Comprare Esurance vs. American Family Insurance

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Esurance and American Family are two big companies in the auto insurance industry. Esurance was founded in 1999, much after American Family in 1927. Esurance and American Family both have a wide variety of auto discounts and unique policy options.

While Esurance provides low premiums and straightforward prices, American Family follows with helpful discounts and additional coverage options. However, Esurance’s roadside assistance program has received negative reviews, while American Family’s roadside service policy has stronger ratings. Both companies are financially strong and rate high on J.D. Power.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Esurance American Family
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
American Family
  • You want many discount options or additional coverage
Worst If Esurance
  • You want excellent roadside assistance
American Family
  • You live in one of the 31 states that American Family doesn’t cover, or D.C.

Special Car Insurance Discounts

Esurance American Family
Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

American Family

Teen Safe Driver Program
According to the American Family's home website, the Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers.

Business Car Insurance
Business car insurance covers the car owner and his employees if/when his business is on the move.

Classic Car Insurance
For owners of old, classic cars, this special policy allows them to acquire coverage that aligns with the car's value. American Family works with these special car owners to create a personalized policy that gives them and their cars the protection they need.

Standard Car Insurance Discounts

Bundling Coverage Discounts Esurance American Family
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Esurance American Family
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Esurance American Family
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Esurance American Family
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Esurance American Family
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Esurance American Family
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Esurance American Family Car Insurance
2016 48 33
2015 67 32
2014 47 18
2013 43 9

U.S. Auto Insurance Shopping Study (2016)

Esurance American Family Car Insurance
Overall Purchase Experience Average Above average
Policy Offerings Average Above average
Pricing Average Above average
Local Agent Average Above average
Call Center Representative -- --
Insurer Website Among the best --

U.S. Auto Insurance Claims Satisfaction Study (2015)

Esurance American Family Car Insurance
Overall Satisfaction Below average Average
First Notice of Loss Below average Average
Service Interaction Below average Above average
Appraisal Below average Average
Repair Process Below average Average
Rental Car Experience Below average Above average
Settlement Below average Average

Financial Strength Ratings

Esurance American Family Car Insurance
A.M. Best A+ A-
Moody's -- --
S&P's -- A

Mobile Apps

Esurance American Family
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

American Family

My Amfam is American Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device, so interacting with your insurance company or agent is just one touch away. You can use it to contact or search for nearby agents, file or view an auto claim, and even pay your insurance premiums. The app is downloadable for iPhone or Android here.

DreamVault is an app from American Family that lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items so that in the event you have to file a claim, all your information on your belongings is literally right there in your hands. Download DreamVault here

Roadside Assistance

Esurance American Family
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

American Family

American Family Emergency Roadside Service

American Family's roadside service includes mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, battery charges, and locksmith services if you’re locked out.

Add Emergency Roadside Service to your existing auto policy to help pay for service and support when your can is broken down. "Sign and Drive direct billing helps cover payments upfront.

Roadside Services covered

  • Up to 1 hour of labor on site
  • Towing to the nearest repair shop
  • Gas and oil delivery
  • Tire change
  • Jump start
  • Locksmith service

Contact Phone Number

American Family’s Emergency Roadside Coverage is available by calling 1 (800) MYAMFAM (1-800-692-6326).