Making it easy to get auto and motorcycle insurance online.
The company Esurance is an Allstate company that helps consumers find the right auto insurance policies through its website and phone centers. It cuts out the middleman and has a direct-to-consumer model to help save on costs. In this guide, we’ll cover Allstate Esurance pricing, discounts, and the key features we like about the company.
The average annual price of an Esurance policy is $1,724. Your actual price will depend on a host of factors including location, driving history, age, and the car you drive. Rates will also vary depending on whether you have full coverage or minimum coverage; average rates for minimum coverage are $991, while full coverage costs $2,146. Additions like rental car coverage will cost more, although you could save money if you end up filing a claim.
Let’s look at some examples of how different factors can affect your rate:
Find your exact rate by getting an insurance quote from Esurance.
Get the details you need beyond price so that you can make an educated decision about your insurance. Read our Esurance review.
The Esurance mobile app makes accessing your insurance account and demonstrating proof of insurance quick and easy. You’ll have your ID cards with you at all times and can maintain your policies in the app directly. Pay your bill or make policy updates at any time within the app.
The mobile app, available for Android and iOS devices, has a 4.4-star rating in the Google Play store and a 4.8-star rating in the Apple store. Customers are happy with how the app works, rating it as intuitive to use with few problems loading.
Because rideshare insurance through rideshare companies only covers drivers while driving to or transporting a passenger, drivers experience a gap in coverage while they’re waiting to pick up a passenger. ShareSmart coverage is an endorsement of personal auto policies that protects Uber and Lyft drivers when they are on the clock but don’t yet have a passenger.
Esurance is willing to give you a 5 percent discount to switch from another carrier. This savings applies when you show Esurance proof of existing insurance that you haven’t canceled yet. The discount is valid regardless of which carrier you were with and will apply to the first policy term.
Esurance offers SR-22 filings for drivers who need them. An SR-22 is a court-required statement of financial responsibility showing that you have the state’s minimum coverage. Most people who need SR-22s are in one of the following situations:
Esurance will file an SR-22 with your state’s Department of Motor Vehicles on your behalf.
Esurance is available in 43 states across the country. It is not available in the following areas:
Canceling your insurance policy is easy with Esurance. You may cancel at any time by calling 800-378-7262. When you cancel, Esurance will send a refund of any unearned premium remaining on the policy to you directly. Typically, it will take a couple of weeks for you to receive the refund.
Esurance was one of the first auto insurance companies to offer insurance policies entirely online. It sold its first policy in 1999 and has since grown to offer insurance products in 43 states. Currently, you can get auto, homeowners, renters, and motorcycle insurance from Esurance.
In 2011, Allstate purchased Esurance for $1 billion to further compete in the online marketplace against companies like GEICO and Progressive.
The premise of Esurance is to use technology to aid consumers in getting insurance for better prices. While the use of technology initially involved selling online exclusively, the company has grown to include a direct-to-consumer call center where you can get a quote. Regardless, technology is still at the forefront of how Esurance sells policies, using various insurtech to underwrite new policies and make the claims process easier.
Insurtech is a series of insurance technologies designed to streamline processes and save insurance companies money2.
|Facebook and Twitter||@Esurance|
|Mailing address||Esurance Customer Service
C/O Allstate Insurance Company
P.O. Box 660637
Dallas, TX 75266-0637
Esurance is a complete direct-to-consumer insurance company that is still true to its mission of saving drivers money. With an average annual policy costing $1,724, it remains a competitively priced insurance company. Learn more about Esurance by reading our Esurance auto insurance review.
It may take around 30 days for Esurance to pay out insurance claims. Cut-and-dry cases may take a considerably shorter amount of time if the policyholder admits fault and gets the car repaired quickly.
John Krasinski is the current voice of Esurance ads.
2018/2019 Auto Insurance Database Report. NAIC. (2022).
Background on: Insurtech. III. (2022).