Esurance vs State Farm Car Insurance [2020]

Compare car insurance for Esurance vs State Farm by looking at average rates and services available. The average rates for Esurance are $175.67 vs State Farm average rates of $227.62/mo.

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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...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

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Here's what you need to know...

  • State Farm has been in business for a lot longer than Esurance
  • Both companies support the community, with Esurance focusing on environmental initiatives
  • Getting a quote from each will give you a price point to compare for coverage of your needs
  • The average rates for Esurance are $175.67 vs State Farm average rates of $227.62/mo.

Comparing Esurance and State Farm is much like comparing a child to an adult. There is a big difference in the age of the companies as State Farm was initially established in 1922 by a retired farmer, George J. Mecherle.

Esurance initiated their internet-based products in 1999, following the strong trend towards environmental safety and convenient and comprehensive customer services.

There are differences in the services offered as well, with the Esurance Insurance site offering various services that have been recently developed, and State Farm offering a long list of subsidiaries with many services.

After you have finished reading through this State Farm/Esurance review, be sure to use the free tool on this page to compare quotes for auto insurance from many different insurers!

Esurance Insurance Website Offers Convenient and Specialized Services

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Esurance strives for customer satisfaction, offering primarily online policy management and products. With a free quote and instant purchase, a customer can get immediate coverage for several services ranging from homeowner’s insurance to auto and motorcycle insurance.

Esurance Insurance Company was the first-ever insurance company to offer web-based policy purchasing and management, with comprehensive customer service 24 hours a day, seven days a week.

There are many online tools including a Learning Center offering insurance term definitions and answers to any questions you may have.

There is also an Esurance blog that provides information to help you make your insurance decision or to properly manage your policy.

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State Farm Offers More Experience and Broader Services

With State Farm being a much older company than Esurance, there has been much more time for development. In 1942, State Farm Mutual Insurance became the largest national insurance provider and since has held that ranking.

It is actually estimated that one in five vehicles is insured through State Farm Insurance.

Being a mutual insurance company, there are no shareholders of State Farm, differing from Esurance, which does have shareholders.

State Farm Mutual began expanding services in 1965 with the implementation of health insurance, furthering to life insurance and accidental coverage for specialized services needed in New York, Connecticut, and Wisconsin.

There are many State Farm subsidiaries including:

  • State Farm Lloyd’s as directed under Texas law
  • State Farm Florida Insurance Company
  • State Farm Bank, F.S.B.
  • State Farm General Insurance

State Farm & Esurance Products Offered

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State Farm offers many services including mutual investments and bank accounts for their customers while Esurance only offers insurance-based products.

State Farm also has direct community involvement. They offer:

The community affiliation with State Farm goes a bit in a different direction than Esurance as Esurance Insurance is focused on providing a clean environment and sustainability for our future.

The missions are similar, yet State Farm offers many more hands-on opportunities to their customers.

State Farm is also a much higher ranking insurance company than Esurance, which makes sense considering the length of time they have been in business. Both companies value customer satisfaction very highly, with a targeted vision to improve the communities they serve.

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