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Picking the right auto insurance provider can be a tricky business, and today we’ll take a closer look at Esurance reviews, coverage, and cost to ensure you’re making the best purchase. Our research team has done some thorough research on over 30 of the most popular auto insurance companies. Evaluated based on coverage, availability, financial strength, customer service, cost, and technology, we’ve compiled a list of the nation’s best car insurance companies.

Esurance offers some high-tech options that set it apart from other companies and has multiple apps and online tools to make buying and using car insurance simple. Its main mobile app has high ratings and has been reviewed by hundreds of thousands of customers. While other companies have added mobile technology over time, Esurance’s core offering is its digital experience.

In this Esurance review, we’ll look at the coverage options, perks, and apps you can get from Esurance. We’ll also cover the company’s customer service and average price.

To start, we recommend getting matched to the best value providers available in your area, such as Esurance.

Esurance Auto Insurance At A Glance

Esurance, an internet-based insurer, wrote 1.68 billion in total premiums in 2016, making it a smaller company overall. The company has an A+ financial strength rating from AM Best, as does its parent company, Allstate. Esurance enjoys mostly positive customer reviews, which often mention its user-friendly apps. However, some policyholders were unhappy with their higher-than-average rates.

Alongside its auto insurance policies, Esurance also offers:

Because Esurance works solely online, you can’t visit any brick-and-mortar offices.

Esurance Auto Insurance Availability

You can get Esurance auto insurance in 43 states today. Esurance is not available in the following seven states:

Are Esurance And Allstate The Same Company?

Esurance commercials always say the company is backed by Allstate, but what does that mean? Well, Esurance auto insurance started in 1999. Then, in 2011, Allstate bought the company. So now it’s a subsidiary of Allstate, but it still does its own thing.

Resources from Allstate help Esurance to develop technology and improve its service, but you’ll never talk to an Allstate agent if you call Esurance. Allstate makes sure to differentiate its marketing from Esurance, as well. While Dennis Haysbert asks us if we’re in good hands in a serious tone, John Krasinski, a.k.a. Jim from The Office, tells us that Esurance is made for the modern world.

Coverage Options With Esurance

Policy options from Esurance cover the basic types of auto insurance, which are:

You also have a few more choices for optional coverage with Esurance auto insurance:

  • Roadside assistance: This option pays $75 per incident toward expenses from towing, flat tire changes, fuel delivery, lockout services, and jump-starts. If you don’t have roadside assistance on your plan, you can still call in and use services à la carte by paying per occurrence.
  • Rental car coverage: With this option, you can get reimbursed for rental car expenses following a covered claim.
  • Loan/lease gap coverage: Esurance will pay up to 25 percent over the cash value of your car to help you pay off your loan in the event of a total loss. For example, let’s say you owe $15,000 on your car but it’s valued at $10,000. Your collision or comprehensive policy would pay $10,000 (minus your deductible), and the gap coverage would pay another $2,500. New cars are getting more expensive every year, so it can be a good idea to have this option.

While a few car insurance companies offer coverage for mechanical breakdowns, Esurance auto insurance doesn’t. However, you can also find coverage for those situations with extended car warranties.

How Much Does Esurance Auto Insurance Cost?

After analyzing information obtained from Quadrant Information Services, we estimated that a 35-year-old with good credit and a clean driving record would pay a premium between $1,000 and $3,000.

Unfortunately, Esurance is not typically the cheapest option if you’re shopping around. It offers great coverage, discounts, and perks, but many good drivers would still pay more for Esurance than a cheaper company like Geico or Progressive.

The company’s website claims that people who switch to Esurance auto insurance save an average of $462, but it doesn’t say how many customers don’t save money.

What Policy-Based Discounts Does Esurance Offer?

Esurance offers a number of different discounts. First, we’ll start with discounts that are based on your policy:

Fast 5 DiscountSave 5 percent off your first term by starting an online quote.
Multi-Policy DiscountSave by bundling policies (discount varies).
Paid-In-Full DiscountSave up to 10 percent by paying your premium in full.
Multi-Car DiscountSave by insuring multiple cars (discount varies).
Claim-Free DiscountSave 10 to 25 percent by being claim-free for the past 5 years.
Homeowners Insurance DiscountSave when you or your spouse own a home or condo (discount varies).
Renters Plus DiscountSave on auto insurance when you have renters insurance. Discount is 30 percent of your renters premium subtracted from your auto premium.
Emergency Roadside Assistance DiscountSave up to 5 percent if you already have an emergency roadside assistance provider.
Online Shopper DiscountShoppers in Utah, Illinois, and Virginia can get an extra discount for starting an online Esurance quote.

What Other Discounts Does Esurance Offer?

Now, here are discounts based on your driving and safety features in your car:

Good Driver DiscountSave 30 to 40 percent for having had a license for at least 3 years and only one point on your driving record.
DriveSense® DiscountGet a discount for signing up for DriveSense, and then save up to $100 off your premium by maintaining good driving habits.
Good Student DiscountSave up to 10 percent by being a full-time student under 25 years old with at least a B average.
Defensive Driver DiscountSave up to 10 percent for completing a defensive driving class (not applicable to court-ordered classes).
Safety Device DiscountSave between 2 and 33 percent when your car has safety devices like airbags or automatic seatbelts – discount applies to MedPay and PIP policies.
Anti-Theft DiscountSave between 5 and 25 percent for having anti-theft technology.
Anti-Lock Brakes DiscountSave 5 percent for having anti-lock brakes.

We’ve just covered a lot of discounts, but keep in mind that most auto insurance companies use a multiplicative system to calculate discounts. The company arranges your discounts from large to small and then applies each discount in order to your total.

For example, let’s say you were awarded discounts of 30 percent and 10 percent. On a $1,000 policy, the 30 percent discount would bring that down to $700. Then, the 10 percent discount would take that down to $630. While it looks like you have 40 percent of total discounts, it really works out to be 37 percent.

In another scenario, 10 discounts of 10 percent do not equal 100 percent off. On a $1,000 policy, you’d still have to pay about $349. That’s a heavily-discounted premium, but the main thing to remember is that discounts are taken off one after another.

Getting An Esurance Auto Insurance Quote

It’s easy to request a quote from Esurance either online or over the phone. The Coverage Counselor can give you an idea of which policy options you’d like to choose. You can then save them for later or continue on with a quote online. While you’re getting a quote from Esurance, you can compare quotes from other major companies at the same time. You can also use the tool below to compare quotes from a larger variety of companies.

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Esurance Reviews

Esurance has an A- rating from the Better Business Bureau. The company also came in first place on the J.D. Power 2019 U.S. Auto Insurance StudySM for the region of California and ranked fairly well in the same study in 2020. The study asked over 40,000 auto insurance customers to rank companies based on things like price, interaction, billing processes, and coverage options.

Since it’s a mobile-focused company, it’s also useful to look at the company’s app ratings. Esurance’s main app has 4.8 stars on the App Store and over 160,000 ratings. On Google Play, it has a 4.5 rating with over 11,000 reviews.

To file a claim with the auto insurance company, just take a few photos of the damage with your phone and upload those to the claims section of the app. If it’s a simple claim, Esurance may even send payment within a day as well. If the situation is more complex, you’ll schedule a time to meet with an adjuster.

Positive Esurance Reviews

“I could not be happier with an insurance company than I am with Esurance. [It has] great rates and service[s] like that. And at over 50, I’ve been with a few providers, so I know a thing or two.”

-Heartland via Trustpilot

I called, and they told me someone would contact me within 24-48 hours to set up an appointment to assess the damage…The adjuster came out, and I got an email from the company the next day with what the insurance company was willing to pay out on the claim. Two days later, the money was directly deposited into my bank account. [It was an] extremely easy and straightforward process.

-Liz via BBB

Negative Esurance Reviews

“If I could put zero stars, I would! They don’t have any policy for forgiving just one accident in 25 years of driving and want to increase my premiums by 100%! That is insane.”

-Tiffany S. via BBB

“I am hoping the Esurance product is not as bad as their DriveSense App and their customer service. My complaints have fallen on deaf ears. All I get is incompetent phone support people who think they are dealing with a total idiot. All they try to do is sweep the problems under the rug.”

-Thukbir M. via BBB

While reviews are mixed depending on where you look, it seems like most Esurance customers are happy with the company’s customer service overall.

Esurance Tech, Apps, And Extras

Since Esurance is an online-only car insurance provider, you’d expect the company to excel in its tech offerings. In fact, it does. Here are the apps and extra services you can get with Esurance auto insurance:

  • Coverage Counselor®: This online service helps you choose what insurance coverages you need based on a few questions, and it shows you plan options before you submit a quote. It’s available on the Esurance website.
  • Esurance mobile app: You can submit claims, manage vehicles, view your insurance card, and more from Esurance’s main mobile app.
  • DriveSense app: This app is Esurance’s data collector for its usage-based discounts. The app will give your driving a score and let you know if you need improvement. People who don’t have Esurance auto insurance can still use the app to see how they drive. It’s available in 35 states.
  • Fuelcaster online tool: This tool helps people find cheap gas. It shows gas prices in your area, plus it tells you if you should buy now or wait for prices to go down in the next 24 hours. It’s free and available for anyone to use.
  • E-star® facilities: Esurance endorses about 1,400 state-of-the-art repair shops across the United States, which it calls E-Star facilities. If you go to an E-Star facility for repairs, those repairs are guaranteed for as long as you own the car. E-Star facilities also send out text and email updates to keep you in the loop.

Our Take On Esurance Auto Insurance: 4.0 Stars

We rated Esurance 4.0 out of 5.0 stars. Its safe driving discount and user-friendly mobile app make it a reputable choice for tech-savvy drivers, but it may not be the best choice if you’re on a tight budget. Overall, if you have any tickets on your record, or if you aren’t that into mobile apps, we think there are better choices available.

Pros Available in 43 states Superior financial strength from AM Best and A- rating from the BBB Multiple apps and online account management tools
Cons High rates on average Cannot meet with agents in person Mixed customer reviews

Our Top Recommendations

If you use Esurance’s quote comparison tool, you’ll probably see quotes from the companies below, too. These three providers all earned 4.6 out of 5 stars in our review of the industry’s best car insurance companies, and we think you will find great coverage with any of them.

Geico: Best Overall

Geico is also another great company to check out. While it doesn’t have the same app functionality as Esurance – its DriveEasy app is only available in a few states – many people find more affordable insurance rates through Geico than Esurance. In our Geico reviews, we evaluated the company and how it compares to competitors. See our Esurance vs Geico review to learn more about how these providers compare

Progressive: Best For High-Risk Drivers

Progressive is one of Esurance’s main competitors, and it offers similar tech with Snapshot, the Name Your Price® tool, and its mobile app. Plus, it tends to be a bit cheaper than Esurance. If you’re interested in learning more about Progressive, check out our review of Progressive auto insurance.

State Farm: Best For Students

State Farm is a good choice if you want the personal touch of working with an agent. State Farm is the largest car insurance company in the U.S. and offers a wide range of coverage options. To learn more about State Farm, read our team’s State Farm insurance review.

Use the tool below to start comparing your free quotes:

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Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.