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

Quick Facts

• Looking at the national averages for insurance, Omni offers significantly less expensive premiums than Esurance
• Esurance offers more discounts than Omni Insurance
• Omni offers more affordable rates for policyholders who have a short commute

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Esurance or Omni as your top options, but which carrier will offer you cheaper prices?

Looking at nationwide averages, Esurance is quite a bit more expensive than Omni, with premiums averaging $299 per month compared to just $181 with Omni.

That being said, that doesn't necessarily mean Omni will be the more affordable option for every driver. Car insurance companies vary their rates depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and a variety of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

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

Esurance or Omni: Average Car Insurance Rates by State

Esurance and Omni only compete against each other in one states, with Omni offering cheaper rates to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni prices are over 50% more affordable than auto insurance rates at Esurance.

There are plenty of other factors that go into your insurance bill than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any other group of drivers. It's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Omni for their auto insurance pay nearly $250 less than those who use Esurance.

Even so, both carriers will lower rates by the time you turn 25. For example, average premiums for Esurance policyholders drop almost $500 and Omni's prices decrease about $350 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Esurance and Omni? Omni gets the edge here, with average prices coming in at around $132 a month compared to Esurance's $232.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are usually more expensive for single drivers than they are for married drivers? This usually boils down to married couples having more than one car on their policy -- something many car insurance companies will reward with discounts.

When it comes to relationship status, Omni is the clear winner for those who are single, with rates about $138 a month less expensive than Esurance, on average. The advantage for married policyholders with Omni is also obvious, where drivers save around $90 per month.

Esurance vs. Omni: Average Rates by Gender

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

Women generally pay about 7% a month less than men with Esurance, and nearly 10% less with Omni when compared to their male counterparts.

When it comes to the cheapest prices for each gender, Omni comes out on top for both men and women. On average, women save about $114 per month and men save around $120 with Omni compared to the average Esurance policyholder.

Esurance or Omni: 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 auto insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which usually refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Omni typically offers significantly cheaper rates of $104 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Omni again has the edge, with policies about $150 a month more affordable than Esurance, on average.

Is Esurance or Omni Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and accidents lead to higher premiums, but which carrier -- Esurance or Omni -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Esurance policyholders can expect their rates to go up an average of $45 per month if they get a ticket, while Omni normally raises premiums around $7 a month, on average.

However, Omni tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering prices that are 31% and 39% less expensive, respectively, compared to Esurance.

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% -- increase in their insurance premiums. Drivers who use Omni for their auto insurance will see a monthly bill about $35 (or 17%) more expensive after reporting a collision to their car insurance company.

Overall, drivers who use Omni end up with the cheaper prices after an accident, with monthly rates averaging $203 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- typically a lot more than an accident or ticket. Esurance drivers usually see a 20% raise in their auto insurance prices after a DUI charge, while Omni will normally climb premiums by around 6%.

If you have a DUI on your record and are looking for more affordable prices, Omni tends to be the much more affordable option with average rates of $178 per month compared to $301 from Esurance.

How does Credit Score Impact Esurance and Omni Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect several drivers out there.

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

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Esurance or Omni 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 substantial impact on how much insurance companies will charge for coverage? Usually, the more miles you put on your vehicle, the more you can expect to pay for car insurance.

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

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

Where you park your car can play a considerable role in how much you pay for insurance. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Omni boasts the lowest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Omni offers rates around $267 monthly compared to Esurance's $396. People who live in suburban ZIP codes can expect to pay about $143 per month for Omni and $288 for Esurance. Lastly, those in rural areas tend to get the most affordable premiums from both carriers, with average monthly prices coming in at $134 and $211 for Omni and Esurance respectively.

Esurance vs. Omni Discounts

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

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've taken a look at all of the different discounts Esurance and Omni offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Esurance knocks Omni out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than Omni.

There are a couple discounts both companies offer, but Esurance also offers ABS discounts, DRL discounts, education discounts, and more that Omni does not.

On the flip side, Omni has a couple unique discounts of its own -- cellphone safety discounts, non-owner discounts, and renewal discounts.

Final Thoughts: Is Esurance or Omni Best for You?

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the best fit for you?

Omni might be best for you if....

• You have an at-fault accident on your record.
• Your home is located in the suburbs.
• You've started working from home and don't have much of a commute.

Esurance might be best for you if...

• You're looking for discounts -- Esurance has the most.

We hope this guide helps you get a good idea of the differences between Esurance and Omni and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Esurance and Omni. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Esurance vs. Omni FAQs

Is Esurance or Omni cheaper?

Looking just at the national average rates, Omni is the less expensive of the two companies, offering average rates of $181 a month compared to $299 for Esurance. Even so, Omni won't necessarily be the cheapest carrier for every driver, since there are a bunch of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Esurance or Omni?

Sadly, the only answer we can give you is "it depends.". No one company is "better" for each driver -- it all boils down to your unique auto insurance profile.

Why do Esurance and Omni offer me different rates?

Insurance carriers take a look at quite a few different factors when determining the prices they charge drivers. Things like your driving record, where you call home, age, gender, and sometimes even things like your credit score can all come into play. Both Esurance and Omni use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto 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, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best car 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 Esurance or Omni 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.