American Family vs. Esurance Insurance

Which insurance carrier is right for you? Compare rates, discounts, and quotes from American Family and Esurance.

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American Family vs. Esurance: What You Need to Know

Allied Mutual Automobile Association was formed by Harold Evans in 1929. After years of operating as a standalone brand, Allied Insurance became Nationwide in 1998. Policies, documents, bills and account statements for Allied customers are now featuring the Nationwide name and logo.

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esurance offers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county -- and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace founded Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.

Below is a list of average rates, rankings, products and discounts for the two companies. For full company overviews, you can visit American Family Overview and Esurance Overview.

American Family vs. Esurance: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with American Family and Esurance. On average, American Family charges approximately $228.70 per month while Esurance comes in at around $174.04 per month. For American Family, the cheapest state average is Washington at $239.97 per month and the most expensive is Nevada at $340.87 per month. For Esurance, the cheapest state average is California at $128.86 per month and the most expensive is New York at $340.89 per month.

American Family

Average Rate

$228.70
Esurance

Average Rate

$174.04
National

Average Rate

$133.56
State American Family Esurance
Arizona- $190.39
California- $128.86
Michigan- $225.86
Nevada $340.87 -
New Jersey- $207.41
New York- $340.89
Pennsylvania- $170.22
Texas- $175.01
Washington $239.97 -

American Family vs. Esurance: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that American Family and Esurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles American Family Esurance
1 Vehicle $221.25 $168.13
2 Vehicles $273.73 $226.59

American Family vs. Esurance: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average American Family charges $232.46 per month and Esurance charges $167.67 per month for customers who own their home.

Own/Rent American Family Esurance
Own $232.46 $167.67
Rent $227.94 $174.98

What Are American Family and Esurance Insurance's Ratings?

Which car insurance company ranks better? We've made it easy to compare companies side by side. Below is how American Family and Esurance Insurance ranked among the industry ratings. American Family received a score of 'Excellent' for their financial strength while Esurance came in at 'Above Average'. Esurance was also down slightly in the rating from the BBB. They received an A- while American Family received an A+.

Comparison American Family Esurance
Year Founded 1927 1999
Market Share 1.91%
BBB Rating A+ A-
Financial Strength Excellent Above Average
JD Power Ranking About Average
NAIC Complaint Index 0.64 1.14
S&P Rating A AA-

American Family or Esurance: Insurance Products Offered

American Family and Esurance both offer auto insurance, but what other products do they offer? Insurance Companies will often times offer their policy holders with discounts for bundling multiple products together. So it's a good idea to know what your options are. Both American Family and Esurance offer business, condo, health, life, motorcycle, RV, Renters, Snowmobile and umbrella Insurance. A full list of available products is listed below.

Insurance American Family Esurance
Atv Insurance
Boat Insurance
Boat/Pwc Insurance
Business Insurance
Car Insurance
Classic Car Insurance
Classic Vehicle Insurance
Commercial Auto Insurance
Condo Insurance
Farm And Ranch Insurance
Flood Insurance
Golf Cart Insurance
Health Insurance
Home Insurance
Identity Theft Insurance
Landlord Insurance
Life Insurance
Manufactured Home Insurance
Mexican Auto Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
Rv Insurance
Scooter Insurance
Segwayinsurance
Snowmobile Insurance
Travel Insurance
Travel Trailer Insurance
Umbrella Insurance

American Family or Esurance: Ways to Save

Want to save some money? Of course -- who doesn't! American Family and Esurance Insurance both offer numerous options to save with the discounts they offer. Discounts are ways for carriers to reward their policy holders for being good customers. You can review the full list of discounts that these two companies offer below.

American FamilyEsurance
Away at School DiscountAnti-lock Brakes Discount
Claims-free PricingAnti-theft Discount
Generational DiscountClaim-free Discount
Good Student DiscountDefensive Driver Discount
KnowYourDriveEmergency Road Assistance Discount
Loyalty DiscountFast 5 Discount®
Multi-product DiscountGood Driver Discount
Smart Home DiscountGood Student Discount
Teen Safe Driver DiscountHomeowners Discount
Young Volunteer DiscountMulti-car Discount
Multi-policy Discount
Online Shopper® Discount
Paid-in-full Discount
Renters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of American Family & Esurance

Pros

American Family
  • American Family Insurance has 24/7 claim support.
  • With KnowYourDrive technology that analyzes your driving habits, you may be able to earn a discount of up to 20%.
  • Teen Safe Driver also uses technology to monitor distracted driving and may earn a teen up to 10% in car insurance discounts.
  • The American Family MyAmFam app is very helpful for managing your account.
  • American Family Insurance offers rideshare insurance for Uber and Lyft drivers.
Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.

Cons

American Family
  • American Family Insurance only serves 19 states.
Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico

American Family or Esurance Mobile Apps Options

The American Family mobile app is available for iOS and android. Called MyAmFam, the app allows users to manage their insurance policy: Make payments, view coverage and policy details, access digital ID cards, in-app payment reminders, find a repair shop, submit a claim, get roadside assistance and more. The Esurance mobile app is available for iOS and Android and has the same features.

American Family Mobile App
iOS      4.8 30K user reviews
Android      4.4 3.5K user reviews
Esurance Mobile App
iOS      4.8 1,194 user reviews
Android      4.7 8,655 user reviews

American Family & Esurance Contact Info

American Family Contact Info
Address 6000 American Parkway, Madison, WI 53783
Phone 1-800-692-6326
Website https://www.amfam.com/insurance
Facebook https://www.facebook.com/amfam/
Twitter https://twitter.com/amfam
Youtube https://www.youtube.com/user/amfam
Linkedin https://www.linkedin.com/company/american-family-insurance/
Esurance Contact Info
Address 650 Davis Street, San Francisco, CA 94111
Phone 1-800--378-7262
Website https://www.esurance.com/
Facebook https://www.facebook.com/Esurance/
Twitter https://twitter.com/esurance
Youtube https://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedin https://www.linkedin.com/company/esurance/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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