Esurance vs Farmers Car Insurance

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2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

Esurance
94
What is this?

Insurify Composite Score

Farmers
85
What is this?

Insurify Composite Score

Esurance VS Farmers
94
85
What is this?
User Ratings
OptionsEsurance Farmers
Rating/Reviews
4,728 reviews
506 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsEsurance Farmers
Call Center RepresentativeAmong the best--
Insurer WebsiteAbout averageAbout average
Local Agent--About average
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageAbout average
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsEsurance Farmers
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 ProcessThe restThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionEsurance Farmers
California818 pt
About average
795 pt
The rest
Central--821 pt
About average
Florida826 pt
About average
820 pt
About average
Mid-Atlantic--814 pt
The rest
North Central799 pt
The rest
808 pt
The rest
Northwest--785 pt
The rest
Southwest--797 pt
The rest
Texas--822 pt
About average
Mobile App Ratings
RegionEsurance Farmers
Android
4,165 Reviews
2,565 Reviews
iOS
108 Reviews
538 Reviews
Financial Ratings
OptionsEsurance Farmers
A.M. BestA+A
Fitch--A+
Moody's--A2
Standard & Poor's--A

Auto Insurance Quotes

For Married Drivers

CityEsurance Farmers
Austin$84--
Chicago$76$124
Philadelphia$104--
Phoenix$75$126
Santa Monica$67$120

For Single Drivers

CityEsurance Farmers
Austin$81--
Chicago$80$117
Philadelphia$108--
Phoenix$82$120
Santa Monica$106$263

For Male Drivers

CityEsurance Farmers
Austin$85--
Chicago$81$129
Philadelphia$105--
Phoenix$81$129
Santa Monica$105$269

For Female Drivers

CityEsurance Farmers
Austin$80--
Chicago$75$112
Philadelphia$107--
Phoenix$75$117
Santa Monica$68$114

For Drivers with Speeding Ticket

CityEsurance Farmers
Austin$95--
Chicago$102$163
Philadelphia$127--
Phoenix$94$157
Santa Monica$131$302

For Drivers with No Speeding Ticket

CityEsurance Farmers
Austin$80--
Chicago$73$111
Philadelphia$103--
Phoenix$75$116
Santa Monica$77$168

For Drivers Age Between 18-40

CityEsurance Farmers
Austin$79--
Chicago$77$120
Philadelphia$108--
Phoenix$78$123
Santa Monica$118$303

For Drivers Age Between 40-65

CityEsurance Farmers
Austin$79--
Chicago$72$115
Philadelphia$98--
Phoenix$72$118
Santa Monica$63$104

For Drivers Age of 65+

CityEsurance Farmers
Austin$112--
Chicago$101$142
Philadelphia$130--
Phoenix$102$143
Santa Monica$57$101

For Drivers with Average Credit

CityEsurance Farmers
Austin$82--
Chicago$81$116
Philadelphia$114--
Phoenix$80$123
Santa Monica$78$149

For Drivers with Fair Credit

CityEsurance Farmers
Austin$96--
Chicago$84$132
Philadelphia$125--
Phoenix$83$134
Santa Monica$73$134

For Drivers with Good Credit

CityEsurance Farmers
Austin$79--
Chicago$74$126
Philadelphia$100--
Phoenix$74$128
Santa Monica$70$140

For Drivers with Excellent Credit

CityEsurance Farmers
Austin$73--
Chicago$72$108
Philadelphia$86--
Phoenix$76$108
Santa Monica$125$343

Quotes & Discounts

Discount typeEsurance Farmers
Good DriverUp to 40%Varies
Passive RestraintUp to 33%Varies
Accident FreeUp to 25%--
Anti-Theft DeviceUp to 25%Varies
AlumniUp to 15%--
Multiple PolicyUp to 15%Up to 10%
Defensive DriverUp to 10%Varies
Good StudentUp to 10%Varies
Paid in fullUp to 10%Varies
PrepayUp to 10%Varies
Anti-lock BrakeUp to 5%Varies
Driving HabitsUp to 5%Varies
Multiple VehicleUp to 5%Varies
OrganizationUp to 5%Varies
Provider SwitchUp to 5%Varies
Roadside AssistanceUp to 5%--
Starting your auto quote onlineUp to 5%--
Home OwnerVariesVaries
Signing documents when you buy onlineVaries--
Affinity group--Varies
Claims Free Renewal--Varies
Daytime Running Lights--Varies
Driving training--Varies
E-billing--Varies
EV/Hybrid--Up to 5%
Early Quote--Varies
Electronic Stability Control--Varies
Family--Varies
Good Payer--Varies
Loyalty--Varies
Mature driver--Varies
Military--Varies
On Your Own--Varies
Paperless documents--Varies
Preferred payment--Varies
Professional organization--Varies
Senior Adult--Varies
Student Away at School--Varies
VIN Etching--Varies
Youth Driving--Varies
teenSMART--Varies

Payment Methods

Discount typeEsurance Farmers
Automatic Online Payment
--yes
Credit Card Payment --yes
Debit Card Payments --yes
Electronic Check
--yes
In Person Payment
--yes
Mail Payment
--yes
Mobile App Payments
yesyes
Multi-Payment Installment Plans
--yes
Online Payment
--yes
Phone Payment
--yes

Features and Services

Features and ServicesEsurance Farmers
24/7 serviceyes--
Accident forgiveness--yes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistance--yes

Optional Coverages

Optional CoveragesEsurance Farmers
Accident Forgiveness
--yes
Antique or Collector Car Insurance
--yes
Comprehensive Claim Forgiveness
--yes
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
--yes
Gap Insurance
yes--
Glass Coverage --yes
Incident Forgiveness
yesyes
Loss of Use Coverage
yesyes
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
--yes
No Fault Coverage
--yes
Original Equipment Manufacturer Coverage
yesyes
Personal/Upgraded Item Coverage
--yes
Rental Reimbursement
yesyes
Ridesharing Coverage
--yes
Roadside Assistance
yesyes
Small Claim Forgiveness
--yes
Umbrella Policy
--yes
Vanishing Deductible
--yes

Uber and Lyft driver insurance

  • Esurance
  • Farmers
  • Both

SR‌-22 Insurance by State

  • Esurance
  • Farmers
  • Both

Compare Insurance Products

ProductEsurance Farmers
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insuranceyes--
Business InsuranceBusiness Insuranceyesyes
Cell Phone InsuranceCell Phone Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyesyes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Earthquake InsuranceEarthquake Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyesyes
Recreational InsuranceRecreational Insurance--yes
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyes--
Snowmobile insuranceSnowmobile insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Esurance Reviews
  • Farmers Reviews
4.1
5 Stars
62 %
4 Stars
15 %
3 Stars
7 %
2 Stars
4 %
1 Star
12 %

Most Helpful Review

By Andrea
Ypuve been easy and great to deal with, im just looking to pay less.

Most Critical Review

By Shane
Poor billing procedures or information changes to billing procedures has messed me up significantly causing me financial burdens and coverage problems beyond comprehension. Was uninsured without knowledge, dropped coverage for no fault of my own. Then offered a chance to reinstate and once again no letter with attached statement for billing. Only thing received was a letter of debt collection for $49.00. now I'm trying to fix your mistake and it's costing me lots of time which info not have and hundreds if not thousands of $.

All Reviews

Showing 1 - 10 out of 1000 Reviews
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Read reviews that mention

Erik Peer
Terrible customer service... dropped my vehicle off. Drive an hour away to pick up rental only to spend over an hour trying to get assistance which only got me nowhere.... unreal I will be going to another insurance company due to the facts that no one can help you and just pass you from person to person with no result... and apparently the New York office only has 2 employees... wtf unbelievable
Heather Snell
Don't do it! There is cheaper rates with much better coverage! In addition, they charged me $50 to cancel after I had been with them accident free for over 2 years! I moved to State Farm and couldn't be happier.
Sam
Offered me $100 for my total loss
Dan
Raised my rates for now reason then charged me a 10% cancellation fee. Will never return no matter what and I will never switch to any of their partner companies.
Tina
A huge corporation and they cannot support essential workers during a pandemic. This is so upsetting and boggling. This company orders over 200 dollars worth of food on a busy Friday morning requested free delivery and could not even tip 10%. My paycheck solely depends on the gratitude of customers and guests and a large company cannot even leave a courtesy tip.
No need
As everyone else are saying, this is a horrible company. Paid a payment one time with a credit card and they but never late. They processing made it late in their system in September. This is April and they raised my rate 80 dollars. What the fuck. Hate y'all and leaving ASAP
Rajab
Noori
Zo Nolan
Wanted to leave a 1 star because they didn't let me add two different plus took $89.00 for no reason...Won't come back 2020!!!
Dee Bolen
We have einsurance my son was hit by another vehicle months ago. Both of my sons were in the vehicle and my son who was the passenger was taken to the ER. The medical claim was to be paid out by esurance. Additionally both of my sons required chiropractic care. the medical portion is the responsibility of esurance. We are five months post accident and esurance has yet to pay the medical portion of my son who was the passenger. They claim they need an affidavit to prove he is not covered under any other insurance. We have emailed, snail mailed and faxed the affidavit both from my home and the chiropractor‘s office on multiple occasions. They claim they have not received the affidavit and they still have not paid these bills, we are now receiving past due notices. The son who they did not require an affidavit for who was clearly covered under the policy it took them over four months to pay his medical claims… 2 weeks ago they claimed they mailed out the checks months ago, yet several of the checks showed up within a two day period just last week, but it’s still not the full amount they owe for him. No one ever returns calls and no one is ever at their desks. I can guarantee you they are NEVER late when it comes to collecting their premium from my bank acct! This is just unprofessional and unacceptable.
Kristi Knudson
I think the esurance AD should be taken off of the internet. I don't care if it's fake or not fake, but it shows a frog with springs on its feet. That is called maltreatment of animals fake or not fake. I am turning them in for this problem if they don't take the ad off of the internet because I'm going to consumer affairs and the BBB because you are not supposed to show anything like that on the internet and they do it anyway so I would assume they would take it off unless they want to get in trouble for maltreatment of a animal!!!!!!!I would never trust this insurance company because of that fact.
Showing 1 - 10 out of 1000 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.