relatively 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.

Farmers is an older insurance company, founded in 1928. It’s one of the largest auto insurers in the United States, and it offers home, life, business and recreational insurance.

Our top pick: Esurance

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

  • Online quotes in minutes
  • Competitive pricing
  • Mobile claims filing
  • Customized coverage
  • 24/7 claims service
  • Convenient mobile app
 

Esurance

Farmers

OVERVIEW

OVERVIEW
About the provider
About the brand Convenient online quotes, coverage and claims for tech-savvy drivers. Choose from add-ons like glass repair services and new car replacement to enhance basic coverage.
States served
States served All states except AK, DE, HI, MT, NH, VT, WY All 50 states

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness No No
Rideshare coverage
Rideshare coverage No Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods online
online
phone
Payment schedule
Payment schedule 12 months
monthly
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 Yes
Military discount
Military discount Yes No
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
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

Farmers has the slight edge on states covered. It offers insurance in all 50 US states, while Esurance only covers 43 states. Both insurers earn similar scores for customer satisfaction. Esurance gets an “A+” from the Better Business Bureau, and Farmers gets an “A-.” Unfortunately, you may be less than impressed with either company’s claims process. Both received a three-out-of-five score from J.D. Power.

Perhaps more impressive is the discounts you may qualify for. Both insurers offer good-student and good-driver discounts. Farmers, in particular, offers a few innovative promotions like distant-student and youthful-driver discounts. Esurance and Farmers have generous vehicle promotions, such as anti-theft, anti-lock and passive-restraint discounts.

Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Esurance and Farmers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Get unlimited discounts and score a lower deductible every 6 months you don't make a claim.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Find basic coverage and low rates through its easy online or app-based experience.
Assurance
Optional
Yes
All states except AK & HI
Your broker is your one-stop shop for comparing any coverage you need.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Enjoy exclusive savings and benefits designed for experienced drivers over the age of 49.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.
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