AutoInsurance.com
Published: May 30, 2019Last updated: October 18, 2022

Esurance Car Insurance Pricing

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.

Car Insurance Rates

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:

  • Location: Cities and states that have higher rates of accidents will be more expensive for car insurance than places with fewer accidents. Expect to pay more if you live in an urban area as opposed to a suburban or rural area. Similarly, all 50 states have different car insurance costs based on the required coverage options, according to data from the National Association of Insurance Commissioners.
  • Age: Insurance companies will give better rates to someone with 20 years of driving experience compared to someone with two years of experience, as long as all other factors remain equal. For example, if you add a teen driver to your policy, your rates could shoot up to $7,179.
  • Driving history: Accidents and tickets increase premiums. While someone with a clean record will pay $2,146 for full coverage from Esurance, a speeding ticket will increase that cost to $2,415, and an at-fault accident to $3,443.

CheckTIP

Keep your credit score up to get the best possible rate on your insurance policy. However, your credit score can’t affect your premiums in California, Michigan, Hawaii, and Massachusetts.

Find your exact rate by getting an insurance quote from Esurance.

Discounts

  • Multipolicy: When you have more than one policy with Esurance, you can get a discount of up to 10 percent.
  • Homeowners and renters insurance discount: Receive up to 30 percent off of your premium if you bundle your homeowners or renters policy with auto insurance through Esurance.
  • Safe driving: Esurance uses a safe driving monitoring platform called DriveSense. When you sign up to track your driving habits, you can save up to 10 percent on your premiums.
  • Vehicle equipment: You’ll qualify for a discount if your vehicle has an alarm system, safety device, anti-lock brakes, or daytime running lamps.
  • Good driver discount: If you have accumulated zero points on your driving record over the past three years, you could be eligible for up to 40 percent in savings.
  • Claims-free discount: This discount varies by state, but generally, Esurance applies it when all household drivers are claims-free for at least five years and at least one driver has a minimum of five years of driving experience. Discounts can be up to 25 percent, depending on location.
  • Defensive driver discount: Older drivers who complete and pass defensive driver training courses may be eligible for up to 10 percent off their premiums for up to three years.
  • Pac-12 discount: Students and alums of Pac-12 schools can save up to 15 percent on insurance costs. These are the Pac-12 schools:
    • Arizona State University
    • Oregon State University
    • Stanford University
    • University of Arizona
    • University of California Berkeley
    • University of California Los Angeles
    • University of Colorado Boulder
    • University of Oregon
    • University of Southern California
    • University of Utah
    • University of Washington
    • Washington State University
  • Emergency roadside assistance: If you have a third-party roadside assistance plan such as AAA, you can get up to 5 percent off of your policy’s premium.
  • Fast-five discount: When you get a quote and then buy a policy online, you can get 5 percent off of your first term’s premium.
  • Switch-and-save discount: Switch from another provider without having a gap in insurance and get up to 5 percent off in most states. This discount applies to your first policy term.
  • Paid-in-full discount: Pay your policy in full to receive up to 10 percent off of your premium.

Favorite Features

Esurance Mobile App

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.

ShareSmart Coverage

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.

Discount for Switching

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.

SR-22 Filing

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:

  • They have a driving under the influence (DUI) ticket.
  • They have a suspended or revoked license.
  • They have been caught driving without insurance.
  • They have received many tickets in a short period of time.

Esurance will file an SR-22 with your state’s Department of Motor Vehicles on your behalf.

Availability

Esurance is available in 43 states across the country. It is not available in the following areas:

  • Alaska
  • Delaware
  • Hawaii
  • Montana
  • New Hampshire
  • Vermont
  • Washington, D.C.
  • Wyoming

Cancellation Policy

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.

CheckTIP

Never cancel your policy before you have other coverage in place. Most states require insurance by law, and you don’t want to be caught in a claim without insurance.

Company Background

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.

KEY TAKEAWAY

Insurtech is a series of insurance technologies designed to streamline processes and save insurance companies money2.

Esurance Contact Information

Method Contact information
Phone 800-378-7262
Email https://www.esurance.com/contact-email
Facebook and Twitter @Esurance
Mailing address Esurance Customer Service
C/O Allstate Insurance Company
P.O. Box 660637
Dallas, TX 75266-0637

Conclusion

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.

Frequently Asked Questions

How long does it take Esurance to pay claims?

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.

How do you change an Esurance minimum coverage policy to a full coverage policy?

  1. Log into your policy: https://www.esurance.com/customer-login.
  2. Select Coverage Details.
  3. Select Edit Coverages.
  4. Add the comprehensive, collision coverage and medical payments you want to include in your policy.
  5. If you’d prefer, call the customer service line at 800-378-7262 to upgrade your policy.

How do you add a driver to an Esurance policy?

  1. Call customer service at 800-378-7262.
  2. Talk to an agent and give them the driver’s details.
  3. Get the re-quote of the policy based on the new driver’s information.

Who is the Esurance voice?

John Krasinski is the current voice of Esurance ads.

Citations

  1. 2018/2019 Auto Insurance Database Report. NAIC. (2022).
    https://content.naic.org/sites/default/files/publication-aut-pb-auto-insurance-database.pdf

  2. Background on: Insurtech. III. (2022).
    https://www.iii.org/main-responsive/insurtech#