Auto Insurance Comparison
Farmers vs Esurance
Side-by-side comparison of Farmers vs Esurance auto insurance — ratings, cost, coverage, customer experience, pros, cons. No sales pitch, just the research.
Quick verdict
Farmers comes out clearly ahead Esurance in our overall scoring — but each carrier wins on different dimensions. See the breakdown below before deciding.
Head-to-head
Overall scores, key facts, and what each is known for.
| Farmers | Esurance | |
|---|---|---|
| Overall score | 3.70 /5 ★★★★★ Highest overall | 3.00 /5 ★★★★★ |
| Best for | Farmers is built around its 48,000-agent network and a broad bundling story — particularly when paired with home or life coverage | Esurance was a digital-first Allstate subsidiary that operated from 1999 to 2020 |
| Read full review | Farmers review → | Esurance review → |
Rating breakdown
How each carrier scores on the dimensions we weight.
| Category | Farmers | Esurance |
|---|---|---|
| Customer experience | 3.70 | 3.00 |
| Coverage breadth | 4.20 | 3.00 |
| Affordability | 3.20 | 3.00 |
Pros and cons, side by side
What each carrier wins on, and where each one falls short.
Farmers
Full review →Pros
- Coverage that is completely customizable for both vehicle and house insurance policies
- Opportunities for bundling several lines of insurance
- Numerous automobile insurance reductions are available.
- Fewer customer complaints than average
Cons
- Standalone auto rates typically run above more pure-play competitors
- Customer satisfaction on claims handling trends average to slightly below average
- Online quote and self-service experience lags more digital-native competitors
Esurance
Full review →Pros
- Strong digital-first user experience during its operating years
- Solid financial backing as an Allstate subsidiary
- Pioneered online auto insurance quoting
Cons
- No longer writing new policies — the brand was retired in 2020
- Existing policies transitioned to Allstate administration
- If you're shopping for new coverage today, Esurance is not an active option
Coverage at a glance
What each carrier offers in standard policies.
Farmers
Esurance
The bottom line
Farmers
Choose Farmers if you'd use the agent relationship and bundle multiple lines. As a price-driven solo-auto shopper, you'll usually find cheaper rates at GEICO or Progressive without giving up much.
Read the full Farmers reviewEsurance
Esurance is no longer an active carrier. If you're shopping today, see our Allstate review — that's where the Esurance book now lives.
Read the full Esurance reviewBefore you decide
Rankings are a starting point — your profile decides the rest.
These scores reflect our editorial research across cost, coverage, and customer experience. The right carrier for you still depends on your record, location, and vehicle, so read the full reviews before you commit.