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Esurance Car Insurance Review


Rating: 9.2 / 10 (Excellent)
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Esurance by Allstate, the oldest publically held personal lines insurer in the nation with over 80 years of experience in the industry, offers reliable insurance products and the latest management tools to help customers enroll and keep track of savings. The company provides auto, motorcycle, home, and renters insurance options both online and over the phone.

How is Esurance rated?

Breakdown

9/10
Coverage & Benefits
9/10
Pricing and Discounts
9/10
Financial Strength
10/10
Customer Experience

Overall Rating: 9.2 / 10 (Excellent)

As part of the Allstate family, Esurance offers competitively-priced auto insurance coverages with incredible savings opportunities through a comprehensive list of discounts. Those interested in additional savings based on their good driving habits may find Esurance's DriveSense program, an app-based monitoring system, a convenient and easy-to-use tool that could significantly reduce premium costs. Overall, Esurance seems to be a solid competitor in the auto insurance market, with an attractive offer and plenty of additional perks for savvy, responsible drivers.

Esurance Coverage

Basic Coverage

  • Bodily Injury Liability
  • Property Damage Liability
  • Collision
  • Comprehensive
  • Personal Injury
  • Medical Payments
  • Uninsured/Underinsured Motorist

Additional Coverage

  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System

Coverage & Benefits - 9 / 10

Esurance auto insurance coverages offer liability, vehicle-based, and medical auto insurance protection. Their medical coverage includes personal injury protection and medical and funeral services payments, while their vehicle coverages include comprehensive, collision, emergency roadside service, car rental reimbursement, customized parts and equipment, and loan/lease gap coverage. Their liability coverages are standard, with protection against bodily injuries and uninsured or underinsured motorists.

Customer Experience

Customer Ratings

Trust Pilot Rating
6.1 out of 10
BBB Rating
A-
Number of BBB Positive Reviews
2
Number of BBB Neutral Reviews
4
Number of BBB Negative Reviews
143
Date Collected
2008-10-16

Customer Experience - 10 / 10

Allstate holds a BBB rating of A- with a composite score of 3.27 out of 5 stars based on 149, mostly negative, customer reviews. While Esurance received the J.D. Power award for highest customer satisfaction among auto insurers in California, the company itself received a 2 out of 5 for overall customer satisfaction according to the agency's 2016 U.S. Auto Insurance Claims and Satisfaction Study. Despite negative customer feedback, most of which have been due to problems with their products or services, Esurance had a complaint ratio of 1.01 for private passenger auto insurance in 2016 as reported by the NAICS, which is up to par with the national median.

J.D. Power 2016 Auto Insurance Study

JD Power Overall Satisfaction Score
2 out of 5 (The Rest)
First Notice of Loss
2 out of 5 (The Rest)
Service Interaction
3 out of 5 (About Average)
Appraisal
2 out of 5 (The Rest)
Repair Process
2 out of 5 (The Rest)
Rental Car Experience
2 out of 5 (The Rest)
Settlement
3 out of 5 (About Average)

National Association of Insurance Commissioners

NAICS Complaint Ratio 2016
1.01
NAICS Total Complaints 2016
336
*The NAICS Car Insurance complaint ratio (in this case 1.01) is a ratio of the number of complaints a company received to the its total premiums written in a calendar year. The median complaint ratio across all Car Insurance companies is 1. A score below 1 means the company received fewer than average complaints. A score above 1 means the company received a higher number of complaints than average.

Financial Strength

Key Details

Underwriter
Allstate Corporation
Premiums Written 2016
$20,813,857,600
Marketshare 2016
9.72%
AM Best Financial Rating
a-
Moody's Financial Rating
A3
Standard & Poor's Financial Rating
A-

Financial Strength - 9 / 10

Esurance policies are backed by Allstate's superior financial strength and creditworthiness. Allstate, which owns Esurance as of May 0f 2011, holds A ratings with leading credit rating agencies, including an A- with Standard & Poor's, an A3 with Moody's, and an a- with A.M. Best. According to the National Association of Insurance Commissioners, Allstate Corporation was the third-largest private passenger auto insurer by market share in 2016 and remains the second-largest personal lines insurer in the United States.
*The above information reflects the financial strength of the underwriter of the Esurance car insurance policies: Allstate Corporation.

Pricing & Discounts

Per Mile Pricing Available?

Discounts

  • Multiple Vehicle
  • Safe Driver
  • Anti-Theft
  • Vehicle Safety
  • Homeowner
  • Student
  • Bundled Policy

Additional Discounts

  • Full/Automatic Payment

Pricing and Discounts - 9 / 10

Esurance offers a variety of discounts not typically offered by other auto insurers, including a %5 discount for those who start their auto insurance quote online, additional savings for new customers who change their auto insurance to Esurance, a discount for students attending Pack-12 schools, discounts for renters bundling their policies with auto coverage or those who purchase emergency road assistance coverage, and further savings opportunities for clients who enroll in their DriveSense program or complete a defensive driving course. Like other leading auto insurers, Esurance offers extensive discounts rewarding responsible drivers, good students, and returning customers.

Contact & Additional Information

Homepage URL
Company Phone
(800) 378-7262
Headquarters Address
650 Davis Street, San Francisco, CA, 94111
Mailing Address
P.O. Box 5250, Sioux Falls, SD, 57117
Year Founded
1931

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