Esurance vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Workmen's Auto offers significantly more affordable premiums than Esurance
• Esurance may help you save more money -- they offer more discounts than Workmen's Auto Insurance
• Workmen's Auto offers less expensive average rates for drivers who have a speeding ticket on their driving record

Esurance or Workmen's Auto: 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 big savings. But exactly how much can you save by switching?

You might be considering Esurance or Workmen's Auto, but between the two, which carrier will save you the most?

Looking at nationwide averages, Esurance has average rates that are around 50% a month more expensive than those from Workmen's Auto.

But Workmen's Auto may not be the most affordable or best option for every single driver out there. Insurance carriers use a ton of complex algorithms to determine premiums, so depending on how good your credit score is or how old you are (among a whole bunch of other factors), you could see wildly different rates from the ones above.

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

Esurance vs. Workmen's Auto: Average Car Insurance Rates by State

Esurance and Workmen's Auto only compete against each other in California, where Esurance offers the cheaper average premiums. Esurance drivers tend to pay about $3 per month less on average compared to drivers who use Workmen's Auto for their auto insurance.

There are plenty of other factors that go into your car insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group out there on the road. That's normally because 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 car insurance. For example, 18-year-old drivers pay an average of almost 55% less a month by choosing Workmen's Auto over Esurance. It's worth noting that Esurance offers insurance in 11 different states compared to Workmen's Auto's one, which can skew the average prices a bit, but the difference here is still considerable.

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

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the lowest auto insurance rates you'll ever find. 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.

When looking at Esurance and Workmen's Auto specifically, which carrier is best for retired drivers? Workmen's Auto gets the edge, with rates for drivers 65 and older $108 cheaper than the national average for Esurance.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be less expensive for married couples than they are for single policyholders. That's usually because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with Workmen's Auto rates coming in at about half of Esurance's. The advantage for married drivers with Workmen's Auto is also obvious, where drivers save almost 45% per month.

Esurance or Workmen's Auto: Average Rates by Gender

Women generally to pay less for car insurance than men. This is because men are statistically more likely than women to get into accidents and file an insurance claim, which leads to increased risk for insurers and, therefore, higher prices.

Normally, women see premiums around $20 a month more affordable with Esurance; women and men end up paying same monthly prices with Workmen's Auto.

Looking at overall affordability, Workmen's Auto offers the cheapest average rates for both men and women. On average, male drivers save about $158 per month and women save about $137 with Workmen's Auto compared to the average Esurance policyholder.

Esurance vs. Workmen's Auto: 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 pretty complicated. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

However, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, Workmen's Auto has the significant edge, with average monthly prices coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging around $235 a month to Esurance's $396.

Is Esurance or Workmen's Auto Better for Drivers with Spotty Records?

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

Collisions and speeding tickets will most likely raise your rates, but is Esurance or Workmen's Auto cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Esurance for their auto insurance can normally expect their monthly bill to go up about 16% after getting a speeding ticket. Workmen's Auto policyholders can expect a bit more drastic of an increase of around 23%.

Even so, Workmen's Auto has more affordable premiums for drivers in both categories, offering rates that are $131 and $142 cheaper, 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% -- rise in their insurance prices. Drivers who use Workmen's Auto for their auto insurance will see a monthly bill about $45 (or 29%) more expensive after reporting an accident to their insurance company.

At the end of the day, drivers who use Workmen's Auto end up with the cheaper prices after an accident, with average premiums coming in at $156 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. On average, Workmen's Auto will raise your prices around 42% after a DUI, while Esurance's average rates rise by nearly 20%.

Workmen's Auto has the overall lowest prices for drivers with a DUI on their records at $191 monthly, but it's worth noting that Esurance's average rates come from 11 states compared to just one for Workmen's Auto, so the data may be skewed slightly.

How does Credit Score Impact Esurance and Workmen's Auto Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect quite a few drivers out there.

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 carrier offers the cheapest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have fantastic credit. Improving your "good" credit score to an "excellent" one will usually save Esurance customers about 20%. On the other hand, because Workmen's Auto doesn't have data available for credit scores, they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Having bad credit generally means you'll also see higher premiums with Esurance. If your credit score is in the "poor" range, at Esurance, you may pay around $100 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). On the other hand, because Workmen's Auto doesn't have data available for credit scores, they might have better rates for drivers with bad credit over Esurance.

Is Esurance or Workmen's Auto 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 how much auto insurance carriers will charge for coverage? Normally, those who drive fewer miles will end up with less expensive prices since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, Workmen's Auto tends to be the more affordable option. Esurance's average premiums for drivers with 6,000 annual miles come in just under 60% more expensive than Workmen's Auto. Those who drive 12,000 miles each year can expect to pay more than 40% more with Esurance over Workmen's Auto.

Esurance or Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

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

Workmen's Auto boasts the lowest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Workmen's Auto Insurance's average premiums are about $247 less than Esurance. People who live in suburban areas pay around $134 less with Workmen's Auto compared to Esurance. Those in rural areas can expect to save about $62 with Workmen's Auto compared to Esurance.

Esurance vs. Workmen's Auto 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 car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

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

Esurance blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 20 more discounts than Workmen's Auto.

A couple of those are overlapping for things like discounts for being a good driver and mature driver discounts. Esurance also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, Workmen's Auto has a few proprietary discounts of their own like driver-vehicle combination discounts and renewal discounts.

Final Thoughts: Is Esurance or Workmen's Auto Best for You?

You've seen the role certain variables have on your insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Esurance or Workmen's Auto the best company for you and your specific driver profile?

Workmen's Auto might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• Your home is in a busy urban area.
• You live in a rural neighborhood.

Esurance might be best for you if...

• Your credit is below-average.
• Your credit score is high.
• You care about discounts (Esurance offers the most).

Hopefully, this guide helps you get a good idea of the differences between Esurance and Workmen's Auto. 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 car insurance policy is to compare quotes from multiple carriers, not just Esurance and Workmen's Auto. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Esurance vs. Workmen's Auto FAQs

Is Esurance or Workmen's Auto cheaper?

Workmen's Auto is the less expensive of the two carriers when looking at national average rates, with policies averaging $151 a month with Workmen's Auto and $299 for Esurance. But that doesn't mean Workmen's Auto will be the cheapest company for every policyholder, since there are multiple different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Esurance or Workmen's Auto?

Unfortunately, the answer truly is "it depends.". One carrier is not "better" for everyone -- it all depends on the makeup of your unique auto insurance profile. For example, Esurance is cheaper for drivers who have less-than-stellar credit scores, while Workmen's Auto offers less expensive premiums for policyholders with an at-fault accident on their record.

Why do Esurance and Workmen's Auto offer me different rates?

Insurance companies use many different variables when determining the rates they charge. Factors such as gender, your driving record, where you call home, age, and sometimes even things like your credit score can all be used. Both Esurance and Workmen's Auto use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Esurance or Workmen's Auto is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of 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 lowest price. And maybe you'll find that the best company for you isn't Esurance or Workmen's Auto 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.