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Esurance Car Insurance Review

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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.
 
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How is Esurance rated?

Breakdown

4.5/5
Coverage
5.0/5
Financial Strength
0.0/5
Supplemental Coverage
4.5/5
Pricing & Discounts
5.0/5
Claims Satisfaction & Customer Experience
4.5/5
Automation

Overall Rating: 4.5 / 5 (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 - 4.5 / 5

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.

Coverage Fine Print

Mobile App Loan/lease gap coverage - Can help bridge the divide between your totaled car's actual cash value and what you still owe to the lender.

Customer Experience

National Association of Insurance Commissioners

NAIC Complaint Ratio
1.79
NAIC Total Complaints 2020
60

Customer Ratings

Trust Pilot Rating
5.4 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
2018-12-11
*The NAIC Car Insurance complaint ratio (in this case 1.79) compares a company’s performance to other companies in the market. The median complaint ratio across all car insurance companies is 1. A score below 1 means the company received fewer than the expected number of complaints. A score above 1 means the company received a more than the expected number of complaints.

Claims Satisfaction & Customer Experience - 5 / 5

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. Despite negative customer feedback, most of which have been due to problems with their products or services, Esurance had a complaint ratio of 1.79 for private passenger auto insurance in 2018 as reported by the NAIC, which is a bit higher than the national median.

Financial Strength

Key Details

Underwriter
Allstate Corporation
Premiums Written 2020
$31,501,664,285
Marketshare
9.73%
AM Best Financial Rating
a-
Moody's Financial Rating
Aa3
Standard & Poor's Financial Rating
A-

Financial Strength - 5 / 5

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 Aa3 with Moody's, and an a- with A.M. Best.

According to the National Association of Insurance Commissioners, Allstate Corporation was the fourth-largest private passenger auto insurer by market share in 2018 and remains the third-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 & Discounts - 4.5 / 5

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 Pac-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.

Discounts Fine Print

Fast 5 discount - Up to 5% off your first-term premium by starting your quote online. Switch & Save - 5% off your premium in most states by switching to Esurance from another insurance company. Pac-12 discount - Attend a Pac-12 school and save up to 15% on your premium. Online Shopper discount - Discounts available for Illinois, Utah, and Virginia drivers. Renters Plus discount - Discounts for adding Esurance renters coverage to your existing auto policy. Emergency Road Assistance - Buy emergency road assistance coverage and save up to 5% on your premium. DriveSense discount - Select the discount during your online quote. After purchasing your policy, download the DriveSense mobile app, log in, and start saving. You'll automatically save 5% just by signing up and get personalized discounts based on your driving habits. Defensive Driver discount - Applies to older drivers (age 50, 55, or 60 and older) who have completed a defensive driving or driver improvement class approved by their state's DMV. The program is available in four states and could help you save up to 10% off certain coverages.

Contact & Additional Information

Homepage URL
https://www.esurance.com/
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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Customer Comments & Reviews

Loading Reviews ...
M
Margaret A
6/23/2019
So far I am satisfied, a bit pricey but very fast to route you for your car repairs. I have the bad luck of always getting my cars punched while I am in parking lot shopping or even parked in my apartment community. Sorry but I am not driving my car with fenders , door dents side swiping. They were fast to pay my car repair.

Shelly G
3/2/2019
I purchased Esurance because I like the financial model of limiting your overhead as it relates to insurance. Quantitative analysis can do most of the heavy lifting these days. That said, I can't remember the last time I needed to file a claim. We had a simple comprehensive claim that would've been resolved in a few days. Instead the implication that I couldn't use my coverage because I couldn't verify there was road debris is simply bad service. They transferred the claim expenses back to our family only a few days after we paid a very pricey premium for the type of vehicle I own while they "look into it." Huh? The minute a service provide fails to live up to their obligations in... Read More

P
Pamela P
12/4/2018
I just started with Esurance and have saved a bundle. I was with the same agent at State Farm for decades, but it didn't save me a dime, although she was very capable and personable. Esurance was easy to secure and the agent and I got along great. (That's important when I'm signing my life away. )

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