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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.
- 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
 State Farm |
 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
Vehicle discounts
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.
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