Compare Allstate vs. Esurance Car Insurance

What’s the difference between Allstate Auto Insurance and Esurance Car Insurance? See how our editors compare the two companies below.
Last Updated: May 22, 2018
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Allstate Auto Insurance
9.3 / 10 - Excellent
#5 in Car Insurance
Esurance Car Insurance
9.2 / 10 - Excellent
#6 in Car Insurance
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Key Facts

  • Safe Driving Bonus Check - For every 6 months of accident-free driving you can earn a check from Allstate! 
  • Allstate has been in business over 80 years.
  • Drivers who switched to Allstate saved an average of $356 a year.
  • Adjustable limits and deductibles
  • Large network of local agents & strong financial ratings
  • Roadside services & Rental reimbursement
  • Wide list of discount options - Including Safe Driver, Prepaid Policy & More
  • Available nationwide 
  • Very competitive premiums
  • Manage your policy online with Esurance mobile
  • Excellent customer support services
  • Create a more personalized car insurance that meets your needs
  • Flexible payment options
  • Accident forgiveness

 


OVERALL RATINGS

 AllstateEsurance
Coverage & Benefits10/109/10
Pricing and Discounts9/109/10
Financial Strength9/109/10
Customer Experience10/1010/10

Coverage Compared

Basic Coverage

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

Additional Coverage

Allstate
vs
Esurance
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System
  • Rental Reimbursement
  • Towing & Labor Cost
  • Sound System

What do their customers think?

National Association of Insurance Commissioners

 AllstateEsurance
NAIC Complaint Ratio 2016
1.03
1.01
NAIC Total Complaints 2016
343
336
*The NAIC Car Insurance complaint ratio (in this case 1.03) 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.
*The NAIC 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.

Customer Ratings

 AllstateEsurance
BBB Rating
A-
A-
Number of BBB Positive Reviews
4
2
Number of BBB Neutral Reviews
2
4
Number of BBB Negative Reviews
134
143
Date Collected
2017-09-21
2008-10-16

Comparing Financial Stregnth

Key Details

 AllstateEsurance
Underwriter
Allstate
Allstate Corporation
Premiums Written 2016
$20,813,857,600
$20,813,857,600
Marketshare 2016
9.72%
9.72%
AM Best Financial Rating
A+
a-
Moody's Financial Rating
Aa3
A3
Standard & Poor's Financial Rating
AA-
A-
*The above information reflects the financial strength of the underwriter of the Allstate car insurance policies: Allstate.
*The above information reflects the financial strength of the underwriter of the Esurance car insurance policies: Allstate Corporation.

Pricing & Discounts

 AllstateEsurance
Per Mile Pricing Available?

Discounts

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

Additional Discounts

Allstate
vs
Esurance
  • Full/Automatic Payment
  • Full/Automatic Payment

Contact & Additional Information

 AllstateEsurance
Homepage URL
Company Phone
(877) 810-2920
(800) 378-7262
Headquarters Address
2775 Sanders Rd, Northbrook, IL, 60062
650 Davis Street, San Francisco, CA, 94111
Mailing Address
P.O. Box 660598, Dallas, TX, 75266
P.O. Box 5250, Sioux Falls, SD, 57117
Year Founded
1931
1931

Final Verdict

Allstate Auto Insurance and Esurance Car Insurance are very close in quality and have the same overall rating. That said, Allstate scores better than Esurance across: Coverage & Benefits. Whereas, Esurance scores better on Customer Experience. Both companies score similarly on Pricing and Discounts, and Financial Strength.