Allstate vs. Esurance

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Allstate or Esurance: Which Company is Best for You?

July 31, 2018

Allstate and Esurance are among the largest car insurance providers in the US. Both companies maintain A+ financial strength ratings with AM Best, offer competitive rates and discounts, and 24/7 customer service and claims reporting.

Discount Comparison Allstate Esurance
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings Comparison Allstate Esurance
Financial Strength Question mark icon Excellent Superior
JD Power Rankings Question mark icon Average N/A
User Satisfaction Question mark icon 4.3/5 4.3/5
Other Products Allstate Esurance
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other Features Allstate Esurance
About Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today. From car insurance to homeowners, motorcycle, and renters coverage, Esurance will be there for you from quote to claim with lightning-fast claims and proven financial strength.
Roadside Assistance Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). Esurance's Emergency Roadside Service will pay up to $75 towards roadside services including towing assistance, tire changes, gas, oil, and water delivery, battery service and lockout service. You may need to have comprehensive and collision coverage as a prerequisite to add this coverage to your policy.
Additional Discounts Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired. Esurance offers an additional discount for customers who have obtained emergency road assistance from a provider other than Esurance (such as AAA or the National Automobile Club).
Recent Questions Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
What should I do if I cancelled my insurance policy but the company drafted money out of my account afterward?
While I can't say with a certainty, it sounds like you were set up for EFT (auto-draft) payments with Allstate so you didn't have to worry about calling in or mailing a payment. Unfortunately with EFT options, it may not be possible to stop a scheduled payment draft depending on when the payment is set to be withdrawn.
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Insurance increase due to increased cost of parts and labor?
There's a couple of things to look at here. First, parts and labor for BMWs are typically higher than other vehicles and are considered more expensive in general to maintain.
Can Esurance deny a refund if I forgot to cancel my policy when I switched to a new company?
This sounds like an company issue and not a state law. Insurance companies in Illinois are legally required to issue refunds for "unearned premium", but you didn't prepay your bill.
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