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

Quick Facts

• Based on national averages for car insurance, Texas Farm Bureau offers significantly more affordable premiums than Esurance
• Esurance may help you save more money -- they offer more discounts than Texas Farm Bureau Insurance
• Texas Farm Bureau offers more affordable rates for policyholders who are looking to purchase insurance with a spouse

Esurance or Texas 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 hefty savings, you're probably wondering exactly how much you might be able to save.

You might be considering Esurance or Texas Farm Bureau as potential options, but between the two, which carrier has less expensive premiums for insurance?

As you can see, Texas Farm Bureau is quite a bit cheaper than Esurance, with prices averaging $139 a month compared to $299 with Esurance when looking at the national average rates for auto insurance.

Even so, that doesn't necessarily mean Texas Farm Bureau will be the cheaper option for each driver. Car insurance carriers vary their rates depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and tons of other factors, so prices will differ quite a bit from person to person.

Wanting to know if Esurance or Texas 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. Texas Farm Bureau: Average Car Insurance Rates by State

Esurance and Texas Farm Bureau only compete against each other in Texas, where Texas Farm Bureau offers the cheaper average rates. Texas Farm Bureau drivers tend to pay about $45 per month less on average compared to drivers who use Esurance for their auto insurance.

But there's more to calculating insurance premiums than just where you call home. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. Normally, that's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use Texas Farm Bureau save over 65% a month compared to those who use Esurance. It's worth noting that Esurance offers auto insurance in 11 different states compared to Texas Farm Bureau's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both companies will decrease prices once you turn 25. For example, average rates for Esurance policyholders lower more than 65% and Texas Farm Bureau's premiums drop almost 40% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest car insurance rates out there. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise premiums.

But who has the best prices for retired drivers between Esurance and Texas Farm Bureau? Texas Farm Bureau gets the edge, with rates for drivers 65 and older over 55% less expensive than the national average for Esurance.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance premiums than married policyholders. That's normally because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average prices between these two carriers is significant, with Texas Farm Bureau premiums coming in at around half of Esurance's. The advantage for married drivers with Texas Farm Bureau is also obvious, where drivers save more than 50% per month.

Esurance or Texas Farm Bureau: Average Rates by Gender

Men typically pay more for car insurance than women. That's because men are more likely to get into collisions and get tickets, which raises the chances of filing a claim with insurance.

On average, men see prices about $20 a month higher with Esurance, and over $15 with Texas Farm Bureau.

When it comes to the lowest rates for each gender, Texas Farm Bureau comes out as the cheapest option for both genders. On average, male drivers save about $161 per month and women save around $157 with Texas Farm Bureau compared to the average Esurance policyholder.

Esurance vs. Texas 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 auto insurance can be a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

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

Looking specifically at state minimum limits for liability insurance, Texas Farm Bureau has the significant edge, with average monthly prices coming in at $87. If you want a full coverage policy with the same state minimum limits, Texas Farm Bureau again has the edge, with policies averaging about $192 a month to Esurance's $396.

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

It's no secret -- drivers with good records end up getting the best deals on their 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 accidents and speeding tickets lead to higher premiums, but which company -- Esurance or Texas Farm Bureau -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Texas Farm Bureau auto 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 around 15%.

But Texas Farm Bureau tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering prices that are $171 and $216 more affordable, 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 rates rise by over $100, while those who have insurance through Texas Farm Bureau will see about a $45 increase.

At the end of the day, the cheaper prices come from Texas Farm Bureau, with average premiums coming in at $114 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 ticket or even a collision. On average, Texas Farm Bureau will climb your rates around 76% after a DUI, while Esurance's average prices climb by nearly 20%.

Texas Farm Bureau has the overall most affordable rates for drivers with a DUI on their records at $300 a month, but it's worth noting that Esurance's average rates come from 11 states compared to just one for Texas Farm Bureau, so the data may be skewed slightly.

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

Did you know many car insurance companies take your credit score into account when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it does affect lots of policyholders out there.

Auto insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at Texas Farm Bureau and Esurance, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Texas Farm Bureau will usually reward you the most. For drivers with "excellent" credit scores, Texas Farm Bureau comes in more than 71.5 more affordable. Drivers with "good" credit scores normally save about 59% with Texas Farm Bureau compared to average premiums from Esurance.

Which Company is Best for Drivers with Bad Credit?

Texas Farm Bureau typically offers lower rates than Esurance when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around 52% per month less with Texas Farm Bureau compared to Esurance, and those with "poor" scores usually save an average of about 43% monthly.

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

How much you drive can have a substantial impact on your monthly insurance payment. Generally, those who drive less will end up with less expensive premiums since there's less of a chance of causing an accident and filing an insurance claim.

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

Esurance or Texas Farm Bureau: 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 pretty big impact as well. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Texas Farm Bureau tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Texas Farm Bureau's average premiums are about $158 a month compared to Esurance's $396. Drivers in suburban ZIP codes pay a monthly premium of around $128 with Texas Farm Bureau compared to $288 with Esurance. If you live in a rural area, you can expect to pay about $132 per month with Texas Farm Bureau and $211 with Esurance.

Esurance vs. Texas 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 so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Esurance and Texas Farm Bureau offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

Esurance knocks Texas Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 18 more discounts than Texas Farm Bureau.

Both companies offer lots of the same discounts -- like discounts for being a good driver, multi-policy discounts, and passive restraint discounts -- but Esurance also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, Texas Farm Bureau has a few proprietary discounts of their own like academic discounts and driver training discounts.

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

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which insurance carrier is the best one for you and your specific profile and needs?

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

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing auto insurance for a teenager.

Esurance might be best for you if...

• You value the experience that comes with a large national insurance company.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Esurance and Texas Farm Bureau and that it aids in making a more informed decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from multiple companies, not just Esurance and Texas 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 car insurance carriers in your area, all in just a few minutes.

Esurance vs. Texas Farm Bureau FAQs

Is Esurance or Texas Farm Bureau cheaper?

Texas Farm Bureau is the less expensive of the two companies when looking at national average rates, with policies averaging $139 per month with Texas Farm Bureau and $299 for Esurance. That being said, that doesn't mean Texas Farm Bureau will be the most affordable company for every policyholder, since there are a variety of different factors that come into play when it comes to your auto insurance cost.

Who is better, Esurance or Texas Farm Bureau?

Sadly, the only answer we can give you is "it depends.". No one carrier is "better" for everyone -- it all boils down to your unique car insurance profile.

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

Auto insurance carriers use quite a few different variables when calculating the premiums they charge. Things such as where you call home, where your home is, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Esurance and Texas 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 bunch of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Esurance or Texas 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.