Compare State Farm vs. Esurance Insurance

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State Farm and Esurance are both top companies for auto insurance. State Farm was founded in 1922, while Esurance was founded much later, in 1999. Both companies have a wide variety of auto discounts and high financial strength and J.D. Power ratings.

In fact, their financial strength scores are both ranked “superior.” State Farm has an outstanding rating of A++ from A.M. Best, the highest score possible, while Esurance has an A+ rating. State Farm is ranked higher on the “Top Ten Auto Insurers of 2015” list at #4, and Esurance stands at #10.

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

  State Farm Esurance
Best If State Farm
  • You want competitive discounts, strong mobile and online features, and high customer satisfaction
Esurance
  • You want low rates, straightforward prices, and strong online tools
Worst If State Farm
  • You want mechanical breakdown coverage
Esurance
  • You want excellent roadside assistance

Special Car Insurance Discounts

State Farm Esurance
State Farm

Commercial Auto Insurance
If you’re a small business owner and have vehicles that you need to keep your business in operation (i.e. pickup trucks or box trucks), consider purchasing commercial auto insurance. It will cover you in the event an employee driving one of your business vehicles gets into an accident while making deliveries or running errands.

There are multiple coverage options for commercial auto insurance:

  • Bodily Injury Liability Coverage
  • Property Damage Liability Coverage
  • Personal Injury/Medical Payments Coverage
  • Collision Coverage
  • Comprehensive Coverage
  • Uninsured/Underinsured Motorists Coverage

There’s also Employers Non-Owned Liability Coverage (ENOL). This policy basically ensures that should any of your employees use their own cars for business purposes, you personally won’t suffer any financial losses if they have an incident or cause any damage. 

Classic Car Insurance

State Farm provides coverage specifically for customers who own classic or antique vehicles. Its website also provides a brief guide that determines whether your car is eligible for Classic Car Insurance.

The available coverages for this type of policy are:

  • Liability
  • Medical Payments/No Fault
  • Comprehensive
  • Collision
  • Uninsured/Underinsured Motor Vehicles
  • Emergency Road Service
  • Death, Dismemberment, and Loss of Sight
  • Loss of Earnings
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 State Farm Esurance
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features State Farm 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 State Farm Esurance
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships State Farm Esurance
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances State Farm Esurance
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts State Farm Esurance
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

State Farm Car Insurance Esurance
2016 105 48
2015 155 67
2014 178 47
2013 135 43

U.S. Auto Insurance Shopping Study (2016)

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

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

State Farm 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 Above average Below average
Rental Car Experience Average Below average
Settlement Average Below average

Financial Strength Ratings

State Farm Car Insurance Esurance
A.M. Best A++ A+
Moody's Aa1 --
S&P's AA --

Mobile Apps

State Farm Esurance
State Farm

State Farm has not only one, but seven mobile apps for your smartphone or web browser that can be used to manage your insurance policies.

Pocket Agent lets you view your insurance card, file or view a claim, access Roadside Assistance, and connect with your local agent. You can also use it to pay any pending insurance premiums and deposit checks to your State Farm bank accounts. To make the app more secure, State Farm has added a fingerprint Touch ID feature you can use to login.

CarCapture is powered by Edmunds.com, a reliable car shopping website. The app recognizes any vehicle you take a picture of from the back and then provides all the information and details you want to know about it. From there, you can determine its market value and even locate a nearby dealership, all while getting a State Farm auto insurance quote.

Steer Clear encourages good, smart driving behaviors. It lets you earn discounts for driving well while teaching you safe driving behaviors. Some new features include driving tips for dangerous weather conditions and videos about others’ driving experiences.

Driver Feedback is an app for drivers of all ages looking to improve some of their driving habits that tend to be a bit dangerous. The app focuses on the driving actions of accelerating, braking, and cornering, since they are the most risky behaviors. From there, the app uses your phone’s accelerometer to measure and score these areas and then provide you with tips based on your results.

Driver Feedback Instructor Edition was created with drivers-ed and parent instructors in mind. It helps instructors track the progress of their student drivers in a smart and easy way and give real-time feedback.

Drive Safe & Save Mobile is a free app you can use to help save money on auto insurance. The gist is that the less you drive and safer you drive, the more you have a chance of saving. The app also includes a wifi option so you can save data on your phone plan.

MoveTools makes the moving process that much easier. Aside from actually packing your belongings when you move, you can use MoveTools to virtually pack them as well. The app has organization features that let you label your boxes and write down each one’s contents so you can keep track of them during the move.

For more information and to download any of these State Farm mobile apps, click 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

State Farm Esurance
State Farm

State Farm Emergency Road Service

This service can help if you need: mechanical labor, towing, delivery of gas, tire change, battery jump-start, locksmith services, or if your car is stuck somewhere.

Roadside Assistance Services Covered

  • Mechanical labor at the site of your car’s breakdown (up to 1 hour) minor labor at the site
  • Towing to the nearest repair service center. Must be near a public road, not in the middle of the campsite
  • Delivery of gas, oil, battery, or replacement tire (but will not pay for these items)
  • Locksmith labor to unlock the car covered up to 1 hour

Services Not Covered

  • Towing cost beyond the nearest repair service center
  • Labor costs beyond the first hour

Contact Phone Number

State Farm’s Emergency Road Service is available by calling 1 (877) 627-5757. Its website is here.

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