Esurance Insurance: Reviews, Coverage Options, and Ratings

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Esurance review for 2021

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3 Rating from The Zebra

One of the most popular insurance providers in the United States, Esurance was founded in 1999 in San Francisco, California. This insurance company provides renters, home, motorcycle, and car insurance policies. Esurance's online quoting process advertises speedy car insurance quotes and low insurance rates. Let’s explore if Esurance is a solid choice in terms of financial stability, claims satisfaction, and customer satisfaction.

Claims satisfaction (J.D. Power) — Average: Esurance earned average marks in J.D. Power's most recent survey of claims satisfaction. 

Customer satisfaction (J.D. Power) — Not rated

Financial strength — Superior: Esurance has a financial strength score of superior, according to AM Best.

NAIC Rating — Poor: Over the previous year, Esurance recorded more complaints than average via the National Association of Insurance Commissioners (NAIC).

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Esurance car insurance coverage options

Esurance provides all the basic auto insurance coverage options. Aside from liability, collision, and comprehensive coverages, Esurance has some additional products worth considering.

Emergency Road Service (ERS)

If you have comprehensive and collision coverage through Esurance, this coverage can be included as an add-on for a small additional fee. It works via the Esurance mobile app or by calling 1-888-374-6472.

ERS coverage applies if you need:

  • Towing assistance
  • Flat tire changes
  • Gas, oil, or water delivery
  • Battery jump start
  • Lockout services


Rental car coverage

This coverage is what it sounds like — it pays for rental fees if your vehicle is undrivable. The unique aspect of Esurance’s program is that it covers your rental costs if you're involved in a collision and your car ends up in the shop for repairs. Most policies will only provide coverage after an accident. In order to qualify for rental car coverage, you need to have collision and comprehensive coverages on your policy.

Rideshare coverage

If you’re a driver for Lyft or Uber, you can add rideshare coverage to your policy. This coverage would provide coverage when you’re driving as a rideshare driver. This coverage only applies when you’re working for Uber or Lyft but have not accepted a ride request yet. After this stage, your Uber or Lyft coverage applies.


Esurance discounts and reward programs

Esurance has a number of programs and rewards to help you save on your auto insurance. Below are some of their main initiatives. All insurance discounts and programs are subject to state requirements.


DriveSense is Esurance’s usage-based insurance program. Esurance uses your mobile device to track the way you drive in order to better price your policy. Avoid harsh braking, speeding, and late-night trips to save on your premiums. Esurance advertises its clients save an average of $100 per policy via DriveSense.

Fast 5 discount

This discount provides an automatic 5% off your first policy with Esurance.

Multi-policy discount

By carrying more than one line of insurance with Esurance, you can earn a multi-policy discount. Below are some possible combinations for which you can receive discounts.

This discount applies to each policy maintained with Esurance:

Paid in full

If you’re able to pay for your premium up from, you could save up to 10% on your premium.

Multi-car discount

If you insure more than one vehicle via Esurance, you can earn this discount.

Claim-free discount

You can earn this discount if all drivers on the policy have been claim- and DUI/DWI-free for at least five years and the driver listed on the policy has at least five years of driving experience.

Homeowners discount

If you’re a homeowner, you automatically get a discount with Esurance.

Renters Plus discount

If you have a renters policy with Esurance, you can earn this Renters Plus discount. While it can vary, Esurance advertises you can earn 30% of your renters premium discounted from your auto insurance.

Emergency road assistance discount

If you have a AAA membership or another type of emergency roadside assistance, you can earn a 5% discount on your auto premium.

Online shopper discount

If you buy your Esurance policy online, you can earn a small discount.

Good driver discount

If you have a valid driver’s license for three years and no more than one point on your driving record, you can earn as much as 30 to 40% off your premium.

Good student discount

This discount will earn you up to 10% on your liability, collision, and medical payments coverage. In order to qualify for this discount, you or another motorist on your policy needs to be:

  • Full-time student
  • Under 25 years old
  • 3.0 GPA or better

Defensive driver discount

The specifics of this discount can vary by state. Usually, you need to be 50 years or older and have taken an approved defensive driving course. If you’re in New York, New Jersey, Georgia, and Oklahoma, your age is irrelevant.

Discounts based on your vehicle’s safety features:

  • Safety device discount
  • Anti-theft discount
  • Anti-lock brakes discount

Additional lines of insurance from Esurance

Esurance offers the following lines of insurance, which may be convenient for bundling with your auto policy if you need more than just a car insurance policy.


Is Esurance auto insurance a good choice?

Backed by parent company Allstate, Esurance sells home, auto, renters, and motorcycle insurance throughout the US. The company offers an array of discounts and savings programs in order to provide affordable premiums. Esurance's DriveSense telematics program rewards safe driving habits with as much as $100 in savings for policyholders.

The only aspect about Esurance we didn’t specifically cover was the price. Car insurance rates are influenced by a variety of factors: your location, your vehicle, your age, and your driving history. The best way to know if Esurance is the cheapest company for you is to get a quote. Enter your ZIP code below to see rates from Esurance and other auto insurance companies.

Compare Esurance with other companies online today.

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Ava Lynch
Ava LynchSenior Analyst

Ava worked in the insurance industry as an agent for four-plus years.

Ava currently provides insights and data analysis as one of The Zebra's property and casualty insurance experts. Her work has been featured in publications such as U.S. News & World Report, GasBuddy, Car and Driver, and Yahoo! Finance.

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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