Compare Farmers vs. Esurance Insurance

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Which Company Will Save You the Most Money?

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Farmers and Esurance are both popular companies in the insurance industry. Farmers has had a lot more time to build up that popularity thanks to the fact that it was established all the way back in 1928. Esurance, on the other hand, wasn’t founded until 1999. Still, both companies currently offer customers a wide range of auto discounts, although each has unique packages. For example, Esurance has a Pac-12 discount for drivers who attend or are alumni of a Pac-12 school.

The financial strength and J.D Power ratings for both insurers are quite high, and they also have good user-satisfaction scores (in the A range). Farmers’ roadside service trumps Esurance’s by paying out a higher coverage cost for assistance ($150 vs. $75). 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

  Farmers Esurance
Best If Farmers
  • You want a lot of coverage and vehicle discounts, or if you are accident-prone
Esurance
  • You want low rates, straightforward prices, and strong online tools
Worst If Farmers
  • You want slick online tools to manage your policy
Esurance
  • You want excellent roadside assistance

Special Car Insurance Discounts

Farmers Esurance
Farmers

Farmers Inner Circle is an exclusive information hub for Farmers customers. It provides tips and resources for saving money on insurance and how to keep your premiums from increasing. 

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.

Standard Car Insurance Discounts

Bundling Coverage Discounts Farmers Esurance
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Farmers Esurance
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 Farmers Esurance
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Farmers Esurance
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Farmers Esurance
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Farmers Esurance
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Farmers Car Insurance Esurance
2016 167 48
2015 262 67
2014 237 47
2013 300 43

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Farmers Car Insurance Esurance
A.M. Best A A+
Moody's Aa3 --
S&P's A+ --

Mobile Apps

Farmers Esurance
Farmers

The Farmers Insurance Mobile App helps customers manage their insurance on the go. With its quick access, you can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place and with one touch. The app also lets you view the details of your coverage policy, get updates from a message center, and have instant access with a “Keep Me Logged In” feature. Download the app here.

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.

Roadside Assistance

Farmers Esurance
Farmers

Farmers Towing & Roadside Assistance

Covers roadside services up to $150

Services covered:

  • Emergency towing
  • Dead battery
  • Tire change
  • Lockout
  • Winching
  • Emergency roadside connect – to access police, fire, and medical assistance

Farmers Towing & Roadside Assistance works with over 20,000 road services facilities. If you choose to select your own roadside service that is out of Farmers network, you will have to file a claim for reimbursement up to $150.

Farmers’ Roadside Emergency Safety is available by calling 1 (800) 435 -7764. Its roadside service is available by clicking here. Its Roadside Emergency Safety program can help you with an emergency tow, jump start, flat tire, lockout assistance, roadside winching, and ambulance services. 

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