Buckeye vs. Esurance: Which Company is the Best Fit for You?

Quick Facts

• In general, Buckeye offers significantly cheaper prices than Esurance
• Buckeye offers more affordable rates for drivers who have received a ticket within the last few years
• Esurance offers more discounts than Buckeye Insurance Group

Buckeye vs. Esurance: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Buckeye or Esurance as potential options, but between the two, which company has more affordable prices for car insurance?

Looking at the national average rates for both companies, Buckeye has average rates that are about 55% per month less expensive than those from Esurance.

That being said, Buckeye may not be the cheapest or best option for each driver out there. Auto insurance carriers use a variety of complex algorithms to calculate rates, so depending on how old you are or where you live (among a wide array of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Buckeye and Esurance by a variety of different rate factors, so read on to find out which company is the best for you.

Buckeye or Esurance: Average Car Insurance Rates by State

Buckeye and Esurance only compete against each other in one states, with Buckeye offering more affordable rates to the average driver in all of them. Ohio has the most noticable difference, where Buckeye premiums are over 60% cheaper than insurance rates at Esurance.

That being said, there are plenty of other factors that go into your car insurance payment than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Buckeye save nearly $450 a month compared to those who use Esurance.

Even so, both companies will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Buckeye policyholders lower more than $150 and Esurance's rates reduce almost $500 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest car insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best rates for retired drivers between Buckeye and Esurance? Buckeye gets the edge, with prices for drivers 65 and older $127 less expensive than the national average for Esurance.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance rates than married couples. That's usually because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Buckeye is the clear winner for single drivers, with premiums around $211 per month cheaper than Esurance, on average. For married policyholders, the advantage is clear again - Buckeye has the edge when it comes to average prices.

Buckeye vs. Esurance: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will generally end up paying a little more.

Men typically pay over 10% more a month than women with Buckeye, while with Esurance, the difference is closer to 7% per month.

Looking at the data for each carrier specifically, Buckeye comes out on top for both men and women. On average, male drivers save about $169 a month and women save about $163 with Buckeye compared to the average Esurance policyholder.

Buckeye or Esurance: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Auto insurance can be a complicated subject for most people. There are a range of different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Buckeye normally offers significantly less expensive premiums of $73 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Buckeye again has the edge, with policies around $200 per month more affordable than Esurance, on average.

Is Buckeye or Esurance Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with tickets and accidents on your record, but which of these two companies offers the most affordable prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Buckeye policyholders can expect their rates to go up an average of $6 a month if they get a ticket, while Esurance usually raises prices about $45 per month, on average.

But Buckeye has cheaper premiums for drivers in both categories, offering rates that are 67% and 70% less expensive, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Buckeye drivers who get in an accident can expect to see their prices rise by over $15, while those who have insurance through Esurance will see around a $100 increase.

Overall, the more affordable premiums come from Buckeye, with monthly prices averaging $98 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. On average, Buckeye will climb your premiums about 69% after a DUI, while Esurance's average rates increase by just under 20%.

How does Credit Score Impact Buckeye and Esurance Rates?

Often times, your credit score can be used as one of the variables to determine your monthly auto insurance premiums. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of policyholders.

The reasoning insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will typically be forced to pay more.

Looking specifically at Esurance and Buckeye, which one has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Buckeye or Esurance Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on how much auto insurance companies will charge for coverage. Normally, those who drive less will end up with less expensive prices since there's less of a chance of getting into an accident and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Buckeye charges. However, there's a small difference in monthly rates for Esurance, with drivers who put 6,000 miles on their vehicle annually paying around $1 less each month compared to those who drive 12,000 miles every year. Still, Buckeye is the more affordable option for drivers in both categories.

Buckeye vs. Esurance: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a sizable impact as well. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Buckeye tends to offer the lowest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest rates from both carriers, but Buckeye comes out on top with average premiums about $107 per month. Buckeye also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a 67% and 45% a month respective difference when compared to Esurance drivers in similar areas.

Buckeye vs. Esurance Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've compared all of the different discounts offered by Buckeye and Esurance so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

Esurance knocks Buckeye out of the park when it comes to the sheer number of discounts available, offering 17 more discounts than Buckeye.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good driver, and paid in full discounts. Esurance also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Buckeye does not.

On the flip side, Buckeye has a couple unique discounts of its own -- distant student discounts and renewal discounts.

Final Thoughts: Is Buckeye or Esurance Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the best one for you and your specific profile and needs?

Buckeye might be best for you if....

• You're single and purchasing car insurance by yourself.
• You're looking for more protection with "full coverage" insurance.
• You don't spend much time in your car.

Esurance might be best for you if...

• You value the experience that comes with a large national car insurance company.
• You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Buckeye and Esurance. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Buckeye and Esurance. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Buckeye vs. Esurance FAQs

Is Buckeye or Esurance cheaper?

Looking just at the national average prices, Buckeye is the more affordable of the two companies, offering average rates of $132 per month compared to $299 for Esurance. However, Buckeye won't necessarily be the lowest carrier for each driver, since there are many different variables that are considered when it comes to your car insurance bill.

Who is better, Buckeye or Esurance?

Sadly, the real answer is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Buckeye and Esurance offer me different rates?

Car insurance carriers take a look at many different factors when calculating the premiums they charge policyholders. Things like where your home is, where you call home, age, gender, and sometimes even things like your credit score can all come into play. Both Buckeye and Esurance calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from multiple different companies.

How do I know if Buckeye or Esurance is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Buckeye or Esurance at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.