Farmers vs. Esurance Insurance

Which insurance provider is right for you? Compare cost, discounts, and quotes from Farmers and Esurance.

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Farmers vs. Esurance: What You Need to Know

Farmers Insurance began selling insurance a year before the Great Depression and survived to become a household name. Founders John C. Tyler and Thomas E. Leavey started off by going farm to farm to gain their first policies. They specifically lowered rates for farmers and ranchers because they understood that these occupations posed fewer risks with their vehicles. By 1928, they were able to open an office in downtown Los Angeles. During the Great Depression, Farmers was one of the few companies that were able to pay claims. When a devastating earthquake hit Los Angeles, Farmers paid out claims for damaged cars and became the first insurance company to offer comprehensive insurance.

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, Esuranceoffers 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 Farmers Overview and Esurance Overview.

Farmers vs. Esurance: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Farmers and Esurance. On average, Farmers charges approximately $292.17 per month while Esurance comes in at around $250.10 per month. For Farmers, the cheapest state average is North Dakota at $117.44 per month and the most expensive is Michigan at $839.45 per month. For Esurance, the cheapest state average is Utah at $125.87 per month and the most expensive is New York at $501.74 per month.

Farmers

Average Rate

$292.17
Esurance

Average Rate

$250.10
National

Average Rate

$120.03
State Farmers Esurance
Alabama $203.08 -
Arizona $267.48 $159.82
Arkansas $180.52 -
California $257.97 $143.43
Colorado $297.91 $172.16
Idaho $122.93 -
Illinois $207.54 $138.94
Indiana $133.19 -
Iowa $142.50 -
Kansas $182.29 -
Maryland- $353.27
Michigan $839.45 $272.30
Minnesota $169.34 -
Missouri $209.70 -
Montana $198.62 -
Nebraska $189.17 -
Nevada $308.31 -
New Jersey- $239.29
New Mexico $192.43 -
New York- $501.74
North Dakota $117.44 -
Ohio $150.62 -
Oklahoma $172.61 -
Oregon $173.47 -
Pennsylvania- $204.50
South Dakota $137.05 -
Tennessee $164.53 -
Texas- $194.72
Utah $202.25 $125.87
Washington $154.57 -
Wisconsin $181.37 -
Wyoming $192.61 -

Farmers 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 Farmers and Esurance typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Farmers Esurance
1 Vehicle $273.63 $242.99
2 Vehicles $353.52 $278.16
3 Vehicles $593.72 $446.48
4 Vehicles $856.93 $526.36

Farmers 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 Farmers charges $292.46 per month and Esurance charges $216.90 per month for customers who own their home.

Own/Rent Farmers Esurance
Own $292.46 $216.90
Rent $292.05 $262.91

What is Farmers and Esurance Insurance Rating?

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

ComparisonFarmersEsurance
Year Founded19281999
Market Share3%
A.M. Best RatingA-A+
BBB RatingA+A-
Financial StrengthExcellentAbove Average
JD Power RankingAbout Average
Moody’s RatingA2
NAIC Complaint Index0.8
NAIC Complaint Ratio1.14
S&P RatingAAA-

Farmers or Esurance: Insurance Products Offered

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

InsuranceFarmersEsurance
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Farmers or Esurance: Ways To Save

Farmers offer a wide range of discounts to its policyholders, including Distant Student, Electronic Funds Transfer (EFT), and Good Student discounts. Whereas, Esurance also offers a few discounts that Farmers doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Esurance and Farmers insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

FarmersEsurance
Alternative Fuel DiscountAnti-lock Brakes Discount
Distant StudentAnti-theft Discount
Electronic Funds Transfer (EFT) DiscountClaim-free Discount
Good StudentDefensive Driver Discount
Homeowner DiscountEmergency Road Assistance Discount
Multi-Car DiscountFast 5 Discount®
Multi-policy DiscountGood Driver Discount
Occupational DiscountGood Student Discount
Pay-in-Full DiscountHomeowners Discount
Teen Driver DiscountMulti-car Discount
Transfer DiscountMulti-policy Discount
Online Shopper® Discount
Paid-in-full Discount
Renters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Farmers & Esurance

Pros

Farmers
  • Financial strength
  • Great employee education and customer service.
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

Farmers
  • Steep early-cancellation fees.
Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico

Farmers or Esurance Mobile Apps Options

The Farmers app is available for iOS and Android. The Farmers Mobile App allows you access to self-service features.

The Esurance mobile app is available for iOS and Android.

Farmers Mobile App
iOS     4.83K user reviews
Android     43K user reviews
Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews

Farmers & Esurance Contact Info

Farmers Contact Info
Address6301 Owensmouth Avenue, Woodland Hills, CA 91367
Phone1 (800) 974-6755
Websitehttps://www.Farmers.com
Facebookhttps://www.facebook.com/FarmersInsurance/
Twitterhttps://twitter.com/WeAreFarmers
Youtubehttps://www.youtube.com/farmersinsurance
Linkedinhttps://www.linkedin.com/company/farmers-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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