Compare Esurance vs. State Farm Car Insurance

What’s the difference between Esurance Car Insurance and State Farm Auto Insurance? See how our editors compare the two companies below.
Last Updated: January 19, 2018
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Esurance Car Insurance
9.2 / 10 - Excellent
#4 in Car Insurance
State Farm Auto Insurance
9.3 / 10 - Excellent
#3 in Car Insurance
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Key Facts

  • Very competitive premiums
  • Manage your policy online with Esurance mobile
  • Excellent customer support services
  • Create a more personalized car insurance that meets your needs
  • Flexible payment options
  • Accident forgiveness

 

  • Strong financial ratings
  • Good variety of discount options
  • Large number of local agents
  • Classic cars, motorcycle, and recreation vehicle insurance
  • Great coverage options
  • 24/7 claims reporting
  • Roadside assistance

OVERALL RATINGS

 EsuranceState Farm
Coverage & Benefits9/1010/10
Pricing and Discounts9/109/10
Financial Strength9/109/10
Customer Experience10/109/10

Coverage Compared

Basic Coverage

Esurance
vs
State Farm
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist
  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

Esurance
vs
State Farm
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Rental Reimbursement
  • Towing & Labor Cost

What do their customers think?

National Association of Insurance Commissioners

 EsuranceState Farm
NAICS Complaint Ratio 2016
1.01
2.58
NAICS Total Complaints 2016
336
9,444
*The NAICS Car Insurance complaint ratio (in this case 1.01) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.
*The NAICS Car Insurance complaint ratio (in this case 2.58) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Customer Ratings

 EsuranceState Farm
Trust Pilot Rating
6.1 out of 10
7.5 out of 10
BBB Rating
A-
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
143
Date Collected
2008-10-16
2017-10-10

Comparing Financial Stregnth

Key Details

 EsuranceState Farm
Underwriter
Allstate Corporation
State Farm Mutual Automobile Insurance Company
Premiums Written 2016
$20,813,857,600
$39,194,660,434
Marketshare 2016
9.72%
18.3%
AM Best Financial Rating
a-
A++
Moody's Financial Rating
A3
A2
Standard & Poor's Financial Rating
A-
AA
*The above information reflects the financial strength of the underwriter of the Esurance car insurance policies: Allstate Corporation.
*The above information reflects the financial strength of the underwriter of the State Farm car insurance policies: State Farm Mutual Automobile Insurance Company.

Pricing & Discounts

 EsuranceState Farm
Per Mile Pricing Available?

Discounts

Esurance
vs
State Farm
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy
  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

Esurance
vs
State Farm
  • Full/Automatic Payment

Contact & Additional Information

 EsuranceState Farm
Homepage URL
Company Phone
(800) 378-7262
(800) 782-8332
Headquarters Address
650 Davis Street, San Francisco, CA, 94111
One State Farm Plaza, Bloomington, IL, 61710
Mailing Address
P.O. Box 5250, Sioux Falls, SD, 57117
Year Founded
1931
1922

Final Verdict

State Farm Auto Insurance and Esurance Car Insurance are very close in quality and have the same overall rating. That said, State Farm scores better than Esurance across: Coverage & Benefits. Whereas, Esurance scores better on Customer Experience. Both companies score similarly on Pricing and Discounts, and Financial Strength.