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State Farm vs. Esurance: Which provider is better?

StateFarm vs. Esurance

Roslyn McKenna
Roslyn McKenna

Updated

Fact checked

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.

State Farm

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Esurance

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OVERVIEW

 OVERVIEW
About the provider
About the brand Work with a dedicated agent to find the right coverage for you, including bundling other policies for the best value. Start your policy today at 877-745-0232. Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
States served
States served All 50 states All states except AK, DE, HI, MT, NH, VT, WY

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
 Yes
Claims methods
Claims methods Online
Phone
 Online
Phone
In-person
Payment schedule
Payment schedule 12 months
6 months
Monthly
 12 months
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 No Yes
Multi car discount
Multi car discount Yes, Up to 20% Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes, up to 40% Yes
Safe driver discount
Safe driver discount Yes Yes
Special employment discount
Special employment discount No No
Student discount
Student discount Yes, Up to 25% Yes
Usage based discount
Usage based discount No No
Learn more
Learn more
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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
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.
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USAA
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Allstate
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
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Root
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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Liberty Mutual
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.
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