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StateFarm vs. Esurance: Which provider is better?
StateFarm vs. Esurance
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.
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.
- Online quotes in minutes
- Competitive pricing
- Mobile claims filing
- Customized coverage
- 24/7 claims service
- Convenient mobile app
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|
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|---|---|
| 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. |
| All 50 states | All states except AK, DE, HI, MT, NH, VT, WY |
| Optional | Included free |
| Yes | Yes |
| Yes | No |
| Yes | Yes |
| Yes |
Yes |
| Online Phone |
Online Phone In-person |
| 12 months 6 months Monthly |
12 months monthly |
| Yes | Yes |
| Yes | Yes |
| Yes | Yes |
| No | Yes |
| Yes, Up to 20% | Yes |
| Yes | Yes |
| Yes, up to 40% | Yes |
| Yes | Yes |
| No | No |
| Yes, Up to 25% | Yes |
| No | No |
|
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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.
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