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StateFarm vs. Esurance: Which provider is better?

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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.

  • CoverageMyWay® customized coverage
  • 24/7 claims service
  • Convenient mobile app

Our top pick: Esurance

Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

  • First-rate site with quotes in minutes
  • Competitive pricing
  • A+ BBB rating
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Promoted
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
Go to site | Read review


* 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
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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
Go to site | Read review

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 Available states
Progressive
Progressive
Optional
Yes, 3 years accident free
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
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Allstate
Allstate
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
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Metromile
Metromile
Optional
AZ, CA, IL, NJ, OR, PA, VA, WA
Drive less than 30 miles a day? Save on the coverage you need with pay-per-mile insurance from Metromile. Get a low monthly rate then pay just a few cents per mile. Available in AZ, CA, IL, NJ, OR, PA, VA and WA.
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Liberty Mutual
Liberty Mutual
Optional
Yes, 5 years accident free or bought
All 50 states
Car insurance through Liberty Mutual will give coverage options for almost any situation.
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Root
Root
Yes, history based
AZ, AR, CO, DE, GA, IL, IN, IA, KY, LA, MD, MI, MS, MT, NE, NM, ND, OH, OK, OR, PA, SC, TX, UT
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save. Available in 24 states.
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Esurance
Esurance
All states except AK, DE, HI, MT, NH, VT, WY
Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.
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Farmers
Farmers
All 50 states
Backed by nearly 100 years in the business, Farmers Insurance aims to offer options and support to help you find the coverage you need.
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The General
The General
Optional
All states except Hawaii, Massachusetts, Michigan and New Jersey
The General offers affordable coverage for nearly any driver who needs car insurance.
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Compare up to 4 providers

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