Esurance Auto Insurance Review [2024]

Esurance auto insurance policies are sold almost entirely online. Owned by Allstate, Esurance aims to provide drivers with simple, transparent, and affordable insurance.

However, a 2019 press release from Allstate announced plans to eventually shut down the Esurance brand and reallocate funding back to the parent company.

In this Esurance auto insurance review, learn how to request quotes, look at financial and customer ratings, and more to determine if this is the right company for you.

Read on to learn more about affordable Esurance auto insurance rates and coverage. Secure your best possible price by entering your ZIP code into our free tool above to receive quotes from the top companies near you.

What You Should Know About Esurance, Inc.

Esurance is owned by the Allstate auto insurance company and provides online auto insurance coverage for drivers who prefer technology over talking on the phone.

But you can still call the Esurance auto insurance phone number to speak with a team of licensed professionals whenever needed.

While Esurance operates in most parts of the country, it’s currently only available in 43 states.

Plus, in a 2019 press release, Allstate announced plans to close the Esurance brand eventually.

Specifically, the press release claimed the Esurance brand would be phased out by 2020. But as of 2022, new Esurance policies are still being underwritten.

However, the company representatives confirmed in the first quarter 2021 earnings conference call that the phase-out would occur later.

So know that if you decide to switch to this company as a new customer, there’s a very good chance that a significant change may impact your policy.

In the meantime, Esurance typically underwrites traditional auto insurance coverages, including liability, collision, and comprehensive insurance.

In select states, you can also purchase uninsured or underinsured motorist coverage, personal injury protection (PIP) insurance, and medical payments (MedPay) coverage.

As optional policy add-ons, Esurance offers rental car coverage, loan or lease guaranteed asset protection (GAP) insurance, and emergency roadside assistance.

As a mostly-digital insurance company, customers create an Esurance auto insurance login either on the website or through the mobile app.

In the app or online customer portal, you can make changes to your policy, pay your bills, file and track claims, and access your ID cards.

The app also connects you to roadside assistance services if you add it to your policy.

How do you request Esurance auto insurance quotes?

The easiest way to request Esurance auto insurance quotes is through the company website. The online quote tool takes only a few minutes to fill out.

However, you may also call the customer service number at 1-800-378-7262 to speak directly with a friendly expert.

But remember, Allstate still supposedly plans to eventually phase out the Esurance brand.

What are the Esurance ratings and reviews?

It’s important to analyze an insurance company’s financial ratings and customer reviews before purchasing a policy. That way, you can ensure the company is reliable.

Fortunately, Esurance earned an A+ score from A.M. Best, meaning the company can follow through on its financial obligations to policyholders. Plus, this company is backed by Allstate.

However, it is also currently in flux, as the Esurance brand will eventually be phased out in the near future.

Regardless, the Esurance auto insurance reviews from customers don’t always fare as well as the financial evaluations.

The company is not accredited by the Better Business Bureau (BBB) but earned an A- rating. However, real customers scored it as only 1.02 stars out of a possible 5.

Similarly, Esurance earned a complaint index of 2.94, according to the National Association of Insurance Commissioners (NAIC).

The median is set to 1.00, so 2.94 means Esurance received almost three times as many complaints as the median.

Keep these customer experiences in mind while shopping around for your best coverage.

Esurance, Inc. Insurance Coverage Options

Besides auto insurance policies, Esurance also sells homeowners, renters, and motorcycle insurance.

However, availability for each insurance type varies by state.

The company also offers bundling deals if you purchase multiple lines of coverage from Esurance. You can manage these policies through the same mobile app where you manage your auto policy.

What is the history of Esurance insurance?

Esurance was founded in 1999 and was one of the first companies to sell online auto insurance directly to drivers over the internet.

Esurance paved the way for the large number of newer online auto insurance companies that exist today.

In 2011, Allstate announced it would purchase Esurance, which was only underwriting policies in 30 states at the time.

In 2019, Allstate published a press release stating it would phase out the Esurance brand by 2020 and reallocate the funding back into the Allstate brand.

However, as of 2022, Esurance is still underwriting new policies. But spokespeople for Allstate reportedly claim the phase-out will still occur.

So, for now, the future of Esurance remains in flux.

Esurance Auto Insurance: The Bottom Line

Esurance paved the way as one of the first online auto insurance companies. It conveniently provides reasonable rates for the consumer who prefers a digital experience.

But, ultimately, the future of Esurance remains unknown as Allstate plans to phase it out in the future.

If you’re shopping around for new coverage, it may be easier to purchase a policy from one of the best insurance companies that currently have more predictable futures.

Hopefully, we’ve help you decide whether or not to buy Esurance auto insurance. While you consider what you’ve read, enter your ZIP code into our free rate tool below for quotes from the top companies in your region.

Esurance, Inc. Insurance Rates Breakdown

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