Esurance vs. Georgia Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, Georgia Farm Bureau offers significantly less expensive prices than Esurance
• Esurance may help you save more money -- they offer more discounts than Georgia Farm Bureau Insurance
• Georgia Farm Bureau has more affordable rates for policyholders who are looking to purchase insurance with a spouse

Esurance or Georgia Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Esurance or Georgia Farm Bureau as your top options, but between the two, which company will save you the most?

Looking at the national average rates for both carriers, Georgia Farm Bureau has average rates that are around 50% a month cheaper than those from Esurance.

However, Georgia Farm Bureau may not be the most affordable or best option for every driver out there. Insurance companies use a ton of complex algorithms to determine prices, so depending on how old you are or how good your credit score is (among a wide array of other factors), you could see wildly different rates from the ones above.

Wanting to know if Esurance or Georgia Farm Bureau is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Esurance vs. Georgia Farm Bureau: Average Car Insurance Rates by State

Esurance and Georgia Farm Bureau only compete against each other in Georgia, where Georgia Farm Bureau offers the cheaper average prices. Georgia Farm Bureau drivers tend to pay about $143 per month less on average compared to drivers who use Esurance for their auto insurance.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance carriers calculate your premiums. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group on the road. It's typically because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use Georgia Farm Bureau save 65% a month compared to those who use Esurance. It's worth noting that Esurance offers car insurance in 11 different states compared to Georgia Farm Bureau's one, which can skew the average premiums a bit, but the difference here is still considerable.

But with both companies, you'll see your rates lower significantly by the time you turn 25. Georgia Farm Bureau offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Esurance's average prices decrease over 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the cheapest auto insurance rates you'll ever find. After all, they've likely been driving for quite some time, which usually decreases their chances of collisions and other infractions that can raise premiums.

But who has the best prices for retired drivers between Esurance and Georgia Farm Bureau? Georgia Farm Bureau gets the edge, with premiums for drivers 65 and older almost 50% more affordable than the national average for Esurance.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for single policyholders than they are for married policyholders. This usually boils down to married couples having multiple vehicles on their policy -- something quite a few auto insurance carriers will reward with discounts.

For single drivers, the difference in average prices between these two companies is significant, with Georgia Farm Bureau premiums coming in at about half of Esurance's. The advantage for married drivers with Georgia Farm Bureau is also obvious, where drivers save more than 45% per month.

Esurance or Georgia Farm Bureau: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll generally end up paying more for car insurance than women.

On average, women see prices around $20 a month cheaper with Esurance, and about $2 less with Georgia Farm Bureau.

Looking at overall affordability, Georgia Farm Bureau offers the most affordable average rates for both men and women, with average premiums 53% less for men and 50% cheaper for women.

Esurance vs. Georgia Farm Bureau: 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.

It's no secret that insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum limits for liability insurance, Georgia Farm Bureau has the significant edge, with average monthly prices coming in at $91. If you want a full coverage policy with the same state minimum limits, Georgia Farm Bureau again has the edge, with policies averaging around $197 per month to Esurance's $396.

Is Esurance or Georgia Farm Bureau Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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 accidents and speeding tickets on your record, but which of these two companies offers the cheapest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Georgia Farm Bureau insurance policies don't report seeing their premiums increase after getting a ticket, but Esurance policyholders can expect to see their monthly bill increase by about $45.

Even so, Georgia Farm Bureau tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering rates that are 53% and 60% less expensive, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Esurance drivers who get in an accident can expect to see their premiums increase by over $100, while those who have insurance through Georgia Farm Bureau will see around a $20 increase.

At the end of the day, drivers who use Georgia Farm Bureau end up with the cheaper prices after an accident, with average prices coming in at $133 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. Georgia Farm Bureau drivers usually see a 47% raise in their auto insurance rates after a DUI charge, while Esurance will typically climb prices by about 20%.

Georgia Farm Bureau has the overall lowest rates for drivers with a DUI on their records at $216 monthly, but it's worth noting that Esurance's average rates come from 11 states compared to just one for Georgia Farm Bureau, so the data may be skewed slightly.

How does Credit Score Impact Esurance and Georgia Farm Bureau Rates?

Did you know many insurance carriers take into account your credit score when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for lots of policyholders.

Car insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which company offers the most affordable prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Georgia Farm Bureau will normally reward you the most. For policyholders with "excellent" credit scores, Georgia Farm Bureau comes in nearly 63.08 cheaper. Drivers with "good" credit scores usually save around 55% with Georgia Farm Bureau compared to average premiums from Esurance.

Which Company is Best for Drivers with Bad Credit?

Georgia Farm Bureau typically offers lower rates than Esurance when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 47% a month less with Georgia Farm Bureau compared to Esurance, and those with "poor" scores generally save an average of around 49% per month.

Is Esurance or Georgia Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a big impact on your monthly premiums? That's because the fewer miles you put on your car, the less likely you are to be in a collision and file an insurance claim.

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

Esurance or Georgia Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a substantial role in how much you pay for insurance. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of vehicles that are on the roads where they live.

Georgia Farm Bureau tends to offer the cheapest rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 36% with Georgia Farm Bureau compared to Esurance. People who live in suburban areas pay about 49% less with Georgia Farm Bureau compared to Esurance. For drivers in urban ZIP codes, Georgia Farm Bureau Insurance's average premiums are around 62% less than Esurance.

Esurance vs. Georgia Farm Bureau Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Esurance and Georgia Farm Bureau so that you can see which carrier can save you the most money each month.

Esurance blows Georgia Farm Bureau away when it comes to the sheer amount of discounts available, offering 24 different discounts to Georgia Farm Bureau's 11.

There are a couple discounts both carriers offer, but Esurance also offers discounts for advance quote, agency transfer, DRL, and more.

On the other hand, Georgia Farm Bureau has a proprietary discount of their own -- a driver training discounts.

Final Thoughts: Is Esurance or Georgia Farm Bureau Best for You?

You've seen the role certain variables have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, is Esurance or Georgia Farm Bureau the best one for you and your specific driver profile?

Georgia Farm Bureau might be best for you if....

• You will be the only person on the auto insurance policy.
• Your home is located in the suburbs.
• You drive fewer than 12,000 miles annually.

Esurance might be best for you if...

• You are considering moving to another state -- Georgia Farm Bureau Insurance only offers policies to Georgia residents.
• You care about discounts (Esurance offers the most).

Hopefully, this guide helps you get a good idea of the differences between Esurance and Georgia Farm Bureau. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of carriers, not just Esurance and Georgia Farm Bureau. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Esurance vs. Georgia Farm Bureau FAQs

Is Esurance or Georgia Farm Bureau cheaper?

Georgia Farm Bureau is the less expensive of the two carriers when looking at national average prices, with policies averaging $144 per month with Georgia Farm Bureau and $299 for Esurance. That being said, that doesn't mean Georgia Farm Bureau will be the lowest carrier for each driver, since there are many different factors that come into play when it comes to your car insurance payment.

Who is better, Esurance or Georgia Farm Bureau?

Sadly, the answer truly is "it depends.". No one company is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Esurance and Georgia Farm Bureau offer me different rates?

Insurance companies use a lot of different variables when calculating the premiums they charge. Things such as gender, age, where you call home, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Esurance and Georgia Farm Bureau calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Esurance or Georgia Farm Bureau is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Esurance or Georgia Farm Bureau at all, but another you hadn't even thought of!

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.