What discounts does Esurance offer?

Want auto insurance discounts? Esurance offers a "Fast Five" discount for purchasing a policy after searching for quotes online. Save by comparing rates from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance...

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Reviewed byDaniel Walker
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UPDATED: Apr 27, 2020

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Things to remember...
  • Esurance is a multi-line insurance company that partners with Allstate to offer insurance consumers online solutions
  • By creative an intuitive online system, Esurance has made it possible for customers to do everything online
  • You can save on your insurance premiums by taking advantage of the discounts that are offered by the insurer
  • Esurance is known for offering Claims-free, Continuous Coverage, Defensive Driver, and Driver’s Ed discounts
  • Vehicle-specific discounts that are available include Green Vehicle, Newer Vehicle, Alarm, and Vehicle Recovery

Esurance is a multi-line insurance company that believes in giving their consumers a seamless online experience. If you’re shopping around for auto insurance, it’s nice to know that you can do everything from changing your insurance policy to file a claim online from your laptop or your phone. While the company does offer hassle-free insurance options, many consumers are concerned with price over convenience.

Make sure to do online comparison shopping with our free quote tool above! 

One of the most effective ways to save money on your insurance premiums is to find the carrier that offers the biggest menu of discounts that you qualify for. Some companies have only a small list of discount offerings and others have an expansive one. If you’re considering Esurance for your auto insurance, here’s what you need to know about the discounts this online insurer offers:

Why do auto insurance companies offer discounts?


Insurance companies have a base rate per unit of insurance sold. This is the rate that the insurer uses before factoring in a person’s risk classification. How a person drives, what car a person drives, where they drive, and information about their driving record will all play into the rate calculation process.

Insurers will offer their customers specific discounts for a few different reasons. The first is to keep their insurance products marketable to a certain target audience.

The next is to offer customers who are less of a risk a bigger incentive to do business with the company. The last is to reward customers for good behaviors.

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Some Discounts Are Company-Specific and Some Are State-Specific

An insurance carrier might advertise that they offer a Good Driver Discount to all clients with clean records for the last three years. What you might not know is that in some states, like California, insurers are required by law to offer that discount to all drivers who qualify. That’s because it’s a state-specific discount.

You’ll receive state-specific discounts no matter what carrier you do business with. It’s the company-specific offerings that differentiate one insurer from the next.

Some insurers offer a very basic set of discounts and others have gotten very inventive with their savings programs. Esurance is one of those companies with an expansive list of discounts for the right drivers.

Discounts Offered by Esurance


Some auto insurance discounts save you as little as 2 percent off of the total premium and others can save you upwards of 30%. The best thing about insurance discounts is that they can be stacked.

If you qualify for three different savings, you’ll be able to combine them all. Some of the discounts are only specific to the state that you live in. Here’s a breakdown of all the best discounts to look for:

Vehicle Discounts

The type of vehicle that you drive does dramatically affect your rate. When you enter your VIN, it will be used in the process of risk classification. Cars that cost more to repair or that are stolen more frequently than others will cost more to insure. Fortunately, you can still qualify for discounts even if you have a high-risk car.

Esurance offers savings for vehicles with certain standard features. These features are typically installed in newer vehicles as accident deterrents. When you’re filling out information about your car, make sure it’s accurate because there are discounts available for the following:

  • Anti-lock Brakes
  • Anti-theft (passive or active alarms)
  • Daytime Running Lights
  • Green Vehicle (for electric cars and hybrids)
  • Newer Vehicle
  • Passive Restraint
  • Vehicle Recovery (for LoJack and OnStar)
  • VIN Etching (only in LA, NY and NJ)

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Driver Discounts

Who is driving the car has even more of an impact than the car itself on the rates. You could be driving a compact car that’s 10 years old and still pay a small fortune for coverage if you have a combination of tickets and accident on your short driving record.

If you’re a good or trained driver, you’ll be eligible for savings. Here are some of Esurance’s driver-related discounts:

  • Defensive Driver (for drivers 50+ who complete an approved driver education course)
  • Driver’s Ed (for drivers under 21 who complete a teen smart driving course)
  • Further Education (drivers with a 4-year degree or higher)
  • Good Student (GPA of 3.0 or higher)
  • Homeowner (for drivers who own property)
  • Married
  • Group of Affinity Memberships
  • Military (LA only)
  • Occupation (discounts for occupations where drivers are statistically in fewer accidents)
  • Senior Driver
  • Safe Driver (only in CA, FL, WA)

Usage Discounts


How often you drive can also affect your rates. If you’re driving hundreds of miles a week, you’ll pay more than someone who’s only driving 40. Your annual mileage and also the purpose of your drives will affect your ratings. Here are some usage based discounts offered by Esurance:

  • Driving Device Discounts (only in CO, MO, OH, and UT)
  • Low Mileage (only available in CA)

Insurance History Discounts

You are required by law in most states to carry insurance. You must carry insurance from a provider that’s licensed in your state. Esurance is licensed in all 50 states for your convenience. When you’re comparing premiums, give yourself credit when you have an established insurance history. Here are some insurance record discounts:

  • Continuous Coverage (when you have no lapses)
  • Claim Free (in the last three years)
  • Future Signing (if you choose an effective date more than 24 hours in the future)

Other Discounts

Some discounts don’t fall into a driver, vehicle, or insurance record category. Here are some additional ways that you can save with Esurance:

  • Multi-policy (for having multiple lines of insurance)
  • Multi-vehicle (for insuring two or more cars with Esurance)
  • Online Shopper
  • Auto Pay
  • Full Pay

If you want to do business with Esurance, there are plenty of different opportunities to save. The company is dedicated to offering intuitive tools for servicing your policy and you can even add discounts by logging into your account. To see if these discounts will lower your rates and save you money, use our free online comparison tool and get several quotes today.


  1. http://www.dgs.ca.gov/orim/Programs/DDTOnlineTraining.aspx
  2. http://www.foxbusiness.com/features/2013/07/01/auto-insurance-discounts-not-to-be-missed.html
  3. http://www.ct.gov/dmv/cwp/view.asp?a=1523&q=244724
  4. https://www.thebalance.com/how-to-get-a-good-driver-discount-527533
  5. http://www.huffingtonpost.com/laura-adams/have-low-mileage-you-may-_b_7338458.html
  6. https://www.thebalance.com/how-to-get-a-multi-policy-discount-527535
  7. https://www.thebalance.com/how-do-i-get-a-multi-car-discount-527538

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