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.
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 |
Farmers
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Esurance
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| Worst If |
Farmers
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Esurance
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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 DiscountThis 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 DiscountThis discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments. Switch & Save DiscountThis 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 DiscountYou 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 DiscountYou can get this discount if you attended or are an alum of a Pac-12 school. |
| 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 |
| Farmers Auto Insurance | Esurance Auto Insurance | |
|---|---|---|
| 2016 | 167 | 48 |
| 2015 | 262 | 67 |
| 2014 | 237 | 47 |
| 2013 | 300 | 43 |
| 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 |
| 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 |
| Farmers Auto Insurance | Esurance Auto Insurance | |
|---|---|---|
| A.M. Best | A | A+ |
| Moody's | Aa3 | -- |
| S&P's | A+ | -- |
Farmers
Farmers Insurance Mobile Apphelps 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:
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Esurance
Esurance MobileThis 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. Click here to download the app for iPhone or Android. |
Farmers
Farmers Towing & Roadside AssistanceCovers roadside services up to $150 Services covered:
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 NumberCall 1 (800) 435 -7764 or click here for help with assistance with roadside issues. This service help you with an emergency tow, jump start, flat tire, lockout assistance, winching, and ambulance services. |
Esurance
Esurance Emergency Road Service coverageEsurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
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 |