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Esurance is one of the first companies to offer car insurance online. Instead of providing an agent to walk you through a policy and pricing, Esurance has a user-friendly website and app that will save you time, paperwork, and money. This review will provide you with all the details of how Esurance works so you can decide if it’s a fit for you.
The Allstate-owned Esurance is an online insurance company that provides a wide range of auto insurance policies. With Esurance, you can get free online quotes, use its Coverage Counselor — an interactive tool that helps you find the right coverage for your needs and budget — and bundle policies for discounts.
That being said, the company has mixed reviews for its customer service. You should also know Esurance currently offers car insurance in every state except Alaska, Delaware, the District of Columbia, Hawaii, Montana, New Hampshire, Vermont, and Wyoming.
User-friendly website and app: Esurance’s website and app are easy to navigate to obtain a quote, manage a claim, or make a payment.
Wide variety of discounts: Esurance offers a number of discounts so customers can save on insurance.
Extensive coverage: With a vast selection of coverage options, and some bundling options, adding more coverage to your policy could help you save money.
Rideshare insurance is available: In select states — such as California, Illinois, and New Jersey — Uber and Lyft drivers can add protection to their current policies.
Mixed customer service reviews: While many customer reviews of the company, its website, and app are positive, Esurance has negative reviews for claims and customer service.
Missing local agents: If working with a local agent to discuss policies and insurance options is important to you, Esurance isn’t a good fit.
There are a variety of factors that determine auto insurance rates: including your driving record, age, credit score, and gender. However, the average annual cost for Esurance is $1,724. To find your estimate with Esurance, download its app for a quote or use the quote finder on its website.
Esurance provides auto insurance for residents in 43 states. Unfortunately, if you live in Alaska, Delaware, Washington, D.C., Hawaii, Montana, New Hampshire, Vermont, or Wyoming, you’ll have to look elsewhere for auto insurance options.
While Esurance does not have a rating with the Better Business Bureau (BBB), its parent company Allstate has an A+ rating as of July 2022. However, Esurance received 1.1 stars out of five from customer reviews as of July 2022.1 Many of the complaints were from drivers who said they couldn’t reach anyone to ask questions about their claims after an accident. However, most insurance companies have low BBB customer ratings and similar complaints.
To reach Esurance’s customer service team, send a message on the website or app, or call its customer support line at 1-800-378-7262. Representatives are available seven days a week from 6 a.m. until 12 a.m. CST.
You can use its online services to complete the following tasks:
Esurance performed close to average in the J.D. Power 2021 U.S. Auto Claims Satisfaction Study, which ranked companies based on their overall customer satisfaction with insurance options, pricing, customer interactions, and communication. Esurance ranked 11 out of 24 companies with a rating of 871 out of 1,000, which equals about the industry average.2
Since Esurance was designed for customers to purchase and manage their auto insurance policies online, you’ll find a great selection of tools and services on its mobile app. Esurance’s mobile app has a rating of 4.8 out of 5 stars from iOS users and a 4.5 from Android users.
Below are a few things we love about Esurance’s app.
If you have towing and labor coverage with Esurance and you’re stranded, just tap the icon of the tow truck on the Esurance app. You’ll get a list of local towing companies, a link to your location, and updates on the tow truck’s arrival all in the app.
In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace founded Esurance. It became known as one of the first insurance companies to sell policies to consumers online instead of using agents.
In May 2011, Allstate announced that it was purchasing Esurance. In 2019, the company announced that Esurance would be phased out in 2020; however, Allstate has not updated this information as of July 2022, and Esurance continues to sell policies.
In addition to auto insurance, Esurance provides these other types of insurance:
Esurance isn’t available in every state, and certain types of policies differ according to the state in which you reside. Find your state in the following table to see what coverage options you can take advantage of:
State | Car insurance | Homeowners insurance | Renters insurance | Motorcycle insurance |
---|---|---|---|---|
Alabama | Yes | No | Yes | No |
Alaska | No | No | No | No |
Arizona | Yes | No | No | Yes |
Arkansas | Yes | No | Yes | Yes |
California | Yes | No | No | Yes |
Colorado | Yes | No | No | No |
Connecticut | Yes | No | No | No |
Delaware | No | No | No | No |
District of Columbia | No | No | No | No |
Florida | Yes | No | No | Yes |
Georgia | Yes | No | Yes | No |
Hawaii | No | No | No | No |
Idaho | Yes | No | Yes | No |
Illinois | Yes | No | No | Yes |
Indiana | Yes | No | Yes | Yes |
Iowa | Yes | No | Yes | No |
Kansas | Yes | Yes | Yes | No |
Kentucky | Yes | No | No | No |
Louisiana | Yes | No | Yes | No |
Maine | Yes | No | No | No |
Maryland | Yes | Yes | No | Yes |
Massachusetts | Yes | No | No | No |
Michigan | Yes | Yes | No | No |
Minnesota | Yes | No | No | Yes |
Mississippi | Yes | No | No | No |
Missouri | Yes | No | No | No |
Montana | No | No | No | Yes |
Nebraska | Yes | No | Yes | No |
Nevada | Yes | No | No | No |
New Hampshire | No | No | No | No |
New Jersey | Yes | Yes | Yes | No |
New Mexico | Yes | No | No | No |
New York | Yes | Yes | No | No |
North Carolina | Yes | No | No | No |
North Dakota | Yes | No | No | No |
Ohio | Yes | No | Yes | Yes |
Oklahoma | Yes | Yes | Yes | No |
Oregon | Yes | No | No | No |
Pennsylvania | Yes | No | No | Yes |
Rhode Island | Yes | No | No | No |
South Carolina | Yes | No | No | No |
South Dakota | Yes | Yes | Yes | No |
Tennessee | Yes | No | Yes | Yes |
Texas | Yes | Yes | Yes | Yes |
Utah | Yes | No | Yes | No |
Vermont | No | No | No | No |
Virginia | Yes | No | No | Yes |
Washington | Yes | No | No | No |
West Virginia | Yes | No | Yes | No |
Wisconsin | Yes | No | Yes | Yes |
Wyoming | No | No | No | No |
If you need a different type of vehicle insured, like an ATV, classic car, boat, or a golf cart, Esurance offers coverage through Allstate. Plus, you’ll get a bundling discount.
Unfortunately, Esurance will charge a cancellation fee if you terminate service before the end of your policy. You can expect to pay a cancellation fee that is either 10 percent of your remaining premium balance or a flat fee between $30 and $50.
If you need to cancel your car insurance, call 1-800-ESURANCE (1-800-378-7262) and a customer service representative will assist you.
Technically, Esurance is not the same as Allstate, it is a subsidiary of Allstate. While Allstate owns Esurance, the companies offer different services and policies.
Allstate uses agents to assist customers with their policies and claims. Esurance does not have agents. Instead, customers use its website and app to purchase policies and manage claims.
Yes, Esurance is a real insurance company that offers auto, homeowners, renters, and motorcycle insurance. The company was founded in 1999 as one of the first companies to sell auto insurance online.
No, Esurance and GEICO are two separate auto insurance companies. While both companies have online services and apps, they are separate.
Here’s how to use the DriveSense app:
Or, download the app for Android: https://play.google.com/store/apps/details?id=com.esurance.drivesense&hl=en_US&gl=US.
Allstate Insurance. (2022). Better Business Bureau®.
https://www.bbb.org/us/il/northbrook/profile/insurance-companies/allstate-insurance-0654-12014144
Auto Insurance Claim Satisfaction Rises on Combination of Soaring Vehicle Values and Growth of Straight-Through-Processing Claims Management, J.D. Power Finds. (2021). J.D. Power.
https://www.jdpower.com/business/press-releases/2021-us-auto-claims-satisfaction-study
Allstate Corporation (The). (2022). Moody’s.
https://www.moodys.com/credit-ratings/Allstate-Corporation-The-credit-rating-600010717/reports?category=Ratings_and_Assessments_Reports_rc%7CIssuer_Reports_rc&type=Rating_Action_rc%7CAnnouncement_rc%7CAnnouncement_of_Periodic_Review_rc,Credit_Opinion_ir_rc%7CIssuer_Comment_rc%7CIssuer_Profile_rc
AM Best Rating. (2022). AM Best.
https://ratings.ambest.com/CompanyProfile.aspx?ambnum=7289&URatingId=3070794&bl=0&AltSrc=1&PPP=&AltNum=0&Ext_User=&Ext_Misc=&Portal=0&Site=