Auto-Owners vs. Esurance Insurance

Which insurance carrier is right for you? Compare plans, ratings, and quotes from Auto-Owners and Esurance.

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Auto-Owners vs. Esurance: What You Need to Know

Vern V. Moulton and four of his associates founded Auto-Owners Insurance Company in a single room in the Commercial Block Building in Mount Pleasant, Michigan. The company moved to Lansing, Michigan where it still is today. In its first year, Auto-Owners Insurance had only one book of policyholders and $174.25 in total assets. In 1935, Auto-Owners extended beyond Michigan and began writing policies in Indiana. In 1951, the company opens the doors to its new four-story home in downtown Lansing and 400 associates moved in. In 1966 the company established Auto-Owners Life Insurance Company. In 1976, the company moved into its current home in Lansing. Auto-Owners Insurance celebrated its 100th anniversary. In 2017, Auto-Owners begins its affiliation with the Concord General Mutual Insurance group. Today, Auto-Owners Insurance writes policies in 26 states and has more than 4,700 employees. The company has been a member of the Fortune 500 since 2002. In 2018, Auto-Owners Insurance was listed at number 375.

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 Auto-Owners Insurance Co Overview and Esurance Overview.

Auto-Owners Insurance Co vs. Esurance: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Auto-Owners Insurance Co and Esurance. On average, Auto-Owners Insurance Co charges approximately $126.87 per month while Esurance comes in at around $217.98 per month. For Auto-Owners Insurance Co, the cheapest state average is Ohio at $82.27 per month and the most expensive is Michigan at $222.06 per month. For Esurance, the cheapest state average is California at $136.25 per month and the most expensive is New York at $443.02 per month.

Auto-Owners Insurance Co

Average Rate

$126.87
Esurance

Average Rate

$217.98
National

Average Rate

$117.28
State Auto-Owners Insurance Co Esurance
Alabama $119.08 -
Arizona- $167.56
Arkansas $161.95 -
California- $136.25
Colorado $155.88 $176.33
Georgia $121.85 -
Idaho $90.93 -
Illinois $117.62 $137.03
Indiana $109.00 -
Iowa $82.30 -
Kansas $116.43 -
Maryland- $349.48
Michigan $222.06 $246.59
Minnesota $113.30 -
Missouri $109.40 -
Nebraska $98.25 -
New Jersey- $221.50
New York- $443.02
North Carolina $92.63 -
North Dakota $91.84 -
Ohio $82.27 -
Pennsylvania $130.85 $180.52
South Carolina $115.86 -
South Dakota $172.14 -
Tennessee $103.98 -
Texas- $192.04
Utah $158.92 $137.58
Virginia $108.53 -
Wisconsin $107.78 -

Auto-Owners Insurance Co 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 Auto-Owners Insurance Co and Esurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Auto-Owners Insurance Co Esurance
1 Vehicle $116.91 $214.01
2 Vehicles $169.37 $235.88

Auto-Owners Insurance Co 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 Auto-Owners Insurance Co charges $130.97 per month and Esurance charges $195.23 per month for customers who own their home.

Own/Rent Auto-Owners Insurance Co Esurance
Own $130.97 $195.23
Rent $124.22 $231.34

What is Auto-Owners and Esurance Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Auto-Owners and Esurance ranked among the industry ratings.

ComparisonAuto-OwnersEsurance
Year Founded19161999
Market Share0.24%
A.M. Best RatingA++A+
BBB RatingA+A-
Financial StrengthExcellentAbove Average
JD Power RankingBetter Than Most
NAIC Complaint Index0.77
NAIC Complaint Ratio1.14
S&P RatingAAAA-

Auto-Owners or Esurance: Insurance Products Offered

What coverage is available through Auto-Owners and Esurance? Both insurance companies offer Auto, Commercial, Condo, Health, Home, Life, Motorcycle, Pet, Renters, RV, and Umbrella insurance. Additional products from Auto-Owners insurance also includes Farm insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Auto-Owners Insurance Co and Esurance Insurance page.

InsuranceAuto OwnersEsurance
Auto Insurance
Commercial Insurance
Condo Insurance
Farm Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Auto-Owners or Esurance: Ways To Save

Auto-Owners offers a wide range of discounts to its policyholders, including Favorable Loss History, Good Student, and Green discounts. Esurance also offers a few discounts that Auto-Owners doesn’t include Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Esurance and Auto-Owners insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

Auto-OwnersEsurance
Advance Quote DiscountAnti-lock Brakes Discount
Favorable Loss HistoryAnti-theft Discount
Good Student DiscountClaim-free Discount
Green DiscountDefensive Driver Discount
Life Multi-policy DiscountEmergency Road Assistance Discount
Multi-car DiscountFast 5 Discount®
Multi-policy DiscountGood Driver Discount
Paid-in-full DiscountGood Student Discount
Payment HistoryHomeowners Discount
Safety Features DiscountsMulti-car Discount
Student Away at School DiscountMulti-policy Discount
Teen Driver Monitoring DiscountOnline Shopper® Discount
Paid-in-full Discount
Renters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Auto-Owners & Esurance

Pros

Auto-Owners
  • Several options for discounts for teen drivers.
  • Common loss deductible and multi-policy discounts allow clients to save money if they insure home and auto with Auto-Owners Insurance.
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

Auto-Owners
  • Auto-Owners Insurance only serves 26 states.
  • No rideshare insurance.
Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico

Auto-Owners or Esurance Mobile Apps Options

The Auto-Owners Insurance mobile app is available for iOS and Android. This insurance concierge gives you access to your policy 24/7. You can pay your bills, set up and manage automatic payments and check on the status of a claim.

The Esurance mobile app is available for iOS and Android.

Auto-Owners Mobile App
iOS     3.334 user reviews
Android     4.353 user reviews
Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews

Auto-Owners & Esurance Contact Info

Auto-Owners Contact Info
Address6101 Anacapri Blvd., Lansing, MI, 48917
Phone1-517-323-1200
Websitehttps://www.auto-owners.com/
Facebookhttps://www.facebook.com/AutoOwnersInsurance/
Twitterhttps://twitter.com/AutoOwnersIns
Youtubehttps://www.youtube.com/user/AutoOwnersInsurance
Linkedinhttps://www.linkedin.com/company/auto-owners-insurance/
Esurance Contact Info
Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Websitehttps://www.esurance.com/
Facebookhttps://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://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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