American Family vs Esurance Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

American Family
89
What is this?

Insurify Composite Score

Esurance
94
What is this?

Insurify Composite Score

American Family VS Esurance
89
94
What is this?
User Ratings
OptionsAmerican Family Esurance
Rating/Reviews
138 reviews
4,728 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAmerican Family Esurance
Call Center Representative--Among the best
Insurer Website--About average
Local AgentBetter than most--
Overall SatisfactionBetter than mostAbout average
Policy OfferingsBetter than mostAbout average
PricingBetter than mostAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAmerican Family Esurance
Claim ServicingAbout averageAbout average
Estimation ProcessAbout averageAbout average
First Notice of Loss (FNOL)About averageAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessAbout averageThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAmerican Family Esurance
California--818 pt
About average
Central823 pt
About average
--
Florida--826 pt
About average
North Central820 pt
About average
799 pt
The rest
Northwest826 pt
Better than most
--
Southwest819 pt
About average
--
Mobile App Ratings
RegionAmerican Family Esurance
Android
1,081 Reviews
4,165 Reviews
iOS
6,200 Reviews
108 Reviews
Financial Ratings
OptionsAmerican Family Esurance
A.M. BestAA+
FitchA+--
Moody'sAa3--
Standard & Poor'sA+--

Auto Insurance Quotes

For Married Drivers

CityAmerican Family Esurance
Austin--$84
Chicago$76$76
Philadelphia--$104
Phoenix$82$75
Santa Monica--$67

For Single Drivers

CityAmerican Family Esurance
Austin--$81
Chicago$76$80
Philadelphia--$108
Phoenix$82$82
Santa Monica--$106

For Male Drivers

CityAmerican Family Esurance
Austin--$85
Chicago$76$81
Philadelphia--$105
Phoenix$82$81
Santa Monica--$105

For Female Drivers

CityAmerican Family Esurance
Austin--$80
Chicago$76$75
Philadelphia--$107
Phoenix$82$75
Santa Monica--$68

For Drivers with Speeding Ticket

CityAmerican Family Esurance
Austin--$95
Chicago$102$102
Philadelphia--$127
Phoenix$121$94
Santa Monica--$131

For Drivers with No Speeding Ticket

CityAmerican Family Esurance
Austin--$80
Chicago$70$73
Philadelphia--$103
Phoenix$74$75
Santa Monica--$77

For Drivers Age Between 18-40

CityAmerican Family Esurance
Austin--$79
Chicago$76$77
Philadelphia--$108
Phoenix$81$78
Santa Monica--$118

For Drivers Age Between 40-65

CityAmerican Family Esurance
Austin--$79
Chicago$72$72
Philadelphia--$98
Phoenix$77$72
Santa Monica--$63

For Drivers Age of 65+

CityAmerican Family Esurance
Austin--$112
Chicago$89$101
Philadelphia--$130
Phoenix$104$102
Santa Monica--$57

For Drivers with Average Credit

CityAmerican Family Esurance
Austin--$82
Chicago$80$81
Philadelphia--$114
Phoenix$87$80
Santa Monica--$78

For Drivers with Fair Credit

CityAmerican Family Esurance
Austin--$96
Chicago$82$84
Philadelphia--$125
Phoenix$89$83
Santa Monica--$73

For Drivers with Good Credit

CityAmerican Family Esurance
Austin--$79
Chicago$73$74
Philadelphia--$100
Phoenix$80$74
Santa Monica--$70

For Drivers with Excellent Credit

CityAmerican Family Esurance
Austin--$73
Chicago$68$72
Philadelphia--$86
Phoenix$72$76
Santa Monica--$125

Quotes & Discounts

Discount typeAmerican Family Esurance
Passive RestraintUp to 30%Up to 33%
Good StudentUp to 25%Up to 10%
MilitaryUp to 25%--
Senior AdultUp to 25%--
Student Away at SchoolUp to 25%--
Multiple PolicyUp to 15%Up to 15%
Multiple VehicleUp to 13%Up to 5%
OccupationUp to 10%--
Low MileageUp to 8%--
Anti-lock BrakeUp to 5%Up to 5%
Driving HabitsUp to 5%Up to 5%
Early QuoteUp to 5%--
Electronic Stability ControlUp to 5%--
Home OwnerUp to 5%Varies
LoyaltyUp to 5%--
New GraduateUp to 5%--
Paid in fullUp to 5%Up to 10%
Preferred paymentUp to 5%--
Provider SwitchUp to 5%Up to 5%
Sponsored MarketingUp to 5%--
TravelinkUp to 5%--
Accident FreeUp to 3%Up to 25%
Daytime Running LightsUp to 3%--
Paperless documentsUp to 3%--
Accident ForgivenessVaries--
Anti-Theft DeviceVariesUp to 25%
Defensive DriverVariesUp to 10%
teenSMARTVaries--
Alumni--Up to 15%
Good Driver--Up to 40%
Organization--Up to 5%
Prepay--Up to 10%
Roadside Assistance--Up to 5%
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 5%

Payment Methods

Discount typeAmerican Family Esurance
Automatic Online Payment
yes--
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Mail Payment
yes--
Mobile App Payments
yesyes
Multi-Payment Installment Plans
yes--
Online Payment
yes--
Phone Payment
yes--

Features and Services

Features and ServicesAmerican Family Esurance
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyes--

Optional Coverages

Optional CoveragesAmerican Family Esurance
Accidental Death, Dismemberment, Disability
yes--
Antique or Collector Car Insurance
yes--
Comprehensive Claim Forgiveness
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yes--
Gap Insurance
yesyes
Incident Forgiveness
--yes
Legal Defense Costs Coverage
yes--
Loss of Use Coverage
--yes
Mechanical Breakdown Insurance
--yes
Original Equipment Manufacturer Coverage
--yes
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
SR-22 Coverage
yes--
Umbrella Policy
yes--
Work Loss Coverage
yes--

Online Quoting by State

  • American Family
  • Esurance
  • Both

Uber and Lyft driver insurance

  • American Family
  • Esurance
  • Both

SR‌-22 Insurance by State

  • American Family
  • Esurance
  • Both

Compare Insurance Products

ProductAmerican Family Esurance
ATV InsuranceATV Insuranceyesyes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyesyes
Cell Phone InsuranceCell Phone Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insuranceyesyes
Farm InsuranceFarm Insuranceyes--
Flood InsuranceFlood Insuranceyesyes
Health InsuranceHealth Insuranceyesyes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insuranceyes--
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Snowmobile insuranceSnowmobile insuranceyesyes
Travel InsuranceTravel Insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • American Family Reviews
  • Esurance Reviews
3.4
5 Stars
37 %
4 Stars
12 %
3 Stars
23 %
2 Stars
9 %
1 Star
19 %

Most Positive Review

By Theresa
They have been honest, personable,and easy to communicate with. Their rates are reasonable and automatic payments are a nice way to pay. I only am planning to switch because the location I'm moving to isn't covered by American Family.

Most Critical Review

By dmack
They base adjuster salaries on steering. In the adjuster performance reviews they have a required goal on steering vehicles to CRP shops and if the vehicles aren't repaired at the AmFam shop the adjuster will received a poor performance rating which ties directly to salary and promotional opportunities. Some adjusters will hang up on customers who are reporting a loss if they don't select a CRP as they don't want their performance rating impacted.

All Reviews

Showing 1 - 10 out of 138 Reviews
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Read reviews that mention

Charles
aholes
Tun
Patrick
Melvin
they help me out when nobody else would
Suzanne
We have been satisfied with their service but they are expensive.
Felicia
When I filled a claim I had no follow up from the claim adjuster. I am still waiting for my deductible to be paid back.
Stephanie
They have horrible customer service and the lack of integrity that my insurance agent has is 0
Daile
The customer service
Julia
Very good insurance and have been really happy with my agent and was originally the least expensive. Ive had a couple issues with the call center but not enough for me to really care. Looking to switch only because other companies are having lower prices for me now.
Michael
Price
Showing 1 - 10 out of 138 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.