Esurance Insurance Review: Is Esurance a Good Insurance Company?
- With 3.0/5 stars in 2025, Esurance is an average insurance company.
- Read Esurance reviews, complaints and prices before you buy.
Esurance insurance: Ratings and reviews
Important note:Â
As of 2020, Allstate has dropped the Esurance brand and writes all new policies under the Allstate name alone. Current Esurance policyholders can use Allstate to manage their accounts, and all new quotes and policy inquiries will be funnelled into the Allstate system. For more information on Allstate auto policies, read our Allstate review.Â
Backed by parent company Allstate, Esurance sells home, auto, renters, and motorcycle insurance throughout the US. Esurance was founded in 1999 in San Francisco, California. Esurance's online quoting process advertises speedy car insurance quotes and low insurance rates. However, it's worth noting that at the time of this writing, it does not appear that Esurance is writing new policies. The online quote process brings users back to Allstate.
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. Let’s explore if Esurance is a solid choice in terms of financial stability, claims satisfaction, and customer satisfaction.
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Wide range of coverage options
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Plentiful discounts
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Telematics option
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Higher than average customer complaints
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Claims satisfaction not the highest
Is Esurance a good insurance company?
A large part of The Zebra's review score incorporates how well Esurance is rated in terms of customer service. In order to determine that we looked at the following third-party ratings.
Trustpilot Reviews: 1.5/5
- Esurance earned 1.5/5 stars from Trustpilot[1]
Complaint Index: Above average
- The National Association of Insurance Commissioners (NAIC) receives Above average customer complaints for Esurance[2]
Financial Strength: Superior
- Esurance received an Superior financial strength rating from A.M. Best for its ability to pay out claims[3]
The Zebra Customer Satisfaction Survey
Third party ratings are a critical component in our reviews, but we also like to include results from our own customer satisfaction survey. Feedback from real customers revealed the best auto and home insurance companies for several factors. However, we did not collect a sufficient amount of data on Esurance for it to be included.Â
Esurance vs. other top insurance companies
How much does Esurance insurance cost?
Currently, the national average for a 6 month car insurance policy is $1,084, whereas Esurance is about $2,820 or roughly 160% more expensive than a typical policy. While it's not the cheapest auto insurance options available, it can be a worthy competitor. The table below shows how Esurance auto insurance compares against other top insurers.
Updating data...
| Company | Avg. Monthly Premium |
|---|---|
| Allstate | $201 |
| Esurance | $172 |
| Progressive | $157 |
| Farmers | $149 |
| State Farm | $131 |
| GEICO | $129 |
| Metromile | $127 |
| Root | $56 |
Source: The Zebra
Like all insurance companies, Esurance rates vary based on age (and a variety of other factors) and will generally will get cheaper the older you get.Â
The table below shows Esurance's car insurance premiums for different age brackets.Â
Updating data...
| Age Group | Avg. Monthly Premium |
|---|---|
| Teens | $614 |
| 20s | $234 |
| 30s | $174 |
| 60s | $171 |
| 40s | $162 |
| 50s | $157 |
Source: The Zebra
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Discounts offered
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 -Â Esurance advertises its clients save an average of $100 per policy via DriveSense telematics
- Multi-policy discount -Â By carrying more than one line of insurance with Esurance, you can earn a multi-policy 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.
Esurance offered a long list of discount opportunities when the company was actively writing policies. Now that they have transitioned their quote process back to Allstate, it is not clear which discounts may apply to Esurance customers.Â
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What types of coverage does Esurance offer?
Esurance provides all the basic auto insurance coverage options. Aside from liability, collision, and comprehensive coverages, Esurance has some additional products worth considering.
- Emergency roadside service -Â If you have comprehensive and collision coverage through Esurance, this coverage can be included as an add-on for a small additional fee.
- Rental car coverage - This coverage 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.
Read more about Esurance's coverages here.
Esurance insurance review: Summary
Ultimately, Esurance is an average-rate insurance company that offers standard car insurance coverage and little extras. Its Allstate backing helps its credibility, however it appears Allstate may be quietly retiring the brand as customers are returned to the Allstate webpage when trying to receive an Esurance quote. The Zebra believes that while Esurance might once have been a solid choice, it is now best advised to look elsewhere for new policies.Â
Methodology — how The Zebra reviews insurance companies
The team of insurance experts at The Zebra evaluates companies by focusing on customer experience first, with an emphasis on service quality, reliability, and ease of interaction. Unlike previous models, pricing is not scored but is instead presented separately as context for comparison.
Each category has been scored using a combination of our internal customer satisfaction survey results and published scores from reputable organizations such as AM Best and J.D. Power.
- Service Accessibility & Support Quality (25%): This category measures how easy it is to get help when needed, evaluating factors such as support channel availability (phone, chat, in-person, app), response times, agent knowledge, service hours, and language accessibility.
- Claims Experience (25%): This category assesses how smoothly the claims process works, considering ease of filing (online, app, or phone), transparency and communication, processing times, and fairness in dispute resolution.
- Digital Experience & Policy Management (25%): This category evaluates the convenience of managing your policy: this includes mobile app usability, website experience, account management, digital document access, self-service options, and platform integrations
- Trust & Reliability (25%): This category looks at a company’s overall reliability, measuring financial strength, market stability, regulatory history, communication transparency, and consistency in policy terms.
Price context: Pricing varies significantly based on individual circumstances and risk factors. Customers can evaluate cost-effectiveness based on their specific situation and the service quality scores provided.
Esurance insurance: Frequently asked questions
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Customer Questions about Esurance
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Can Esurance deny a refund if I forgot to cancel my policy when I switched to a new company?
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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.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.