Esurance Auto Insurance Review (2021)
Esurance auto insurance rates average $326/month for a 42-year-old couple. They offer full coverage as well as bundling options, and have an A+ rating with A.M. Best. Read this Esurance review and then compare Esurance rates.
- Esurance began in 1999 at the very height of the internet craze
- When Esurance began in 1999 it was only available in four states; just 12 years later Esurance was available throughout the United States
- Esurance sells auto, homeowners, health, renters, life, and motorcycle insurance
Esurance is a unique auto insurance company. It doesn’t have offices or walk-in locations — just regional offices, and its headquarters (as well as the Esurance mailing address) are located at 640 Davis St., San Francisco, CA 64111. Esurance operates solely online.
Esurance began in 1999 at the height of the dot-com boom. Fortunately, the company has become one of the largest online car insurance providers, and this Esurance auto insurance review will tell you everything you need to know about it. When it comes to the online auto insurance community, Esurance at one time represented almost 90 percent of policyholders.
How to get Esurance Cheap Auto Insurance Rates
While the price isn’t always the deciding factor in the decision to buy an auto insurance policy, it’s usually a top priority along with great customer service.
You can look at the table below to get an idea of what you might pay for auto insurance with Esurance. The table shows the average annual insurance premiums for Esurance and its major competitors. Keep in mind, however, that these are just guidelines and actual car insurance rates depend on a variety of factors.
|42-Year-Old Married Couple||$3,914||$1,630||$3,046||$3,876|
|42-Year-Old Married Couple (one accident)||$6,242||$3,222||$5,622||$4,566|
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As you can see, Esurance isn’t the cheapest auto insurance company based on these rates. Esurance offers its cheapest rates to younger women. However, Esurance does offer an extensive list of discounts and bundling options that can make it worth your while.
Depending on what your situation is, Esurance may work out for you. For example, if you’re a young woman who qualifies for multiple discounts, it could make the price more comparable.
The main reason that consumers choose Esurance is for its easy accessibility, customer service, and low claim denial rate.
What kind of insurance is Esurance? What do they offer and how is their reputation? Keep scrolling to learn more about getting an auto insurance policy with Esurance.
What is Esurance’s availability by state?
When Esurance began in 1999 it was only available in four states. Just 12 years later, Esurance was available throughout the United States.
Esurance also offers international insurance. International insurance is a special type of insurance that covers your needs when you’re driving outside the United States. Esurance can provide you with auto coverage in Canada and Mexico.
Esurance’s Mexican partner is the International Insurance Group, Inc.
A Mexican auto insurance policy can provide civil liability insurance with coverage up to $300,000. Travel assistance can cover medical expenses up to $25,000 and guarantees bond and legal assistance.
What is the Esurance Auto Insurance Coverage Offered?
One thing you’ll need to decide before buying your auto insurance policy is how much coverage you need and what type of auto insurance coverage you need. Most states require that you carry at least the minimum liability insurance required by law in that state.
If you decide that you need more than the minimum coverage required by the state, there are several different options available to you as additional coverage.
The table below shows some of the different types of policies and coverage available to you, along with what they do. Whether you want a simple, affordable policy that meets state minimum requirements or a more powerful policy, you can find the right coverage for you through Esurance.
|Auto Coverage Type||Purpose of Coverage|
|Bodily injury liability||Part of your liability coverage that pays for medical bills if you've injured someone else in an automobile accident|
|Collision||Covers damage to your car after an automobile accident|
|Comprehensive||Covers damage to your car that happens when you're not driving|
|Personal injury protection||Covers medical expenses for you or your passengers after an automobile accident|
|Property damage liability||The other part of liability coverage that covers the cost of any property damage you've caused in an automobile accident|
|Uninsured/underinsured motorist||Covers the costs if you're in an automobile accident caused by a driver with little or no car insurance|
Does Esurance provide full coverage? Although they are seen as a cheap car insurance company, Esurance policies offer all of these coverages. That includes everything from minimum liability to full coverage.
Always check with your insurance company to see what add-ons, endorsements, and riders are available to you, and make sure to consider price and need when adding these things to your insurance policy.
Esurance car insurance offers optional coverage such as:
- Emergency roadside assistance – covers expenses from towing, flat tire changes, fuel delivery, lockout services, and jump-starts.
- Rental car coverage – you can get reimbursed for rental car expenses after a claim.
- Loan/lease GAP coverage – you can get paid up to 25% over the cash value of your car to payout the loan in the event of a total loss.
Renters insurance can be added to your Esurance car insurance policy only in 21 states.
What are Esurance’s bundling options?
Many auto insurance providers offer different bundling insurance options. Bundling your insurance refers to buying multiple policies from the same company. For example, you can buy your auto insurance policy as well as your life insurance from the same company, if you choose. Most insurance companies offer a discount of anywhere from 5–25 percent if you choose to bundle.
Check out the video below to learn about the pros and cons of bundling your insurance policies.
Many companies offer multi-car discounts, also. You can think of this as a way of bundling as well, but in this case, you’re buying auto insurance for multiple vehicles. Auto insurance companies offer up to a 25 percent multi-car discount on combined policies.
What discounts are offered by Esurance?
The table below shows some of the most common Esurance auto insurance discounts available, an estimate of how much money each can save you, as well as the major auto insurance companies that offer the discount.
|Discounts Offered||Average Percentage|
|Auto Insurance Companies Offering
|Low mileage/Low usage discount||Up to 20%||State Farm, Allstate, Travelers, Nationwide, Progressive|
|Defensive driving discount||10%–15%||State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers|
|Safe driver discount||10%||State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual|
|Military and federal employee discount||8%–15%||GEICO, Esurance, USAA|
|Good student discount||5%–25%||State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Liberty Mutual|
|Senior/Mature driver discount||5%–10%||GEICO, Allstate, Liberty Mutual|
|Homeowner discount||3%||State Farm, GEICO, Allstate, Travelers, Nationwide, Progressive, Farmers|
Check out what discounts esurance provides. They offer discounts based on your policy, your car’s safety features, and being a good driver.
Some of Esurance’s most popular discounts include:
- Fast 5 – This is an automatic 5 percent discount just for getting an online quote. The discount expires when you renew your policy.
- Switch & Save – This is a discount for switching from your current insurer to Esurance. You’ll receive a 5 percent discount until your second renewal.
- Drive Sense – This program keeps track of your driving record and habits and reports them to your insurers. You’ll receive a 10 percent discount for signing up for Drive Sense.
As you can see, it’s always a good idea to check with your insurance provider to see what types of discounts you may qualify for as they can save you a lot of money on your auto insurance.
What programs are available from Esurance?
When Esurance began in 1999 it only offered auto insurance. Today, Esurance has expanded its business to the following types of coverage:
- Motorcycle insurance
- Homeowners insurance
- Renters insurance
- Manufactured housing insurance
- Life insurance
- Health insurance
- Collector auto insurance
- Commercial auto insurance
- Pet insurance
- International insurance
- Specialty insurance for boats
- Personal watercraft
- Recreational vehicles
Esurance does not just sell auto, homeowners, health, renters, life, and motorcycle insurance. They also try to educate people on insurance and help the environment as well. They have also partnered with Petplan, a trusted pet insurance provider with high customer service ratings to provide affordable payment options for animal lovers. Esurance is always there for its customers with a customer service center that policyholders can call 24 hours a day, seven days a week.
What is the Process of Canceling Your Esurance Auto Insurance Policy?
Esurance makes it easy to cancel your auto insurance policy. All you need to do is contact your auto insurance provider and let them know you’d like to cancel your policy.
Esurance understands that there are many reasons that people need to cancel their auto insurance policy. They do, however, advise only doing so if you don’t plan to drive, since driving without auto insurance can lead to serious legal problems.
Is there a refund from Esurance?
When you contact your auto insurance provider to cancel your policy, an agent will walk you through the process. You may be eligible for a refund depending on your payment plan.
How do you cancel with Esurance?
If you need to cancel your policy with Esurance, all you need to do is call the following number: 1-800-ESURANCE (1-800-378-7262). An auto insurance agent will guide you through the process.
When can I cancel my Esurance policy?
You can cancel your policy at any time simply by contacting your auto insurance agent and letting them know that you’d like to cancel your policy. Your agent will let you know when the changes will take effect and whether you’re entitled to a refund of any policy premiums you’ve paid.
How to Make an Esurance Auto Insurance Claim
Esurance makes it easy to file an auto insurance claim. Their website provides all the information you need to get started. You will need an Esurance login to access your customer account, but since this is an online insurance company, all customers will have one.
Esurance works with the E-star Repair Program to provide high-quality repairs for its customers. If you decide to get your repairs done through one of the E-star repair shops, your repairs are guaranteed for as long as you own the car, and you can track the repair progress online.
You can file your claim online through the company’s mobile app, or by calling Esurance’s claims line at 1-800-ESURANCE (1 (800) 378-7262).
After you start your claim, you need to submit a few photos of the damages to get an estimate for repairs.
How to Get an Esurance Auto Insurance Quote Online
Esurance makes it fairly easy to get an online auto insurance quote. Simply go to the Esurance website and enter your information to get a quote. You can also chat with their insurance agents over the phone anytime.
Be prepared to enter your data by having all your information ready to access. You’ll need your basic information such as your name, address, sex, etc. as well as information about your vehicle and personal driving record.
If you’re comparison shopping for auto insurance, you can see that having to enter your information into various company websites can be a long and arduous process. That’s why we provide these guides to do the heavy lifting for you.
You can also enter your information into our free quote tool to get quotes from various companies all at the same time.
What are the Esurance Auto Insurance Ratings?
Esurance has received great ratings from some insurance industry rating providers. A. M. Best, the leading financial strength rating provider for the insurance industry in the United States, gave Esurance an ‘Excellent’ rating.
As a member of the Better Business Bureau, Esurance is held to the organization’s Online Code of Business Practices. Esurance is also a member of the Verisign Secure Site Program, which means that you can make payments via the internet to Esurance without any worries.
Keep reading to learn more about the Esurance company and how this information can help save you money on your next auto insurance policy.
What’s the Esurance Auto Insurance History?
Esurance began in 1999 and went on to become a subsidiary of the White Mountain Insurance Group. The White Mountain Insurance Group sold Esurance to Allstate for $1 billion in 2011. In 2019, Allstate announced that it would be phasing out the Esurance brand in 2020. Allstate, Esurance, Encompass, and Answer Financial will all be combined into one business model.
How is Esurance’s online presence?
Esurance clients have online access to their policy anytime. They also provide helpful driving tips through online videos.
To help their customers that don’t have time to call, Esurance also provides an online learning center that helps to navigate the confusing world of insurance with frequently asked questions and a glossary of common insurance terminology.
Does Esurance have commercials?
Esurance is well known for its television commercials. Some of them feature well-known actors such as Dennis Quaid.
The company has been using these commercials to attract customers since its very beginning, and they have generally been very successful in doing so.
In May 2019, the Chicago Advertising Federation called Esurance’s “Surprisingly Painless” campaign featuring Quaid the best television commercial produced by a Chicago advertising agency that year.
Keep reading to learn more about Esurance.
Is Esurance involved in the community?
Esurance is a company focused on being environmentally friendly. The insurance industry is very paper-oriented. Just think of all the mail you receive from your current auto insurance company. Now imagine all the paper used by independent insurance agencies and the corporate insurance headquarters throughout the United States.
To offset the amount of paper used by more traditional auto insurance providers, Esurance makes their customer policy documents available online, emails their customers instead of mailing letters, and stores their company documents electronically.
In 2005 Esurance also began planting trees throughout their communities, and in the six years since, Esurance has been responsible for planting over 92,000 trees.
Paper isn’t the only area that Esurance has tried to make greener. The Esurance claims fleet is made up of only hybrid vehicles. Hybrid vehicles slash carbon dioxide emissions in half and reduce the driving emissions of pollutants that cause things like smog by as much as 90 percent.
Esurance also works to offset their energy consumption and reduce their carbon footprint. Esurance actually offsets 100 percent of the energy used in their permanent headquarter locations by working with NativEnergy.
How does the Design of Esurance Auto Insurance Website/App look like?
The company’s website is well organized and provides information on all the services available through the company, how to get an online quote, how to file a claim, and much more. Esurance also offers a mobile app that allows you to do all of the things you can do through the website such as pay your bill, make updates to your policy, and access proof of insurance.
Esurance: What’s the Bottom Line
Now that you know all that you need to know about buying your auto insurance policy from Esurance, we hope that you’ll feel more confident in buying your policy. Which part of this guide was the most helpful for you?
Esurance is definitely a company with lots of heart. To start your free auto insurance quotes comparison just enter your ZIP code below for free quotes from multiple companies in your area.
In this section, we answer some of the most commonly asked questions about Esurance auto insurance policies. Some of the answers may have been covered in part or in full in the guide above.
#1 – Is Esurance a good insurance company?
Esurance has a solid reputation and is backed by one of the biggest names in insurance, Allstate. Of course, every individual experience will vary, and you will find both negative and positive Esurance reviews out there. It’s worthwhile to spend some time reading customer experiences before you choose a company.
#2 – How do I get my Esurance proof of insurance?
Esurance is an online company dedicated to saving the planet, so it’s not surprising that your proof of insurance is online. You can access it through the Esurance app or on the Esurance website.
#3 – Are there benefits to using an agent to buy auto insurance?
While it’s possible to buy your auto insurance policy directly instead of through an agent, there are some possible downsides to doing so. First of all, if you choose to go with a local agent, you’ll get the advantage of more personalized service. This experience is just not possible when you buy directly from a large company. With a local agent, you might speak to the same person about your policy every time.
Many people believe that buying directly from the company can save them money by cutting out the figurative middleman, but this theory doesn’t consider the large marketing budget that these companies use for direct marketing.
That can even out the playing field when it comes to price, meaning that a local agent can often offer you the same prices as you could get by buying directly from the company.
#4 – Who offers the cheapest auto insurance?
Esurance is a budget insurance company that has built its reputation on offering cheaper rates thanks to low overhead. That doesn’t mean they will be the cheapest for everyone. The best way to find the cheapest car insurance for you is to shop around and compare.
#5 – Does Esurance offer SR-22 insurance?
If you’ve had more than your fair share of traffic citations, automobile accidents, and auto insurance claims, you may be considered a high-risk driver. Normally, high-risk drivers must buy SR-22 insurance, which is not available through all companies, so it may take some looking around to find coverage.
The filing fee to get SR-22 insurance is only $15 to $35, but the increase in rates for SR-22 insurance when compared to rates for drivers without any driving violations on their records is definitely not pocket change. Rate increases for driving violations that result in a driver being forced to carry SR-22 insurance can be as much as $541 a month.