Esurance was originally envisioned as an online auto insurance provider who could provide cheaper premiums than other big players in the industry. While originally founded in 1999, the company was purchased by Allstate in 2011. To this day, Esurance is still part of the Allstate family, which brings more than 90 years of experience in the insurance industry along with it.
Unfortunately, Esurance was not rated in the most recent auto insurance study from J.D. Power, so it’s somewhat difficult to gauge customer service satisfaction ratings among customers with this company. With that being said, Esurance does boast an average star rating of 3.9 out of 5 stars across more than 1,300 reviews on Consumer Affairs.
If you’re in the market for a new auto insurance policy, you may be wondering if Esurance is worth considering. Read on to learn how this company’s car insurance policies are structured and whether you should consider it.
In addition to auto insurance, Esurance also offers homeowners insurance, renter’s insurance, motorcycle insurance and more.
To come up with the sample auto insurance premiums for the chart above, we sought quotes for Houston, Texas drivers ages 23 and 53. Each quote is for a single insured driver who owns a 2018 Toyota Camry and drives approximately 12,000 miles per year. Quotes in the chart are for fully-employed male and female drivers with a clean driving record.
Note: Liability limits are expressed in a three-number sequence that looks like XX/XX/XX. The first number in the sequence is the amount of coverage for an injury to one person in an accident that’s determined to be your fault. The second number is the coverage limit for all injured parties in a single accident, while the third is coverage for property damage to other people’s property.
Esurance does offer some unique features that help them stand out, including the following:
Like other major car insurance providers, Esurance offers a range of discounts that can help you pay less for your premiums overall. Also be aware that Esurance makes it possible to “stack” multiple discounts for even more savings. For example, you can save money with one of the discounts below while also using their DriveSense savings app and program.
If you’re planning to get a quote for auto insurance from Esurance, make sure to see if you’re eligible for the following discounts:
If your goal is getting a good deal on car insurance, you should shop around and compare premiums with at least three or four different insurance companies. With that being said, you should make sure you’re comparing premiums for the same level of coverage and the same policy limits.
While Esurance auto insurance may or may not offer better premiums than other providers when you enter your information, we still believe this company is better for certain types of consumers than others.
For example, Esurance may be ideal for:
To find out if Esurance is right for your insurance needs, you’ll want to start the process by getting a free quote. From there, you can play around with coverage options and policy limits to see how much you would need to pay for the amount of coverage you need to sleep well at night.
As we mentioned already, we also suggest comparing auto insurance premiums among at least three or four different providers. This exercise will help you determine which company offers the best coverage for a price you can afford.
To help in your search, we picked a few top providers that offer similar coverage options to Esurance. The following chart highlights the basic details of three other auto insurance companies — GEICO, Liberty Mutual and Allstate.GEICO Liberty Mutual Allstate Discounts offered Vehicle equipment discountsDiscounts for driving history and habitsGood Driver discountGood student discountFederal employee and military discountsMultiple policies Vehicle equipment discountsDiscounts for driving history and habitsHomeowner discountMilitary discountMultiple policy discountGood student discountEarly shopper discount New car discountMulti-policy discountGood student discountEquipment discountsPayment discountsSafe driving discounts Ratings for customer service in J.D. Power’s 2021 U.S. Auto Insurance Study Scored above average in 3 out of 11 regions nationwide Scored above average in 2 out of 9 regions where offered nationwide Scored above average in 1 out of 11 regions nationwide Customer star rating (Consumer Affairs) 3.7 out of 5 stars 4 out of 5 stars 3.8 out of 5 stars Financial strength rating (A.M. Best) A++ A A+
Esurance offers robust auto insurance coverage with plenty of ways to customize your policy. With that being said, they note that their insurance coverage is mostly aimed at protecting you in the following three areas:
Within these three categories, the main types of auto insurance coverage you can purchase through Esurance include the following:
Note that these are the types of coverage you can buy through Esurance, but that you can tailor your policy so you’re only paying for the types of insurance you want or need. You can also play around with policy limits, deductibles and other coverage options to get your monthly premiums where they need to be.
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Esurance is a highly-rated auto insurance provider that offers coverage in 43 different states. You may be able to save money on premiums with the many auto insurance discounts they offer, and you can find out in six minutes or less by getting a free quote from Esurance online.
With that being said, it never hurts to compare coverage options from other auto insurance providers, including ones that may have more reviews as well as ratings from third parties like J.D. Power.
Allstate purchased Esurance in 2011, and rumors have swirled the last few years that the insurance giant plans to drop the brand. However, Allstate still owns Esurance as of August 2021. While one company owns the other, the two insurance companies operate independently.
You can pay Esurance premiums over the phone, on the company website or using the Esurance mobile app.
You can call Esurance 24 hours a day at 1-800-378-7262. You can also contact the company through their online email form, reach out to Esurance on Facebook or tweet the company at @Esurance.
Esurance offers auto insurance, homeowners insurance, renter’s insurance and motorcycle insurance.