Esurance Auto Insurance Review: What to Know (2024)

When it comes to buying car insurance online, Esurance was one of the first car insurance companies to begin online. Today, finding insurance quotes online is easy. But is Esurance car insurance still right for you? 

Esurance car insurance rates averaged at $114 per month, but your rates can vary based on your age and driving record. Further, the Allstate Corporation now owns Esurance and influences its pricing and product overview. So, Allstate is a good place to start if you’re shopping for Esurance quotes. 

Allstate is one of the top auto insurance companies by market share and rated “Superior” by A.M. Best. By association, Esurance also had strong financial ratings, which translated to more affordable auto insurance rates for drivers. 

Keep reading our auto insurance review to compare quotes for free and see how Esurance stacks up against other companies in your city. We will also discuss Esurance customer service reviews and recent corporate changes to help you make a well-informed financial decision about car insurance.

Esurance Company and Product Overviews – What You Need to Know

Esurance is owned by Allstate and offers many of the same insurance products, including:

• Auto insurance
• Homeowners and renters’ insurance
• Personal property protection
• Business property insurance

Allstate announced phasing out the Esurance brand, and customers are considered part of the Allstate family as of January 2020. Allstate also retired Encompass and Answer Financial to provide more competitive rates for their customers. 

However, a closer look at how Allstate compares to other car insurance companies near you will determine how competitive its rates are. Please read the Allstate company overview to learn more.

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How much does an Esurance auto insurance policy cost?

On average, drivers paid $114 per month for Esurance. But now that the company no longer exists, drivers can look at Allstate car insurance quotes for a more accurate idea of coverage costs. The table below shows how Allstate compares to the top ten companies in the country:

Average Annual Auto Insurance Rates by Company

Auto Insurance Companies	Average Annual Auto Insurance Rates
Allstate	$4,919.79
Farmers	$4,999.27
Liberty Mutual	$6,540.73
Nationwide	$3,940.25
Progressive	$4,218.00
State Farm	$3,855.75
USAA	$2,981.48

Overall, Allstate gives median car insurance rates when compared to other companies. Both State Farm and Progressive are cheaper than Allstate, and USAA offers the cheapest car insurance rates on this list, but coverage is only available to military members and their families. 

Unfortunately, Esurance once provided unbelievably cheap auto insurance as a small insurer. But rates nearly quadruple depending on your age and driving record under Allstate.

High-risk drivers always pay more for coverage, and teen and inexperienced drivers pay the most for car insurance because they’re high-risk. So, if you’re looking for the best car insurance rates for young drivers, Allstate isn’t the cheapest option. Instead, use these average rates as a base when comparing quotes for cheap auto insurance rates for inexperienced drivers:

Average Monthly Auto Insurance Rates by Age and Gender

Ages	Average Monthly Auto Insurance Rates for Females	Average Monthly Auto Insurance Rates for Males
16	$540	$615
20	$239	$282
25	$142	$149
35	$131	$130
45	$123	$122
55	$112	$115
65	$115	$119
75	$135	$141
85	$160	$171

Without Esurance available as an affordable option, shop around online for free auto insurance quotes from multiple companies. Ask about discounts and compare add-ons to find the most competitive policy.

Does Esurance offer discounts on car insurance?

Yes, Esurance automatically provided a 5% discount when buying a policy. Drivers could earn additional discounts for owning multiple vehicles and participating in the DriveSense telematics program. 

Esurance drivers can now take advantage of Allstate’s extensive list of discounts:

Available Allstate Discounts

Allstate Discounts	Percentage Saved
Anti-lock Brakes	10%
Anti-Theft	10%
Claim Free	35%
Daytime Running Lights	2%
Defensive Driver	10%
Distant Student	35%
Driver's Ed	10%
Driving Device/App	20%
Early Signing	10%
Electronic Stability Control	2%
Farm Vehicle	10%
Full Payment	10%
Good Student	20%
Green Vehicle	10%
Multiple Policies	10%
Newer Vehicle	30%
On Time Payments	5%
Paperless Documents	10%
Paperless/Auto Billing	5%
Passive Restraint	30%
Safe Driver	45%
Senior Driver	10%
Utility Vehicle	15%
Vehicle Recovery	10%

Additionally, drivers who sign up for Drivewise — Allstate’s telematics program — save 10% off their rates immediately and can save up to 25% more every six months for safe driving.

What types of car insurance policies does Esurance offer?

As a part of the Allstate brand, Esurance offered many of the same car insurance policies, including:

• Liability coverage
• Collision coverage
• Comprehensive coverage
• Uninsured motorist coverage

Customers could also upgrade Esurance car policies with roadside assistance add-ons and CarMatch rental coverage. This perk would cover a rental car comparable to your vehicle while it’s repaired after an accident. 

Under Allstate, drivers can still receive rental car reimbursement, but it won’t match your vehicle’s make and model. However, Allstate does offer additional policy options Esurance did not, including:

• Personal Injury Protection
• Medical Payments coverage
• Custom equipment coverage
• Personal umbrella coverage

As with all car insurance companies, add-ons like these will raise your rates. But a quick auto insurance comparison will help you see if these increases are affordable, and it’s likely another insurer offers more competitive rates than Allstate.

Do I need an auto insurance policy?

The short answer is yes — it’s illegal to drive without car insurance, and you need to carry an up-to-date policy or risk losing your driver’s license. No matter which auto insurance company you choose, you must maintain at least the minimum level of coverage required in your state.

You need auto insurance coverage when you register a vehicle in your state. Without valid insurance or registration, you can’t legally drive. 

Your budget and commute needs will determine when to get auto insurance. If you can’t afford car insurance, you can ask a family member or roommate to list you as a named driver on their policy.

What is needed for auto insurance? When you’re ready to buy auto insurance coverage, make sure you have the following:

• Driver’s license
• Social Security Number
• VIN and vehicle make and model

You may also be asked to provide your bank account information if you plan to make payments online or over the phone.

What are the Esurance customer service ratings?

Since insurance is an inevitable necessity for many of us, finding the right car insurance company is important. Reading customer reviews and ratings can help you decide between companies, especially if they offer similar rates and products. 

Esurance received an A- for customer service from the Better Business Bureau but was rated one out of five by customers for its poor claims response. 

It also received an NAIC ratio of 3.94, which means it receives more complaints than other companies its size. Allstate also has an extremely low NAIC score of 2.73.

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Esurance Auto Insurance Review: The Bottom Line

Esurance car insurance is no longer available from the company. Allstate bought Esurance and announced that the brand would be phased out. As of 2020, customers will no longer call the Esurance phone number to file claims, make policy changes, or buy coverage.

If you want to buy Esurance car insurance, our review finds that Allstate does not offer the most competitive rates. Esurance rates may have averaged at $114 per month, but Allstate car insurance rates are more expensive despite an extensive list of discounts. 

Car insurance can vary by location, age, and driving record. As a result, you may find more affordable auto rates with another company, especially if you’re a young driver.

Allstate does offer a Drivewise telematics program to reward safe drivers with cheaper rates, but many companies provide usage-based programs. We recommend comparing products and programs from at least three companies to determine what’s available in your area and lock in the best rates.

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