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.
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Feb 7, 2024
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 7, 2024
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.
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Esurance
Average Monthly Rate For Good Drivers
$114A.M. Best Rating:
A+Complaint Level:
LowPros
- 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
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.
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.
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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.
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 Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| 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 |
| U.S. Average | $558 | $610 | $411 | $496 |
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 Gender | Allstate | Farmers | Geico | Nationwide | Progressive | State Farm | National 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 Company | 55-Year-Old Male | 55-Year-Old Female | 60-Year-Old Male | 60-Year-Old Female | 65-Year-Old Male | 65-Year-Old Female |
|---|---|---|---|---|---|---|
| AAA | $81 | $83 | $77 | $76 | $84 | $86 |
| Allstate | $152 | $153 | $154 | $150 | $157 | $158 |
| American Family | $111 | $109 | $105 | $104 | $114 | $113 |
| 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 |
| U.S. Average | $113 | $113 | $110 | $106 | $117 | $117 |
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 Company | One Ticket | Clean 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 Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
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 Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
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
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
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 Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
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.
GEICO offers full coverage options for $800 less per year than Esurance.
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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.
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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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
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.
Brian777
0 star
Neal_in_California
CAUTION - WATCH YOU BACK
Hicham
Don't go with them
Brb40par007_
Claims are not handled properly
Therep
Very Poor Claims Service
Mick3y
RUN! DONT INSURE YOUR CAR HERE.
Dana_Whicker
VERY poor customer service and communication.
gt080845
Claims adjusters never call or respond to messages
ghfdsdfhh
horrible customer service. will cancel with no notice.
Josepi
Buyer Beware!!