finder.com's rating: 4.5 / 5
★★★★★
- Get a quote if you want cheap rates and a convenient online experience.
- Pick something else if you want to avoid autopay and cancellation fees.
- Offers some of the cheapest rates around to safe drivers
Esurance isn't available on Finder right now.
Check out comprehensive coverage and its app that customers love. But it's an online-focused service.
Committed to a tech-savvy approach, Esurance sells car and home insurance online and by phone. This insurance company is respected for its reasonable rates and excellent online tools, and it’s backed by Allstate’s strong finances. Esurance also offers a suite of coverage and discounts to boost customer’s protection for less.
However, you won’t have access to local agents, and you could face steep cancellation fees if you leave Esurance before your contract ends. The company also keeps its customer service primarily online, using an intuitive website and app to manage your account or file claims.
The online convenience is a plus for many drivers but a downside for those wanting more personal service. If that’s you, consider other car insurance companies with the services and coverage to match your needs.
Otherwise, Esurance is a solid option if you prefer low rates and self-managed policies. Eventually, it may merge with the Allstate brand, although you can still get quotes through the Esurance website as of 2022.
finder.com's rating: 4.5 / 5
★★★★★
States served | Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin |
Roadside assistance | Included free |
Accident forgiveness | No |
New car protection | Yes |
Pay schedule | 12 months, monthly |
Claims methods | Online, Phone, In-person |
Rideshare coverage | Yes |
SR-22 support | Yes |
Anti-theft device discount | Yes |
Bundling discount | Yes |
Defensive driving discount | Yes |
Good student discount | Yes |
Loyalty discount | Yes |
Homeowner discount | Yes |
Military discount | Yes |
Safety device discount | Yes |
Special employment discount | No |
Usage-based discount | No |
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To get an idea of how much you’ll pay, check out the sample monthly rates that we sourced for Esurance’s car insurance policy.
California | New York | Georgia | |
---|---|---|---|
18 year old male | $1,057 | $8,585 | $3,283 |
18 year old female | $1,035 | $7,665 | $2,566 |
25 year old male | $473 | $3,625 | $1,014 |
25 year old female | $466 | $3,407 | $859 |
35 year old male | $340 | $2,423 | $548 |
35 year old female | $335 | $2,926 | $563 |
45 year old male | $333 | $2,423 | $548 |
45 year old female | $334 | $2,937 | $587 |
56 year old male | $314 | $2,220 | $505 |
56 year old female | $311 | $2,433 | $488 |
To determine our estimated cost, we aggregated quotes from insurance companies using this profile:
Getting coverage takes minutes online, or you can call to speak with a rep at 800-378-7262. To start your online quote:
Esurance offers a ton of discounts to help bring down the cost of your policy — and you’ll save big if you don’t have many violations in your driving history.
This online-focused company offers several add-ons to boost your insurance protection.
While Esurance is not officially accredited on the Better Business Bureau website, it does hold an A- rating as of 2022. However, there’s no shortage of customer complaints. Of over 30 customer reviews, most are negative — and that’s not counting over 400 customer complaints in the last three years.
Customers report issues with unexpected rate increases and billing charges, unwanted robo-calls after getting a quote and slow claims handling.
However, Esurance receives a rating of 1.05 on the National Association of Insurance Commissioners (NAIC) complaint index for private auto insurance. Since the industry standard is 1.00, Esurance’s rating shows that it sees an average number of customer complaints filed with the NAIC.
Esurance also ranked above average in the 2020 J.D. Power Auto Insurance Satisfaction Study for California, though it was below the region’s average in Florida.
Finder’s car insurance experts rate Esurance above average because of its wide coverage options, strong finances and long list of available discounts. However, its average customer service ratings pulled down its overall rating.
Check out other policies from a variety of companies to compare with Esurance. When you’re ready, select Get quotes to see your customized rate.
Allstate absorbed the Esurance brand and merged it with the Allstate parent company in 2020. However, you can still get quotes through the Esurance website, though you’ll see Allstate’s branding.
Esurance offers a full suite of auto insurance policies and a number of tools to help you find the coverage that’s right for you.
You might like Esurance’s intuitive self-service tools available online and in the app, along with its low prices. But you won’t get a dedicated local agent for a personalized experience here.
Pros
Cons
There are a number of ways you can reach Esurance, but you can start by visiting the Esurance website. Other ways you can get in touch include:
What other types of insurance does Esurance offer?
Beyond car insurance, Esurance also directly offers homeowners insurance.
Also, go through Esurance to buy other types of protection with partnered insurers. Policy types include:
How do I file a claim with Esurance?
File a claim with Esurance online, through the app or on the phone. Here are the details:
Online:
Mobile app:
Filing a claim through the mobile app can help speed up the claims process, and it’s easier than filing online.
By phone:
Esurance also offers a 24/7 claims and customer service line for those who would rather file a claim over the phone. Speak with a representative by calling 800-378-7262.
Regardless of how you file your claim, you’ll need to provide:
How do I opt out of automatic payments with Esurance?
Autopay is required for all Esurance customers. But if you contact a representative you can adjust your future billing date.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.
We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.
Roslyn Finder
Publisher
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