StateFarm vs. Esurance: Which provider is better?

StateFarm vs. Esurance

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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

State Farm is a giant in the insurance industry. It was founded in 1922, and today it’s the largest auto insurer in the United States. Beyond covering vehicles, it also offers home, renters, life, motorcycle and business insurance.

Esurance is a younger company, founded in 1999. It quickly gained traction by selling policies over the internet, which allowed it to offer lower prices to consumers. Today, Esurance is owned by Allstate.

  • 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
State Farm

State Farm

Esurance

Esurance

About the provider Founded in 1922, State Farm ranks as one of the top companies where cars and homes are insured. State Farm stands by its customers by striving to offer the best products and prices. The company is no stranger to the Fortune 500 list. 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 State Farm 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* B+ 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

State Farm

State Farm

Esurance

Esurance

Good student Up to 25% (under 25). Additional discount if student is away from home and only using the car when back 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 3 years no moving violations or at-fault accidents 30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discount
Multicar Up to 20% (two or more vehicles in household)
Military
Homeowner
Other discounts Driving training – Varies (all operators under 21 complete approved drivers education)

Drive Safe & Safe – Enroll in the State Farm app


Vehicle discounts

State Farm

State Farm

Esurance

Esurance

Anti-theft device 5-25%
Anti-lock brake 5%
Passive restraints Up to 40% (medical-related coverage, vehicle made in 1994 or later) 2-33%
Air bag
Other discounts Vehicle safety discount – Up to 40% (medical-related coverage, vehicle made in 1994 or later) New vehicle discount

Bottom line

If you’re looking for a battle-tested insurer, it’s hard to go wrong with State Farm or Esurance. The former has been in the insurance market for nearly 100 years. The latter is owned by Allstate, an industry giant.

State Farm has the slight edge on US states covered. It offers insurance in all 50 states, while Esurance covers only 40 states.

Though both insurers earn high Better Business Bureau grades, they stumble when it comes to claims. Both insurers earn a three-out-of-five score from J.D. Power in customer claims satisfaction.

You may save on your premium with both insurers, as they offer extensive discounts. Both offer promotions like good-student, defensive-driver and multi-car discounts. You’ll also find vehicle discounts for anti-theft devices and passive restraints.

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

Compare alternatives to StateFarm and Esurance

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

Read more on this topic

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site