Esurance Auto Insurance Review (2024)

Owned by Allstate, Esurance Insurance Company offers auto insurance options entirely online. Here's everything to know about Esurance car insurance.

UPDATED: Feb 25, 2024Fact Checked

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

UPDATED: Feb 25, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page 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: Feb 25, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 25, 2024Fact Checked
4.0
autoinsurance.org

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Esurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

Low

Pros

  • An easy process for buying a policy online
  • A convenient, self-serve mobile app
  • User-friendly digital tools

Cons

  • Higher-than-average rates
  • A significant number of customer complaints
  • No accident forgiveness or new car replacement
  • No local agents

Final Verdict: Review of Esurance

Esurance offers car insurance and an easy, user-friendly online option for buying a policy and filing a claim. However, the company has many customer complaints concerning the claims process.

Before buying a policy with Esurance, shop online and compare car insurance rates with other companies. Doing so will help you determine who offers the coverage you want at a price that works for you.

If you’re searching for car insurance, you may want to consider Esurance. Esurance, owned by Allstate, offers auto insurance options entirely online, and the company is known for its easy online access and convenient mobile app. Esurance has high rates compared to some well-known companies, and Esurance auto insurance quotes may not always include discounts. Still, you can compare Esurance quotes and coverage options to other companies in your area to find the best car insurance company for you.

What You Should Know About Esurance, Inc.

The Esurance mobile app is highly-rated, offering features that other insurance companies don’t have on their apps. Still, Esurance auto insurance reviews suggest the company has work to do regarding customer service and claims handling.

Many customers say the Esurance claim payout process takes too long and often becomes confusing or incorrect. Many also say filing a claim with Esurance on the mobile app can be more complicated than the company implies.

If you’re considering an Esurance policy, do your homework beforehand and read customer reviews to see whether the company is right for you.

Esurance Pros and Cons

There are several benefits of purchasing a car insurance policy with Esurance, including:

  • An easy process for buying a policy online
  • A convenient, self-serve mobile app
  • User-friendly digital tools

Still, there are some drawbacks to car insurance with Esurance, like:

  • Higher-than-average rates
  • A significant number of customer complaints
  • No accident forgiveness or new car replacement
  • No local agents

Weighing the pros and cons of insurers you’re considering is the best way to find a company offering the right coverage for you at an affordable rate.

Esurance, Inc. Insurance Coverage Options

Esurance offers standard and add-on coverage types, including:

  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal injury protection
  • Emergency roadside assistance
  • GAP
  • Uninsured motorcyclist
  • Rental car

While Esurance offers specific add-ons like GAP coverage, the company doesn’t have other coverage types, like new car replacement. So if you know there’s a particular type of auto insurance coverage you’re looking for, familiarize yourself with Esurance’s options before purchasing a policy.

What is DriveSense with Esurance?

DriveSense is Esurance’s usage-based insurance program. Policyholders can use the Esurance app to allow the company to monitor their driving habits to lower their auto insurance rates potentially.

The Esurance app monitors habits such as acceleration, braking, hard turns, and when a person drives. Then, insurance rates adjust based on the driver’s inherent risk.

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Esurance, Inc. Insurance Rates Breakdown

While Esurance is supposed to be a company that cuts out the middleman to lower rates, coverage is often more expensive with Esurance than with other auto insurance companies.

Esurance Rates for Teen Drivers

Overall, teen drivers pay more for car insurance coverage, but rates with Esurance are overwhelmingly expensive. This table includes rates for teen drivers based on gender from the top insurance companies.

Full Coverage Auto Insurance Monthly Rates for Teen Drivers
Insurance Company16-Year-Old Female16-Year-Old Male18-Year-Old Female18-Year-Old Male
Allstate$608$638$448$519
Farmers$778$742$573$603
Geico$298$312$220$254
Liberty Mutual$716$778$528$633
Nationwide$411$476$303$387
Progressive$801$814$591$662
State Farm$311$349$229$284
Travelers$709$897$523$729

Female drivers pay 35% more than the national average for coverage, and males pay 27% more. USAA’s rates for teen drivers are around half what Esurance requires.

Esurance Coverage for Adult Drivers

Once people turn 25, they often notice a drop in car insurance costs. However, Esurance rates for young adults are still higher than the national average. Esurance rates are around $1,000 more than USAA’s rates.

Adults pay anywhere from 5% to 7% more than the national average for car insurance coverage with Esurance. Below is the average annual full coverage insurance for adults.

Average Annual Full Coverage Auto Insurance Rates for Adults
Age and GenderAllstateFarmersGeicoNationwideProgressiveState FarmNational Average
30 Y/O Male w/a Clean Record$2,118 $1,925 $1,041 $1,667 $1,633 $1,234 $1,646
30 Y/O Female w/a Clean Record$2,021 $1,843 $1,078 $1,519 $1,569 $1,122 $1,523
45 Y/O Male w/a Clean Record$1,919 $1,595 $962$1,376 $1,261 $1,032 $1,411
45 Y/O Female w/a Clean Record$1,941 $1,602 $958$1,355 $1,340 $1,032 $1,413

In most cases, Esurance’s rates for adults are double USAA’s rates for similar coverage.

Esurance Rates for Senior Drivers

Esurance car insurance rates for senior drivers are also higher than the national average. The table below shows the national average for senior drivers.

Full Coverage Auto Insurance Monthly Rates for Senior Drivers by Age & Gender
Insurance Company55-Year-Old Male55-Year-Old Female60-Year-Old Male60-Year-Old Female65-Year-Old Male65-Year-Old Female
Allstate$152$153$154$150$157$158
Farmers$131$132$128$120$136$136
Geico$76$76$74$73$78$78
Hartford$107$109$103$101$109$112
Liberty Mutual$165$162$159$148$170$167
Nationwide$109$107$104$99$112$111
Progressive$100$106$95$92$103$109
State Farm$82$82$76$76$84$84
Travelers$94$93$90$89$97$96

Rates with Esurance are around $600 higher than those with GEICO.

Esurance Car Insurance After a Speeding Ticket

Auto insurance rates after a speeding ticket with Esurance are around $500 more annually than the national average. You can compare the top insurance companies’ rates after a speeding ticket below.

Full Coverage Auto Insurance Monthly Rates: One Ticket vs. Clean Record
Insurance CompanyOne TicketClean Record
AAA$108$180
Allstate$188$166
American Family$136$116
Farmers$173$140
Geico$106$95
Hartford$136$175
Liberty Mutual$212$177
Nationwide$137$140
Progressive$140$120
State Farm$96$105
Travelers$134$160
U.S. Average$147$123

State Farm offers rates around $1,000 lower than Esurance.

Esurance Coverage After a Car Accident

If you have an accident claim on your driving record, you can expect higher-than-average rates for coverage. Still, Esurance car insurance quotes indicate the company’s rates are nearly 30% higher than the national average.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
Insurance CompanyClean RecordOne Accident
AAA$180$220
Allstate$166$225
American Family$116$176
Farmers$140$198
Geico$95$132
Hartford$175$230
Liberty Mutual$177$234
Nationwide$140$161
Progressive$120$186
State Farm$105$150
Travelers$160$200
U.S. Average$123$172

Esurance’s rates are nearly $1,200 higher than State Farm’s and double USAA’s.

Esurance Car Insurance After a DUI

Esurance coverage after a DUI is only around 2% higher than the national average. Let’s take a look at the cost of car insurance after a DUI from the top insurance companies.

Full Coverage Auto Insurance Monthly Rates by Driving Record
Insurance CompanyClean RecordOne AccidentOne DUIOne Ticket
AAA$180$220$240$220
Allstate$166$225$225$195
American Family$116$176$176$131
Farmers$140$198$198$176
Geico$95$132$132$125
Hartford$175$230$250$215
Liberty Mutual$177$234$234$217
Nationwide$140$161$161$175
Progressive$120$186$186$160
State Farm$105$150$102$138
Travelers$160$200$139$205
U.S. Average$123$172$173$152

However, you’ll pay around $950 more per year for car insurance with Esurance than with State Farm.

Esurance Rates for Drivers with Poor Credit

With a low credit score, you can expect to pay around 7% more than the national average with Esurance.

Full Coverage Auto Insurance Monthly Rates by Credit Score
CompanyGood CreditFair CreditBad Credit
AAA$135$165$245
Allstate$166$197$296
American Family$116$136$203
Farmers$140$161$269
Geico$82$100$148
Hartford$120$155$230
Liberty Mutual$177$226$355
Nationwide$120$133$166
Progressive$109$138$206
State Farm$91$118$200
Travelers$107$128$194
U.S. Average$123$148$226

GEICO’s rates are around $1,100 less per year for drivers with poor credit.

Minimum Coverage with Esurance

While minimum coverage can help people save money on their car insurance, minimum coverage options with Esurance are around 22% higher than the national average.

Liability Auto Insurance Average Rates From Top Providers
Insurance CompanyMonthly Rates
Allstate$61
American Family$44
Farmers$53
Geico$30
Liberty Mutual$67
Nationwide$44
Progressive$39
State Farm$33
Travelers$38
USAA$22
U.S. Average$45

Esurance rates are around $700 more than GEICO’s rates for similar coverage.

Full Coverage Rates with Esurance

Esurance full coverage costs nearly 27% more than the national average. We’ve put together a list of all the top insurance companies and their full coverage rates for your comparison.

View as image

GEICO offers full coverage options for $800 less per year than Esurance.

How Esurance Compares Against Other Auto Insurance Providers

Explore how Esurance stands out when compared to two prominent auto insurance providers: Geico and Progressive. This analysis delves into key aspects, shedding light on the distinct features that set Esurance apart in the competitive auto insurance landscape.

How Esurance Compares Against Other Auto Insurance Providers
Esurance vs. Geico
Esurance vs. Progressive

Esurance, Inc. Discounts Available

Esurance doesn’t offer a comprehensive list of possible discounts, but common car insurance discounts include:

  • Online quote
  • Bundling
  • Paid-in-full
  • Multi-car
  • Claim-free
  • Homeowners
  • AAA affiliation
  • Good student
  • Driver safety course
  • Car safety features

You may qualify for additional discount options, so it’s a good idea to explore whether you’re eligible and how much you could save on coverage.

Frequently Asked Questions

What other types of insurance does Esurance offer?

Esurance offers the following types of insurance:

  • Home
  • Renters
  • Motorcycle

Esurance also offers additional options for coverage via Allstate — its parent company — and other affiliates, including:

  • Condo
  • Commercial auto
  • Umbrella
  • Business
  • Pet
  • RV
  • Boat
  • Classic car
  • Travel
  • Life

Esurance offers various insurance types to cover the needs of many policyholders.

Where does Esurance offer car insurance?

Esurance offers car insurance in every state except Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, and Wyoming.

How do you file a claim with Esurance?

The best way to file a claim with Esurance is to use the company’s mobile app. You can also call 800-378-7262 for assistance.

How do you cancel an Esurance policy?

You have to call Esurance at 800-378-7262 to cancel your policy, and you may have to pay a $50 cancellation fee.

How do you get an Esurance quote?

You can use the Esurance website to get a quote based on your unique information.

Who owns Esurance?

Allstate owns Esurance.

What types of auto insurance coverage does Esurance offer?

Esurance provides various types of auto insurance coverage to meet the needs of different drivers. These include liability coverage, comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, personal injury protection (PIP), and medical payments coverage. You can choose the coverage options that best suit your requirements.

Can I manage my Esurance policy online?

Yes, Esurance offers an online platform where you can manage your policy conveniently. Through their website or mobile app, you can view your policy details, make payments, request changes to your coverage, file claims, and access other policy-related information.

What factors can affect the cost of my Esurance Auto Insurance premiums?

Several factors can influence the cost of your Esurance Auto Insurance premiums. These include your age, driving experience, location, type of vehicle, your driving record, and the coverage options you select. Additionally, factors such as your credit history, annual mileage, and the deductible amount you choose can also impact your premium.

Does Esurance offer any discounts on auto insurance?

Yes, Esurance provides various discounts to help customers save on their auto insurance premiums. These discounts can be based on factors like safe driving habits, bundling multiple policies, having certain vehicle safety features, being a homeowner, paying in full, and more. Check with Esurance to see which discounts you may qualify for.

Does Esurance provide roadside assistance?

Yes, Esurance offers roadside assistance coverage as an optional add-on to your auto insurance policy. With this coverage, you can receive assistance for common issues like flat tires, dead batteries, lockouts, and towing services. It provides peace of mind and helps you get back on the road quickly.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Tracey L. Wells

Licensed Insurance Agent & Agency Owner

Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...

Licensed Insurance Agent & Agency Owner

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.

Reviews
for Esurance, Inc.

3.98 (1,525 reviews)
1
February 8, 2024

Brian777

0 star

I pay 300 a month for full coverage , it’s been a month since I had my car totaled customer service is awful I’m still without a car they have not paid for my car offer to pay anything worst insurance ever
1
September 25, 2023

Neal_in_California

CAUTION - WATCH YOU BACK

esurance was good - until they decided to bail from California. They failed to notify me when my payment was due, then cancelled my policy and refused to renew. I signed up for text message notification, but they didn't notify me. They said yes, you signed up, but turns out there was one final step we didn't tell you about, sorry, bye. So now I find I have been driving without insurance and didn't even know it - until the DMV told me!!
1
April 29, 2023

Hicham

Don't go with them

Bad customer service they charge Lot of money when cancel your policy .they charge me $140 butter look for good insurance company
1
April 13, 2023

Brb40par007_

Claims are not handled properly

My car was involved in attempted car theft on February 22nd at my apartment complex located at [REDACTED ADDRESS] [REDACTED NAME],VA [REDACTED ZIP CODE]. The individual that attempted to steal my car destroyed my back window and ignition housing. I was able to submit a claim the same day. The problem is that my car was delivered to West Broad Hyundai on February 27th. The dealership since February 27th to March 20th. They could not get in con...
My car was involved in attempted car theft on February 22nd at my apartment complex located at [REDACTED ADDRESS] [REDACTED NAME],VA [REDACTED ZIP CODE]. The individual that attempted to steal my car destroyed my back window and ignition housing. I was able to submit a claim the same day. The problem is that my car was delivered to West Broad Hyundai on February 27th. The dealership since February 27th to March 20th. They could not get in contact with my insurance company to make the necessary repairs. Once they got in contact with Esurance, they they had a disagreement with payment. Esurance did not want to honor the dealership's quote to repair my vehicle. The dealership and the insurance company has a back and fourth battle on cost. ESURANCE told me they was going to find another service location to find me another service station. They found me a service station on March 27th. Esurance promise me that I will get my car in timely fashion so they allowed me to get a rental car for a short period of time. Now that it is April 13th and I most return the rental car back in to Enterprise. The problem is that Loyalty Collision had no information about my car nor had no contact with my insurance company. My insurance failed to provide them with the necessary information and payment to the service station to repair my car. I think this is unprofessional that I have been without a vehicle for 2months and my Esurance company is not going to let keep the rental car until I get my car back. If I have to turn in my rental car then I will not have no transportation to get to work which can cause me to lose my job
1
September 29, 2022

Therep

Very Poor Claims Service

As a person only dealing with the claims process I can honestly say they are very poor in claim response time. This is a California policy. I have seen a month pass before they respond to an accident claim. No call backs after many, many calls.
1
September 20, 2022

Mick3y

RUN! DONT INSURE YOUR CAR HERE.

This has been the worst experience I have ever had, I was in a no-fault accident on May 27th. It is now 9/20/2022. I have called multiple times since my accident, and I have emailed the claims department. After calling to complain multiple times, 9/20 was the first day I was told that there was never a complaint entered for me? I have been transferred to multiple VM and have received no response from the supervisor or the adjuster. The records sh...
This has been the worst experience I have ever had, I was in a no-fault accident on May 27th. It is now 9/20/2022. I have called multiple times since my accident, and I have emailed the claims department. After calling to complain multiple times, 9/20 was the first day I was told that there was never a complaint entered for me? I have been transferred to multiple VM and have received no response from the supervisor or the adjuster. The records show that I have called continuously month after month with no response. I have no idea what my next steps should be or if something is needed from me. This is my life, It is very unsettling and disheartening that this company has gotten away with doing this to multiple people. Not having a vehicle has affected me very negatively and it's very sad that the company could care less about its customers. I am so hurt by this and it has caused me a lot of stress
1
September 6, 2022

Dana_Whicker

VERY poor customer service and communication.

I am not a policy holder, but am the victim of a car accident and the driver was insured with Esurance. As of 7 full days of the accident I have not heard one word from the adjuster even though I called and left at least 2 voicemails per day and 2 emails. I have contact the company again to speak to a supervisor just to be transferred to the same adjuster who now has a full voicemail box. These people don't know if I am okay, need a rental car, n...
I am not a policy holder, but am the victim of a car accident and the driver was insured with Esurance. As of 7 full days of the accident I have not heard one word from the adjuster even though I called and left at least 2 voicemails per day and 2 emails. I have contact the company again to speak to a supervisor just to be transferred to the same adjuster who now has a full voicemail box. These people don't know if I am okay, need a rental car, nothing. Although I hate to be this way I had to Lawyer up.
1
July 21, 2022

gt080845

Claims adjusters never call or respond to messages

Esurance is the worst insurance company I have ever dealt with. The adjuster on my claim [REDACTED NAME], has ignored repeated request to call me to handle my claim. Esurance doesn’t seem to know what supervisors are on the job, or on extended leave and not monitoring their messages. Esurance keeps connecting me to [REDACTED NAME], who is on extended leave. They have no one monitoring the calls and messages for the employees who make themse...
Esurance is the worst insurance company I have ever dealt with. The adjuster on my claim [REDACTED NAME], has ignored repeated request to call me to handle my claim. Esurance doesn’t seem to know what supervisors are on the job, or on extended leave and not monitoring their messages. Esurance keeps connecting me to [REDACTED NAME], who is on extended leave. They have no one monitoring the calls and messages for the employees who make themselves unavailable or are not at work, on vacation or somehow not there to supervise. Their voice system is like being in the 7th ring of [REDACTED]. If all you want is an insurance card to prove you have coverage Esurance is the place to go. If you want an insurer that actually provides the coverage stay away from Esurance. I have provided names of the people who aren’t doing their jobs so Esurance will know who they are. Don’t harass them. Just know to avoid them if Esurance wants to assign them to your claim. I can’t provide all the names but at least 10 different people have done a crappy job of getting this going. I only want a phone call so I get things moving. The problem is really Esurance as a company. They take your money and that’s all. I called Esurance 20 times (exact count). I called [REDACTED NAME] at least 8 times & left messages which were not returned. Got transferred to non-working telephone 5 times.
1
July 5, 2022

ghfdsdfhh

horrible customer service. will cancel with no notice.

didn't tell me when my policy was getting cancelled and illegally canceled on the day i was starting a new job. don't go to Esurance if you value your time and dignity.
1
January 21, 2022

Josepi

Buyer Beware!!

Buyer Beware!! I got Esurance to quote a policy for 3 cars and 4 drivers. Their rate was significantly lower than my current policy. A 6 month payment was made and I was all set to cancel the old policy when I looked closer at the quote - they dropped comp and collision on 2 cars! No wonder their rates were lower!! I called back to cancel. Too late! They grabbed $1250+ from my checking account! Previous comparison quotes with other companies w...
Buyer Beware!! I got Esurance to quote a policy for 3 cars and 4 drivers. Their rate was significantly lower than my current policy. A 6 month payment was made and I was all set to cancel the old policy when I looked closer at the quote - they dropped comp and collision on 2 cars! No wonder their rates were lower!! I called back to cancel. Too late! They grabbed $1250+ from my checking account! Previous comparison quotes with other companies were always apples to apples - same levels and types of coverage. Not this BS of dropping coverage to quote a lower rate. With Comp and Collision added back in the premiums jumped nearly $1000!! Deceptive insurance practices!! Buyer Beware!!
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