Esurance Auto Insurance Review [2024]
Esurance auto insurance, owned by Allstate, revolutionizes the industry with its predominantly online approach, offering simplicity and transparency at an average monthly rate of $326 for full coverage.
Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 23, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Esurance
Average Monthly Rate For Good Drivers
$114A.M. Best Rating:
A+Complaint Level:
HighPros
- Mostly online-based, offering convenience and easy access to policy management
- Owned by Allstate, a reputable insurance company
- Offers a range of coverage options and optional policy add-ons
- Provides roadside assistance and a mobile app for added convenience
Cons
- Allstate plans to phase out the Esurance brand eventually, which may introduce uncertainty for policyholders
- Not accredited by the Better Business Bureau (BBB) and has received mixed customer reviews
- Availability of coverage may vary by state
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.
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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.
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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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Driver Profile | Esurance Auto Insurance | National Average |
---|---|---|
Clean Record | $130 | $119 |
1+ Ticket | $170 | $147 |
1+ Accident | $200 | $173 |
DUI | $280 | $209 |
Poor Credit | $230 | $205 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
Your auto insurance rates depend on a variety of variables, including your driving record, ZIP code, age, and even the type of vehicle you drive.
Esurance auto insurance rates cost about $326 per month on average for full coverage policies or $3,912 annually.
But your quote may look very different, depending on your unique circumstances. So consider comparing your Esurance quote to the average cost of coverage in your state.
The table below compares the average annual auto insurance expenditures in the states where Esurance operates, as reported by the Insurance Information Institute (III).
Average Annual Auto Insurance Expenditures by State
State | Average Annual Auto Insurance Expenditures |
---|---|
Alabama | $904.56 |
Arizona | $1,046.40 |
Arkansas | $898.89 |
California | $1,034.05 |
Colorado | $1,132.81 |
Connecticut | $1,216.55 |
Florida | $1,426.46 |
Georgia | $1,212.04 |
Idaho | $722.06 |
Illinois | $916.49 |
Indiana | $767.72 |
Iowa | $700.71 |
Kansas | $805.15 |
Kentucky | $936.91 |
Louisiana | $1,545.82 |
Maine | $686.25 |
Maryland | $1,211.83 |
Massachusetts | $1,167.16 |
Michigan | $1,469.73 |
Minnesota | $872.65 |
Mississippi | $971.19 |
Missouri | $913.81 |
Nebraska | $796.87 |
Nevada | $1,260.43 |
New Jersey | $1,385.61 |
New Mexico | $915.62 |
New York | $1,425.00 |
North Carolina | $734.06 |
North Dakota | $686.08 |
Ohio | $794.91 |
Oklahoma | $915.49 |
Oregon | $990.21 |
Pennsylvania | $991.23 |
Rhode Island | $1,333.12 |
South Carolina | $1,093.97 |
South Dakota | $721.67 |
Tennessee | $855.78 |
Texas | $1,152.25 |
Utah | $941.14 |
Virginia | $853.78 |
Washington | $1,035.34 |
West Virginia | $938.71 |
Wisconsin | $755.97 |
Read more:
- Esurance Insurance Company of New Jersey Review
- Esurance Insurance Company of New Jersey: Customer Ratings & Reviews
According to the company website, Esurance customers who switched saved an average of $462 on their insurance policies.
However, if you’re in the market for new coverage, you should compare auto insurance quotes from multiple companies to truly secure your best rates.
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How do you file Esurance auto insurance claims?
You can file claims with Esurance auto insurance company through your mobile app, on the website, or by calling Esurance directly.
According to the company website, filing through the mobile app is often the quickest and most convenient option.
The mobile app allows you to submit photo claims, which helps speed up the process.
But if you prefer speaking with a representative, the Esurance claims number is 1-800-378-7262. It typically takes a few days up to a week for Esurance to close a claim. Complex claims may take longer.
Esurance, Inc. Discounts Available
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Discount | Esurance Auto Insurance |
---|---|
Anti Theft | 15% |
Good Student | 20% |
Low Mileage | 12% |
Paperless | 8% |
Safe Driver | 30% |
Senior Driver | 7% |
Esurance offers many different auto insurance discounts to customers.
However, availability and the total saving amounts vary by state.
The table below shows all auto insurance discounts offered by Esurance, with potential rate reductions included where available.
Esurance Auto Insurance Discounts
Discount Name | Rate Reduction Available |
---|---|
Anti-lock brakes | Yes - 5% |
Anti-theft | Yes - 25% |
Claim free | Yes - 25% |
Continuous coverage | Yes |
Daytime running lights | Yes |
Defensive driver | Yes - 10% |
Driver's ed | Yes |
Driving device/app | Yes - 25% |
Early signing | Yes - 10% |
Fast 5 | Yes - 5% |
Full payment | Yes - 10% |
Further education | Yes - 15% |
Good student | Yes - 10% |
Good/safe driver | Yes |
Green vehicle | Yes |
Homeowner | Yes |
Low mileage | Yes - 15% |
Married | Yes |
Membership/group | Yes |
Military | Yes - 25% |
Multiple policies | Yes |
Multiple vehicles | Yes |
Newer vehicle | Yes |
Occupation | Yes |
Online shopper | Yes - 11% |
Paperless/auto billing | Yes |
Passive restraint | Yes - 33% |
Renter | Yes - 30% |
Roadside assistance | Yes - 5% |
Senior/mature driver | Yes |
Students & alumni | Yes |
Switching provider | Yes |
Vehicle recovery | Yes - 25% |
VIN etching | Yes |
Esurance also unrolled its usage-based insurance discount program, DriveSense. DriveSense relies on technology already installed on your mobile device to track and evaluate your driving habits.
Customers download the DriveSense app separate from the Esurance mobile app to earn rate reductions based on how safely they drive.
The discount changes at each policy renewal based on your driving performance. You also get a rate reduction simply for enrolling.
How Esurance, Inc. Ranks Among Providers
Exploring the competitive landscape of auto insurance providers, Esurance contends with several key rivals. Understanding the unique characteristics of these companies helps consumers make informed decisions about their insurance choices.
- Geico: Geico, or the Government Employees Insurance Company, is a major player known for its affordability and humorous advertising.
- Progressive: Progressive is an industry innovator, celebrated for introducing usage-based insurance through its Snapshot program.
- State Farm: State Farm, a household name, boasts an extensive network of agents and offers a comprehensive suite of insurance products, emphasizing personalized service.
Esurance’s competitors—Geico, Progressive, and State Farm—each have their distinctive characteristics. Geico is recognized for affordability, Progressive for innovation, and State Farm for its extensive agent network and personalized service.
Weighing these differences enables consumers to choose the auto insurance provider that aligns best with their preferences.
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Frequently Asked Questions
What is Esurance Auto Insurance?
Esurance Auto Insurance is an online-based car insurance provider owned by Allstate that offers traditional coverage options and optional add-ons.
What are the average monthly rates for good drivers with Esurance Auto Insurance?
Esurance Auto Insurance rates average around $326 per month for full coverage policies.
Is Esurance a good choice for car insurance?
Esurance has earned an A+ rating from A.M. Best but is in the process of being phased out by Allstate. Its customer reviews and complaints have been mixed.
How do I request a quote from Esurance Auto Insurance?
You can request a quote through the company’s website or by calling their customer service number.
Does Esurance Auto Insurance offer roadside assistance?
Yes, Esurance Auto Insurance offers roadside assistance as an optional add-on.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Brian777
0 star
Neal_in_California
CAUTION - WATCH YOU BACK
Hicham
Don't go with them
Brb40par007_
Claims are not handled properly
Therep
Very Poor Claims Service
Mick3y
RUN! DONT INSURE YOUR CAR HERE.
Dana_Whicker
VERY poor customer service and communication.
gt080845
Claims adjusters never call or respond to messages
ghfdsdfhh
horrible customer service. will cancel with no notice.
Josepi
Buyer Beware!!