Esurance vs. Farmers: Discounts, quotes, and comparison

Esurance vs. Farmers

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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.

  • 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
Farmers

Farmers

Esurance

Esurance

About the provider “Serving America since 1928,” Farmers is one of the top names in car insurance with close to 20 million policies throughout all of America. With several different types of insurance to choose from, Farmers aims to insure that customers have peace of mind with its award-winning Farmers Claim Services. 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.
Price Policy costs depend your personal situation. Visit Farmers 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 served All 50 states 43 states
User satisfaction* A- A+
J.D. Power ratings** 3/5 on overall claims satisfaction 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


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


Driver discounts

Farmers

Farmers

Esurance

Esurance

Good student B average or 3.0 GPA or higher Up to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driver Up to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driver 30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discount
Multicar
Military
Homeowner
Other discounts Distant students – 23 or younger, 100+ miles away from home

Teen driver – Single licensed driver under 19

Youthful driver – Driver under 25 in the household

Transfer discount – Switch to Farmers with no lapse in coverage


Vehicle discounts

Farmers

Farmers

Esurance

Esurance

Anti-theft device 5-25%
Anti-lock brake 5%
Passive restraints 2-33%
Air bag
Other discounts Alternative fuel – Vehicle is fueled by new alternative resources like electric / gasoline hybrid, electric, ethanol, methanol New vehicle discount

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.

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