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 $220.73 per month while Esurance comes in at around $248.47 per month. For State Auto, the cheapest state average is North Dakota at $136.01 per month and the most expensive is Maryland at $272.84 per month. For Esurance, the cheapest state average is Utah at $126.17 per month and the most expensive is New York at $505.13 per month.

State Auto

Average Rate

$220.73
Esurance

Average Rate

$248.47
National

Average Rate

$119.70
State State Auto Esurance
Alabama $173.00 -
Arizona- $161.54
California- $141.98
Colorado- $173.75
Illinois $211.43 $140.48
Indiana $237.43 -
Kentucky $196.64 -
Maryland $272.84 $356.19
Michigan- $270.49
New Jersey- $238.78
New York- $505.13
North Dakota $136.01 -
Ohio $157.08 -
Pennsylvania $223.09 $204.46
South Carolina $177.39 -
Tennessee $177.33 -
Texas $271.11 $195.99
Utah $194.12 $126.17
Wisconsin $165.70 -

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

Number of Vehicles State Auto Esurance
1 Vehicle $210.79 $241.73
2 Vehicles $255.03 $274.10
3 Vehicles $370.21 $450.65
4 Vehicles $ $404.75

State Auto 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 State Auto charges $198.85 per month and Esurance charges $215.86 per month for customers who own their home.

Own/Rent State Auto Esurance
Own $198.85 $215.86
Rent $231.28 $261.72

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.

ComparisonState AutoEsurance
Year Founded19211999
A.M. Best RatingA+A+
BBB RatingA+A-
Financial StrengthExcellentAbove Average
NAIC Complaint Ratio1.14
S&P RatingAA-

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.

InsuranceState AutoEsurance
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 AutoEsurance
Accident Prevention CourseAnti-lock Brakes Discount
Anti-theft Device DiscountAnti-theft Discount
Driver TrainingClaim-free Discount
Good Student DiscountDefensive Driver Discount
Multi-car DiscountEmergency Road Assistance Discount
Multi-policy DiscountFast 5 Discount®
Paid in Full DiscountGood Driver Discount
State Auto Safety 360Good Student Discount
State Auto Start-UpHomeowners 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     1.817 user reviews
Android     2.325 user reviews
Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews

State Auto & Esurance Contact Info

State Auto Contact Info
Address518 East Broad Street, Columbus, OH 43215
Phone1 (833) 724-3577
Websitehttps://www.stateauto.com/
Facebookhttps://www.facebook.com/stateauto/
Twitterhttps://twitter.com/StateAuto
Linkedinhttps://www.linkedin.com/company/state-auto-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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