State Farm or Esurance: Which Company is Best for You?
State Farm and Esurance are two of the biggest names in insurance, with an advertising reach to match. Chances are you've seen more than one commercial from either in the past month. State Farm was founded in 1922, while Esurance was founded in 1999. Both are widely-trusted companies, but which has the discounts, services, and customer ratings that matter most to you? See how they stack up below.
| Discount Comparison | State Farm | Esurance |
|---|---|---|
| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Anti-Lock Brake System |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Advanced Purchase | ||
| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle |
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| Annual Mileage | ||
| Military |
| Ratings Comparison | State Farm | Esurance |
|---|---|---|
| Financial Strength | Excellent | Superior |
| JD Power Rankings | Above average | N/A |
| User Satisfaction | 4.5/5 | 4.5/5 |
| Other Products | State Farm | Esurance |
|---|---|---|
| Boat Insurance |
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| Condo Insurance |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | State Farm | Esurance |
|---|---|---|
| About | Get the protection you need at a price you can afford with State Farm; offering packaged options, discounts and custom coverage to meet any driver's needs. | From car insurance to homeowners, motorcycle, and renters coverage, Esurance will be there for you from quote to claim with lightning-fast claims and proven financial strength. |
| Roadside Assistance | State Farm's Emergency Road Service offers mechanical labor at the place of breakdown, the towing of your vehicle to a repair facility, removal of a stuck vehicle, delivery of gas or oil, assistance with changing a tire or a jumpstart, and locksmith services. | Esurance's Emergency Roadside Service will pay up to $75 towards roadside services including towing assistance, tire changes, gas, oil, and water delivery, battery service and lockout service. You may need to have comprehensive and collision coverage as a prerequisite to add this coverage to your policy. |
| Additional Discounts | State Farm offers an additional discount for vehicles made in 1994 or later, depending on the loss experience of the vehicle make and model. | Esurance offers an additional discount for customers who have obtained emergency road assistance from a provider other than Esurance (such as AAA or the National Automobile Club). |
| Recent Questions |
My car was towed by an apartment complex, will State Farm reimburse me for the towing cost?
Roadside assistance covers towing but it won't cover your car being towed by someone else. Your insurance company will not cover the cost of your car being towed from parking in the wrong location.
I started a claim but canceled it with no payout. Why is it on my CLUE report?
Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Does State Farm cover rodent damage to my car's electrical wiring through comprehensive coverage?
While I can't speak specifically for State Farm, most companies will cover damage caused by a rodent under comprehensive coverage. For specifics about your State Farm policy, you will want to contact them directly.
Does State Farm match auto insurance quotes with other companies?
In truth, no. Car insurance companies determine their rates based on their previous years' filings (loss to revenue ratio) in addition to other factors.
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Can Esurance deny a refund if I forgot to cancel my policy when I switched to a new company?
This sounds like an company issue and not a state law. Insurance companies in Illinois are legally required to issue refunds for "unearned premium", but you didn't prepay your bill.
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| Compare More | State Farm vs. 21st Century State Farm vs. Allied State Farm vs. American Family State Farm vs. Amica Mutual Insurance State Farm vs. Erie State Farm vs. Farm Bureau Mutual State Farm vs. Foremost State Farm vs. Infinity State Farm vs. Mercury State Farm vs. MetLife State Farm vs. Metromile State Farm vs. North Star Mutual State Farm vs. Root Insurance State Farm vs. Safe Auto State Farm vs. The General State Farm vs. The Hartford State Farm vs. Titan State Farm vs. Travelers | Esurance vs. 21st Century Esurance vs. Allied Esurance vs. Allstate Esurance vs. American Family Esurance vs. Amica Mutual Insurance Esurance vs. Auto Club (AAA) Esurance vs. Elephant Esurance vs. Erie Esurance vs. Farmers Esurance vs. Foremost Esurance vs. GEICO Esurance vs. Infinity Esurance vs. Liberty Mutual Esurance vs. Mercury Esurance vs. MetLife Esurance vs. Metromile Esurance vs. Nationwide Esurance vs. Progressive Esurance vs. Safe Auto Esurance vs. Safeco Esurance vs. The General Esurance vs. The Hartford Esurance vs. Titan Esurance vs. Travelers Esurance vs. USAA |
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