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State Auto vs. Esurance Insurance
Which insurance carrier is right for you? Compare insights, rates, and quotes from State Auto and Esurance.
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State Auto vs. Esurance: What You Need to Know
In 1921, Robert S. Pein started State Automobile Insurance Company with a borrowed sum of $30,000. Pein wanted to offer an alternative to the high rates other insurers were charging. He also wanted to a better claims settlement process. The company had humble beginnings with a staff of three in a small rented room in downtown Columbus. Pein insisted and his insurance products only be sold through independent agents, a decision that became company policy that is still in effect.
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 State Auto Overview and Esurance Overview.
State Auto vs. Esurance: How much are the Average Rates?
Below is a list of the average rates that drivers typically pay with State Auto and Esurance. On average, State Auto charges approximately $251.71 per month while Esurance comes in at around $199.19 per month. For State Auto, the cheapest state average is Kentucky at $196.43 per month and the most expensive is Indiana at $435.04 per month. For Esurance, the cheapest state average is Illinois at $116.97 per month and the most expensive is Maryland at $326.06 per month.
Average Rate
Average Rate
Average Rate
| State | State Auto | Esurance |
|---|---|---|
| Arizona | - | $147.91 |
| California | - | $129.82 |
| Colorado | - | $190.77 |
| Illinois | $205.58 | $116.97 |
| Indiana | $435.04 | - |
| Kentucky | $196.43 | - |
| Maryland | - | $326.06 |
| Michigan | - | $268.62 |
| New Jersey | - | $225.12 |
| New York | - | $324.34 |
| Pennsylvania | $207.05 | $195.05 |
| South Carolina | $233.68 | - |
| Texas | $241.21 | $189.98 |
State Auto vs. Esurance: Rates by Number of Vehicle
Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that State Auto and Esurance typically charge for drivers who have more than 1 vehicle.
| Number of Vehicles | State Auto | Esurance |
|---|---|---|
| 1 Vehicle | $250.10 | $195.48 |
| 2 Vehicles | $295.66 | $318.35 |
State Auto vs. Esurance: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average State Auto charges $217.46 per month and Esurance charges $226.16 per month for customers who own their home.
| Own/Rent | State Auto | Esurance |
|---|---|---|
| Own | $217.46 | $226.16 |
| Rent | $256.65 | $197.23 |
What is State Auto and Esurance Insurance Rating?
Which car insurance company is better? We've made it easy to compare companies side by side. See how State Auto and Esurance ranked among the industry ratings.
| Comparison | State Auto | Esurance |
|---|---|---|
| Year Founded | 1921 | 1999 |
| A.M. Best Rating | A+ | A+ |
| BBB Rating | A+ | A- |
| Financial Strength | Excellent | Above Average |
| NAIC Complaint Ratio | 1.14 | |
| S&P Rating | AA- |
State Auto or Esurance: Insurance Products Offered
What coverage is available through State Auto and Esurance? Both insurance companies offer Auto, Commercial, Condo, Home, and Umbrella insurance. Additional products from Esurance insurance also includes Health, Life, Motorcycle, Pet, Renters, and RV insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit State Auto and Esurance Insurance page.
| Insurance | State Auto | Esurance |
|---|---|---|
| Auto Insurance | ✔ | ✔ |
| Commercial Insurance | ✔ | ✔ |
| Condo Insurance | ✔ | ✔ |
| Farm Insurance | ✔ | |
| Health Insurance | ✔ | |
| Home Insurance | ✔ | ✔ |
| Life Insurance | ✔ | |
| Motorcycle Insurance | ✔ | |
| Pet Insurance | ✔ | |
| Renters Insurance | ✔ | |
| RV Insurance | ✔ | |
| Umbrella Insurance | ✔ | ✔ |
State Auto or Esurance: Ways To Save
State Auto offers a wide range of discounts to its policyholders, including Anti-theft Device, Driver Training, and Good Student discounts. In contrast, Esurance also offers a few discounts that State Auto doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Esurance and State Auto insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.
| State Auto | Esurance |
|---|---|
| Accident Prevention Course | Anti-lock Brakes Discount |
| Anti-theft Device Discount | Anti-theft Discount |
| Driver Training | Claim-free Discount |
| Good Student Discount | Defensive Driver Discount |
| Multi-car Discount | Emergency Road Assistance Discount |
| Multi-policy Discount | Fast 5 Discount® |
| Paid in Full Discount | Good Driver Discount |
| State Auto Safety 360 | Good Student Discount |
| State Auto Start-Up | Homeowners Discount |
| Multi-car Discount | |
| Multi-policy Discount | |
| Online Shopper® Discount | |
| Paid-in-full Discount | |
| Renters Plus® Discount | |
| Safety Device Discount | |
| Switch & Save® Discount |
Pros & Cons of State Auto & Esurance
Pros
State Auto
- State Auto offers tiers of protection, which simplifies decision-making about coverages based on budget.
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
State Auto
- The mobile app is not for most drivers, only those who take part in the Safe Auto telematics program.
- Car insurance is only available in Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, North Carolina, North Dakota, Ohio, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia and Wisconsin.
Esurance
- Does not score very high on the repair process
- Prices are a bit higher than other budget insurers like Progressive and Geico
State Auto or Esurance Mobile Apps Options
The State Auto telematics app is available for iOS and Android. The State Auto Safety 360 telematics program was designed to keep you safer on the road. You may even earn up to 50% on auto insurance premiums. You may even save 10% for signing up.
The Esurance mobile app is available for iOS and Android.
| State Auto Mobile App | ||
|---|---|---|
| iOS | 1.8 | 17 user reviews |
| Android | 2.3 | 25 user reviews |
| Esurance Mobile App | ||
|---|---|---|
| iOS | 4.8 | 1,194 user reviews |
| Android | 4.7 | 8,655 user reviews |
State Auto & Esurance Contact Info
| State Auto Contact Info | |
|---|---|
| Address | 518 East Broad Street, Columbus, OH 43215 |
| Phone | 1 (833) 724-3577 |
| Website | https://www.stateauto.com/ |
| https://www.facebook.com/stateauto/ | |
| https://twitter.com/StateAuto | |
| https://www.linkedin.com/company/state-auto-insurance | |
| Esurance Contact Info | |
|---|---|
| Address | 650 Davis Street, San Francisco, CA 94111 |
| Phone | 1-800--378-7262 |
| Website | https://www.esurance.com/ |
| https://www.facebook.com/Esurance/ | |
| https://twitter.com/esurance | |
| Youtube | https://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw |
| 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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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