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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

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

Farmers

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. Say hello to a local Farmers agent who can help you find the best savings from a long list of coverage options.
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 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
custom
Monthly

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
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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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