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. 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.
Esurance at a glance
Esurance car insurance review
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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Where is Esurance available?
|Esurance||AL, AK, AZ, AR, CA, CO, CT, FL, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, NE, NV, NJ, NM, NC, ND, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI|
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.
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.
Esurance advertises its clients save an average of $100 per policy via DriveSense telematics.
Fast 5 discount
This discount provides an automatic 5% off your first policy with Esurance.
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:
- Auto and home
- Auto and motorcycle
- Auto, home, and motorcycle
Paid in full
If you’re able to pay for your premium up from, you could save up to 10% on your premium.
If you insure more than one vehicle via Esurance, you can earn this 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.
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
Esurance online options and apps
The company has long been technology-focused. Customers can get quotes and make claims through the company's website. Their mobile app is also
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.
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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 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.