Ameriprise vs. Esurance Car Insurance [2021]

In a comparison of Ameriprise vs. Esurance, the latter came out on top. Esurance quotes are more affordable on average than Ameriprise. and Esurance offers more car insurance discounts. Both companies hold the same A.M. Best rating, but Esurance is also more well-reviewed by the Better Business Bureau.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 26, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Esurance offers more affordable rates than Ameriprise
  • More discounts are offered by Esurance
  • The Better Business Bureau gave a higher rating to Esurance

There are so many insurance providers out there that it is prudent to analyze only two. Today we will focus on Ameriprise vs. Esurance Car Insurance Company today.

In our Ameriprise vs. Esurance car insurance review, we will cover company pricing, discounts, and ratings.

Prior to diving into Ameriprise vs. Esurance, type your ZIP code into our free and helpful tool above to find affordable car insurance quotes in your area.

Ameriprise vs. Esurance: Which company offers more affordable rates?

Ameriprise vs. Esurance: which car insurance is cheaper? Let’s look at a table that compares the annual rates offered by various major insurance companies for basic coverage.

Average Annual Car Insurance Rates by Company
CompanyAverage Annual Annual Rates
Ameriprise$1,387
Amica$1,071
State Farm$1,340
Progressive$1,365
Esurance$1,165
Get Your Rates Quote Now

Compare RatesStart Now →

Is it easy to find affordable Ameriprise vs. Esurance car insurance quotes? As you can see, Ameriprise insurance is a little over $200 more per year than an Esurance quote.

In short, when it comes to Ameriprise vs. Esurance car insurance rates, Esurance won.

Now that we’ve covered rates in our Esurance and Ameriprise car insurance review, let’s move on to the discounts offered by Ameriprise and Esurance.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Which company has better discounts?

Always make sure to ask about available discounts. It’s the best way to save money on your monthly auto insurance rates. Let’s look at this table for the best discounts offered by major insurers:

Car Insurance Discounts Available by Company
CompaniesAdaptive HeadlightsAdaptive Cruise ControlAnti-lock BrakesAnti-TheftDaytime Running LightsElectronic Stability ControlForward Collision WarningGreen VehicleLane Departure WarningNewer VehiclePassive RestraintVIN EtchingVehicle Recovery
21st CenturyN/AN/AYesYesYesN/AN/AYesN/AYesYesN/AYes
AAAN/AN/AYesYesYesN/AN/AN/AN/AYesYesN/AYes
AllstateN/AN/A10%10%2%2%N/A10%N/A30%30%N/A10%
American FamilyN/AN/AYesYesYesYesN/AN/AN/AN/A30%N/AYes
AmeripriseN/AN/A3%3%YesN/AN/AN/AN/AN/A3%N/A5%
AmicaYesN/A5%25%N/A5%8%N/AN/AN/A30%N/A10%
Country FinancialYesN/AYes10%YesYesYesN/AN/A10%YesN/AN/A
EsuranceN/AN/A5%25%YesN/AN/AYesN/AYes33%Yes25%
FarmersYesN/AYesYesYesYesN/A5%N/AYesYesYesYes
GeicoN/AN/A5%25%1%N/AN/AN/AN/AYes40%N/A25%
Liberty Mutual5%5%5%20%5%5%5%10%YesN/AYes5%35%
MetLifeYesYes5%10%5%YesYesN/AYesYes5%10%10%
NationwideYesYes5%25%5%YesYesN/AYesYes20%Yes25%
ProgressiveYesYesYesYesYesYesYesN/AYesYesYesYesYes
Safe AutoN/AN/A5%N/A5%N/AN/AN/AN/AYes5%YesYes
SafecoN/AN/AYesYesN/AN/AN/AN/AN/AYes2%YesYes
State FarmN/AN/A5%15%N/AN/AN/AN/AN/A40%40%N/A5%
The GeneralN/AN/A8%8%N/AN/AN/AN/AN/AN/A8%N/A8%
The HanoverN/AN/A5%5%5%N/AN/AN/AN/AN/A5%N/AYes
The Hartford3%N/A3%3%3%N/A3%3%N/A3%3%N/A3%
TravelersN/AN/AYesYesYesN/AN/A10%N/A10%YesYesYes
USAAN/AN/AYesYesYesN/AN/AN/AN/A12%YesYesYes
Get Your Rates Quote Now

Compare RatesStart Now →

As you can see, both companies offer numerous car insurance discounts. However, Esurance offers three more than Ameriprise. These are for possessing a green vehicle, a newer vehicle, and VIN etching.

Let’s now wrap up with company ratings and see if Esurance can sweep our comparison.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Ameriprise vs. Esurance: Which company is more well-reviewed?

We will now wrap up with Amica and Ameriprise car insurance reviews from A.M. Best and the Better Business Bureau (BBB).

The BBB’s rating scale goes from “A+” down to “F”. Ameriprise received a rating of “A-“, but lacks BBB accreditation. How did Esurance fare in comparison? It holds a rating of “A-.”

A.M. Best’s Financial Strength Rating (FSR) scale ranges from “A++” down to “D.” Ameriprise received an FSR of “A+.” Did Esurance win again? It received the same rating.

Should you buy Ameriprise vs. Esurance car insurance? Esurance would almost certainly be the better bet. Should it help you, the Esurance customer service number is 1(800) 378-7262.

However, don’t let your comparison stop with Ameriprise vs. Esurance. Type your ZIP code into our free and helpful tool below to get free quotes from local companies.

Leave a Reply

Sending

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption