Compare Farmers vs. Esurance Insurance

Farmers and Esurance are both popular companies in the insurance industry. Both 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 discounts, services, and 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

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Comparing quotes is the best way to get the lowest rates from top insurers like Farmers and Esurance. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Special Car Insurance Discounts

Farmers Esurance
Farmers

Farmers Inner Circle is an exclusive hub for Farmers customers. It has tips and resources for saving money on insurance and how to keep your rates low.

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

This 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

This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.

Switch & Save Discount

This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.

Emergency Road Assistance Discount

You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.

Pac-12 Discount

You can get this discount if you attended or are an alum of a Pac-12 school. 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 Auto Insurance Esurance Auto Insurance
2016 167 48
2015 262 67
2014 237 47
2013 300 43

U.S. Auto Insurance Shopping Study (2016)

Farmers Auto Insurance Esurance Auto Insurance
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 Auto Insurance Esurance Auto Insurance
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 Auto Insurance Esurance Auto Insurance
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. You can instantly view ID cards, connect with your agent, and pay your monthly premiums in one place. The app also lets you:

  • View the details of your coverage policy
  • Get updates from a message center
  • Have instant access with a “Keep Me Logged In” feature

Download it here.

Esurance

Esurance Mobile

This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, 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 shops. If you use a service that's out of Farmers network, you'll have to file a claim for up to $150.

Farmers’ Roadside Emergency Safety Contact Number

Call 1 (800) 435 -7764 or click here. This service help you with an emergency tow, jump start, flat tire, lockout assistance, 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 tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472