Esurance vs. Travelers: Discounts, quotes, and comparison

Esurance vs. Travelers

Trying to decide between Esurance and Travelers? It’s time to compare them and pick the right one for you.

Esurance is a relatively new company, founded in 1999. It quickly gained traction after its inception, however, thanks to its internet-friendly insurance sales. Travelers has existed in some capacity since 1853, and it’s currently one of the 10 largest insurance companies in the United States.

	Travelers	Esurance
About the provider	Travelers has over 30,000 employees operating in five different countries to assure customers that they will be taken care of. It has been a Fortune 500 company since 1995 and its goal is to provide insurance rates at competitive prices.	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 travelers 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
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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study

Driver discounts

	travelers	Esurance
Good student	8% (enrolled in school, maintaining a B average or better). Additional 7% if the student is 100+ miles away from home.	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	10-23% (no accidents or violations for the past 3 or 5 years)	30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discount	Up to 7.5%
Multicar	Up to 8%
Military
Homeowner	Up to 5%
Other discounts	Continuous insurance discount – Up to 15% (no gaps in coverage) EFT discount – 2-3% (pay through EFT or payroll deduction) Good payer discount – Up to 15% (consistent payment on time) Early quote discount – 3-10% (quote before your policy expires) Driver training discount – Up to 8%
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Vehicle discounts

	travelers	Esurance
Anti-theft device		5-25%
Anti-lock brake		5%
Passive restraints		2-33%
Air bag
Other discounts	Hybrid/electric vehicle – Up to 10% New car – Up to 10% (car less than 3 years old)	New vehicle discount
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Bottom line

Before settling on Esurance, check to see if it operates in your state. Currently, the company covers 40 states (Travelers covers all 50 states).

Both companies earn high user-satisfaction marks from the Better Business Bureau. At the same time, the insurers also pick up middling scores from J.D. Power in claims satisfaction.

Esurance and Travelers both offer a variety of discounts: good-student, defensive-driver, good-driver and more.