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

Quick Facts

• Looking at the national averages for car insurance, Missouri Farm Bureau offers significantly less expensive prices than Esurance
• Esurance may help you save more money -- they offer more discounts than Missouri Farm Bureau Insurance
• Missouri Farm Bureau has more affordable rates for drivers who have below-average credit

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

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Esurance or Missouri Farm Bureau as your top options, but between the two, which carrier has cheaper premiums for auto insurance?

Looking at nationwide averages, Missouri Farm Bureau has average rates that are around 65% a month more affordable than those from Esurance.

However, that doesn't necessarily mean Missouri Farm Bureau will be the less expensive option for each driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things), so prices will differ quite a bit from person to person.

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

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

Esurance and Missouri Farm Bureau only compete against each other in Missouri, where Missouri Farm Bureau offers the cheaper average prices. Missouri Farm Bureau drivers tend to pay about $94 per month less on average compared to drivers who use Esurance for their car insurance.

That being said, there are plenty of other factors that go into your insurance payment than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of over 65% less a month by choosing Missouri Farm Bureau over Esurance. It's worth noting that Esurance offers insurance in 11 different states compared to Missouri Farm Bureau's one, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, with both companies, you'll see your rates decrease significantly by the time drivers turn 25. For example, average prices for Esurance policyholders reduce more than 65% and Missouri Farm Bureau's rates lower over 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest premiums you'll ever see.

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

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are generally more expensive for those who are single than they are for married couples? That's typically because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Missouri Farm Bureau prices coming in at about a third of Esurance's. The advantage for married drivers with Missouri Farm Bureau is also obvious, where drivers save around $150 per month.

Esurance or Missouri Farm Bureau: 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 normally end up paying a little more.

Generally, men see rates about 7% a month higher with Esurance, and almost 15% with Missouri Farm Bureau.

Looking at the data for each company specifically, Missouri Farm Bureau offers the most affordable average premiums for both men and women, with average prices $190 less for men and $186 cheaper for women.

Esurance vs. Missouri 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.

For most people, auto insurance can be pretty complicated. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

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

Looking specifically at state minimum liability insurance, Missouri Farm Bureau has the significant edge, with average monthly rates coming in at $51. If you want a full coverage policy with the same state minimum limits, Missouri Farm Bureau again has the edge, with policies averaging around $170 per month to Esurance's $396.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and at-fault collisions lead to higher prices, but which carrier -- Esurance or Missouri Farm Bureau -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Esurance for their insurance can normally expect their monthly bill to go up about 16% after getting a speeding ticket. Missouri Farm Bureau policyholders can expect a less drastic increase of around 5%.

But Missouri Farm Bureau tends to offer the best prices for drivers both with clean records and with a ticket. With Missouri Farm Bureau Insurance, drivers with a clean record can save about $145 a month and drivers with a speeding ticket can save around $185 per month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Esurance can expect to see about an $122 -- or around 34% -- rise in their auto insurance premiums. Drivers who use Missouri Farm Bureau for their insurance will see a monthly bill about $12 (or 11%) more expensive after reporting an accident to their car insurance company.

At the end of the day, Missouri Farm Bureau offers the most affordable prices for drivers with an at-fault collision on their records, with average rates coming in at $109 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 accident or ticket when it comes to your auto insurance bill. On average, Esurance will raise your premiums around 20% after a DUI, while Missouri Farm Bureau's average rates climb by nearly 30%.

Missouri Farm Bureau has the overall cheapest premiums for drivers with a DUI on their records at $134 per month, but it's worth noting that Esurance's average rates come from 11 states compared to just one for Missouri Farm Bureau, so the data may be skewed slightly.

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

In many cases, your credit score can be used as one of the variables to determine your monthly insurance prices. This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it will come into play for many drivers.

Car insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable premiums.

So, which carrier offers the best prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, Missouri Farm Bureau will usually reward you the most. For policyholders with "excellent" credit scores, Missouri Farm Bureau comes in just under 59.35 less expensive. Drivers with "good" credit scores typically save about 64% with Missouri Farm Bureau compared to average rates from Esurance.

Which Company is Best for Drivers with Bad Credit?

Missouri Farm Bureau typically offers lower premiums than Esurance when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around 65% a month less with Missouri Farm Bureau compared to Esurance, and those with "poor" scores normally save an average of about 64% a month.

Is Esurance or Missouri 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 prices? Usually, the more milage you put on your car, the more you can expect to pay for coverage.

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

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

Where you park your vehicle can play a considerable role in how much you pay for insurance. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, Missouri Farm Bureau generally comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Missouri Farm Bureau Insurance's average prices are about 67% less than Esurance. People who live in suburban areas pay around 62% less with Missouri Farm Bureau compared to Esurance. Those in rural areas can expect to save about 57% with Missouri Farm Bureau compared to Esurance.

Esurance vs. Missouri Farm Bureau Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Esurance and Missouri Farm Bureau so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Esurance knocks Missouri Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to Missouri Farm Bureau's seven.

A couple of those are overlapping for things like discounts for being a good student, multi-policy discounts, and passive restraint discounts. Esurance also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, Missouri Farm Bureau has a few proprietary discounts of their own for things like hybrid vehicle discounts, occupation discounts, and preferred customer discounts.

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

So, we've broken down the average rates for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, is Esurance or Missouri Farm Bureau the right one for you and your specific driver profile?

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

• You want to save money on your car insurance after a collision.
• You want the most robust protection via a "full coverage" policy.
• You're of retirement age and want to take advantage of lower prices.

Esurance might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Esurance and Missouri Farm Bureau. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

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

Esurance vs. Missouri Farm Bureau FAQs

Is Esurance or Missouri Farm Bureau cheaper?

Missouri Farm Bureau is the less expensive of the two carriers when looking at national average premiums, with policies averaging $111 per month with Missouri Farm Bureau and $299 for Esurance. However, that doesn't mean Missouri Farm Bureau will be the cheapest company for every policyholder, since there are multiple different variables that come into play when it comes to your auto insurance cost.

Who is better, Esurance or Missouri Farm Bureau?

Sadly, the only answer we can give you is "it depends.". No one carrier is "better" for each policyholder -- it all depends on what your unique insurance profile looks like.

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

Car insurance companies use quite a few different factors when determining the rates they charge. Variables such as where your home is, where you live, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Esurance and Missouri Farm Bureau calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several companies 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 ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Esurance or Missouri 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.