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Esurance Auto Insurance

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Company Details

P.O. Box 5250

Sioux Falls
ZIP Code:
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Year Founded
AM Best Rating:
Company Rating 1 (1 review)

Things to Remember...
  • Esurance began in 1999 at the very height of the internet craze
  • When Esurance began in 1999 it was only in four states; just twelve years later Esurance is available throughout the United States
  • Esurance sells auto, homeowners, health, renters, life, and motorcycle insurance

Esurance is a truly unique auto insurance company. Esurance does not have offices or walk-in locations, just regional offices and its headquarters is located at P.O. Box 5250 Sioux Falls, SD, 57117. Esurance operates solely online.

Esurance began in 1999 at the very height of the internet craze. Fortunately, Esurance has become one of the largest online insurance providers.

When Esurance began in 1999 it was only in four states; just twelve years later Esurance is available throughout the United States. When it comes to the online auto insurance community Esurance represents almost 90 percent of policyholders.

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Esurance’s Unique Approach


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.

Esurance in always there for their customers with a customer service center that their policyholders can call twenty-four hours a day, seven days a week.

The Esurance client also has online access to their policy anytime day or night.

To help their customers that do not 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.

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Esurance Is a Green Company

The insurance industry is a very paper-oriented industry. Just think of all the mail you receive from your current auto insurance provider.

Now imagine all of the paper used by all of the 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 customer’s 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 is not 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 emission 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.

Esurance Is Financially Solid


Esurance is a subsidiary of the White Mountain Insurance Group. The White Mountain Insurance Group is a holding company that has assets in the billions of dollars.

A holding company is a company that buys stock in another company. By buying the stock the holding company frees the other company’s assets providing that company with the ability to offer more coverage possibilities to its customers.

The White Mountain Insurance Group is a publicly traded company with a listing on the New York Stock Exchange.

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 Online, Esurance is held to their 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.

Esurance Offers Many Types of Insurance

When Esurance began in 1999 it only offered auto insurance. Today, Esurance has expanded its business to the following types of coverage:

International insurance is a special type of insurance that covers your needs when you are driving outside of 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.

Esurance also provides is pet insurance. For many Americans, our pets are like family members. Americans have started buying insurance policies to provide coverage in case one of their furry family members gets hurt or sick.

Esurance understands the bond between owner and pet and has partnered with Petplan to provide protection against the unknown. Petplan is the official pet insurance provider for The Humane Society of the United States.

Some of the basics covered in the Esurance pet insurance plan with no added premium are prescription medications, cancer treatment, non-routine dental treatment, hereditary conditions, congenital conditions, chronic and long-term conditions like hip dysplasia.

Esurance is definitely a company with lots of heart. To see how their auto insurance rates compare to other companies in your area just enter your zip code below!


One Review

  1. Christine Vogt May 21, 2016

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