Esurance Auto Insurance Review [2022]
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states.
After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in…
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Written by
Rachael Brennan
Licensed Insurance Agent
Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.
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Reviewed by
Benji Carr
Former Licensed Life Insurance Agent
UPDATED: Jan 10, 2022
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Quick Facts
Esurance provides auto insurance to customers online
Esurance offers standard car insurance policies
Esurance has been rated an A+ by A.M. Best
Esurance is a subsidiary of Allstate, which sells different types of term life insurance and auto coverage. The company has competitive rates, provides the standard car insurance options, and is rated an A+ by A.M. Best. Discovering more about Esurance auto insurance will help you decide if the company is a good fit.
Before jumping into this Esurance auto insurance review, enter your ZIP code to get free car insurance quotes in your area.
Does Esurance auto insurance have competitive rates?
The cost of auto insurance is often a determining factor when choosing a company. Various factors determine the cost of coverage, so rates differ from person to person. Some of the factors that impact car insurance rates include:
Age
Gender
Driving history
Location
Type of car
It’s impossible to accurately estimate the cost of coverage without considering all of these factors. However, looking at average rates from multiple companies will provide a good idea of the cheapest option. The following chart shows the average annual full coverage rates for a 42-year-old male from Esurance and some of the most popular competitors.
Esurance Auto Insurance Average Annual Full Coverage Rates vs. Other Companies for a 42-Year-Old Male
CompanyAverage Annual Full Coverage Rates for a 42-Year Old Male
Esurance$2,432
GEICO$1.618
Progressive$1,787
State Farm$4,847
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As you can see, affordable Esurance auto insurance rates are higher than GEICO and Progressive but lower than State Farm. However, since rates depend on various factors, the cheapest option could be different depending on your circumstances.
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What coverages are available from Esurance auto insurance?
Auto insurance companies sell coverage individually. Customers can buy as much coverage as they consider necessary. However, most states require a certain amount of insurance to operate a vehicle legally.
Since companies sell car insurance individually, you can’t buy a single plan that includes all coverages. However, purchasing each of the typical types of insurance is known as full coverage.
Knowing the different types of coverage offered by a company will help you determine if they have the right car insurance for you. The following table shows the standard insurance options provided by Esurance.
Esurance Auto Insurance Coverages
Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.
Medical expensesCovers medical costs caused by an accident regardless of who is at fault.
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In addition to these common coverages, Esurance provides some additional options. Adding these coverages to your policy provides extra protection should you get into an accident. These optional coverages include:
GAP coverage: Pays the difference between the amount owed and the value of your car.
ShareSmart: Car insurance for rideshare drivers, like Uber and Lyft.
Esurance also offers roadside assistance, providing help if you have car trouble. This assistance is available 24 hours a day and pays up to $75 per incident. Customers that add this type of coverage can receive support that includes:
Towing
Tire change
Gas, oil, and water delivery
Battery services
Lockout service
Esurance provides complimentary roadside assistance with policies that include comprehensive and collision coverage. However, adding it to a policy without these coverages will increase Esurance auto insurance quotes.
Esurance only provides car, renters, home, and motorcycle insurance coverage. However, you can find other types of insurance, such as term and permanent life insurance, from its parent company, Allstate.
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What discounts are available from Esurance auto insurance?
For some drivers, auto insurance can be expensive. However, most auto insurance companies offer several discounts. Combining multiple saving opportunities will lower your rates to a more reasonable level.
Knowing the Esurance auto insurance company discounts will help you determine how much you can save. The following table shows the various deals offered by Esurance.
Esurance Auto Insurance Discounts
Auto DiscountDiscount Eligibility
Affinity groupMembers of an affinity group, such as a professional group or alumni association.
Anti-theftVehicle has an anti-theft device installed.
Claim freeAll drivers on the policy remain claim and DUI-free for at least five years.
Fast 5Start a quote online.
HomeownersInsured owns a home.
Good driverHave a valid driver’s license for at least three years and no more than one point on your license.
Good studentHigh school and college students that maintain a 3.0 grade point average or better.
Multi-carInsure more than one vehicle with Esurance.
Multi-policyCarrying more than one type of insurance with Esurance.
On-time paymentCustomers pay their bill on time.
Paid in fullPay for your whole policy in one payment.
Switch and saveSwitch from current insurer to Esurance.
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When you buy Esurance auto insurance, ask about all available discounts. The representative will help you discover which saving opportunities you’re eligible for, allowing you to get the best rates possible.
How is Esurance auto insurance rated?
Insurance companies are regularly reviewed and rated by credit rating agencies. These financial ratings indicate the likelihood that a company will provide a payout when customers file a claim.
Esurance has been rated an A+ by A.M. Best, the most trusted rating agency. This rating is at the top of the agency’s scale and indicates that Esurance customers will receive a payout whenever they file a claim.
Additionally, the Better Business Bureau (BBB) has rated Esurance an A- rating, indicating that the company is transparent and trustworthy when dealing with customers.
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Does Esurance auto insurance have any complaints?
The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) examine complaints made about insurance companies. Both organizations have completed Esurance auto insurance reviews.
At the time of this review, the BBB has received 372 complaints about Esurance in the past three years. The vast majority of these complaints have been about the products and services provided by the company.
According to the NAIC, Esurance has a complaint index ratio of 2.94. This ratio indicates that the company has nearly triple the number of complaints than a competitor of a similar size.
How do you file an Esurance auto insurance claim?
Esurance customers can file claims online, by phone, or through the company’s mobile app. The best way to file a claim depends on your preferred method of communication.
Customers can make online claims using their Esurance login to enter the customer portal. Additionally, those not customers of Esurance can view if an Esurance customer has filed a claim.
Customers that prefer to file a claim by phone can do so by calling the Esurance auto insurance phone number at 1-800-378-7262. A representative will guide you through the claims process and ensure that the company has all the necessary information.
A unique feature of Esurance is the ability to file claims through the company’s mobile app. In addition to reporting an incident, customers can submit any photos or other evidence with any mobile device.
After filing the claim, a representative will contact you within 24 hours of the filing. They will schedule a vehicle inspection, assess the damage, and provide a payout estimate.
How can you make Esurance auto insurance payments?
Esurance customers can make policy payments online or through the company’s mobile app. The website also has a quick pay function, making the payment process quicker and easier. Currently, Esurance payments can be made in most states by:
Checking account
Savings account
Credit card
Debit card
Currently, the company only allows customers to make payments by entering information on the website or mobile app. In most cases, your account is charged automatically on an agreed-upon date.
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How can you cancel an Esurance auto insurance policy?
Esurance customers must call the company to cancel a policy. The company currently doesn’t allow customers to cancel a policy online or through the mobile app.
If the cancellation occurs before the end of the current term, it will likely result in an early cancellation fee. This penalty is 10% of the remaining balance or between $40 and $50. However, the company will refund payments on a prorated basis.
What is the history of Esurance auto insurance?
Esurance was founded in 1999 in San Francisco, California, focusing on auto coverage. It was one of the first companies to sell insurance directly over the internet. Allstate bought the company in 2011, making it one of Allstate’s several subsidiaries.
Esurance Auto Insurance: The Bottom Line
Esurance provides auto insurance coverage to customers online. The Allstate subsidiary has competitive rates, which customers can lower by combining multiple discounts. Additionally, A.M. Best and the Better Business Bureau has rated the company well.
Learning more about Esurance auto insurance will help you determine if the company is right for you.
Now that you know about Esurance auto insurance, enter your ZIP code to find free car insurance rates in your area.
