Esurance Car Insurance Review for 2025 [Rates, Discounts & More!]

This Esurance car insurance review focuses on past policies, as Esurance no longer sells new coverage. While Esurance focused on tech-driven, online-based insurance, all new policies must now go through Allstate. Is Esurance owned by Allstate? Yes, all new customers must purchase policies through Allstate.

Esurance Car Insurance Rating

Rating Criteria
Overall Score	4.3
Business Reviews	4.0
Claim Processing	4.5
Company Reputation	4.0
Coverage Availability	4.9
Coverage Value	4.1
Customer Satisfaction	4.0
Digital Experience	4.5
Discounts Available	5.0
Insurance Cost	4.1
Plan Personalization	4.5
Policy Options	3.8
Savings Potential	4.4

Existing Esurance customers still have coverage, and monthly rates are competitive, starting at $69 monthly for minimum coverage. Coverage options include liability, collision, and comprehensive, plus extras like rental reimbursement and roadside assistance.

Enter your ZIP code to shop for coverage from the top insurance companies near you to get the right car insurance at the best price.

Esurance Car Insurance Rates & Monthly Costs

When comparing monthly car insurance rates by age, gender, and driving record, younger drivers typically pay the highest premiums, while older, low-risk drivers receive lower rates.

Esurance Car Insurance Monthly Rates by Coverage Level, Age, & Gender

Allstate (formerly Esurance) rates vary by these factors. The monthly minimum coverage for 16-year-old females is $319, while males pay $330. Full coverage for the same group is significantly higher, with males paying $647 per month. Rates decrease with age — 30-year-old males pay $61 for minimum coverage, while 60-year-old females pay just $41.

Drivers with clean records get the lowest rates, starting at $49 per month for minimum coverage and $114 for full coverage. A single ticket slightly increases rates, while an accident raises minimum coverage to $58 per month. The most significant rate hike comes with a DUI, pushing minimum coverage to $86 and full coverage to $170 per month.

Esurance Insurance Rates vs. Competitors

Esurance stopped providing new policies, but existing customers enjoy competitively low rates of $69 monthly. Esurance vs. Geico vs. Progressive compete for the cheapest car insurance rates, but since Esurance is now owned by Allstate, monthly costs might be higher.  If you’re looking for affordable coverage, comparing monthly rates from multiple providers is the best way to find the right option.

Car Insurance Esurance Monthly Rates vs. Top Providers

Insurance Company	Minimum Coverage	Full Coverage
	$87	$228
	$62	$166
	$69	$163
	$76	$198
	$43	$114
	$96	$248
	$63	$164
	$56	$150
	$47	$123
	$53	$141

For full coverage, Esurance costs $163 per month, making it a more affordable option than Allstate at $228, Farmers at $198, and Liberty Mutual at $248. However, it was still higher than Geico at $114, State Farm at $123, and Progressive at $150 per month (Read More: Esurance vs Liberty Mutual Car Insurance).

Esurance’s digital-first approach and fast claims processing appealed to tech-savvy drivers, but since all new policies must now be purchased through Allstate, customers should compare current rates and coverage to find the best option.

How to Save on Esurance Car Insurance With Discounts

Although Esurance has discontinued new policies, existing customers enjoy several discounts to help lower their monthly insurance rates.

Esurance Car Insurance Discounts

Discount
Anti-Theft	3%
Bundling	15%
Defensive Driving	7%
Good Student	10%
Hybrid/Electric	8%
Online Quote	5%
Paperless	5%
Pay-in-Full	6%
Safe Driver	10%
Vehicle Safety	5%

Bundling auto and home insurance offers the biggest savings — up to 15%. Good students and safe drivers can each save around 10%, and smaller discounts are available for things like anti-theft systems, paperless billing, and paying in full.

These savings help bring down costs, but Esurance no longer sells new coverage. If you’re shopping for affordable car insurance, check out Allstate’s current discounts — they now apply to Esurance-managed policies.

Esurance Car Insurance Coverage: What’s Included for Existing Customers

Esurance has stopped issuing new policies and is now completely owned by Allstate, but it offered a range of coverage options. Here’s a breakdown of what was available:

• Collision Coverage: Pays for repairs if your car is damaged in a crash with another vehicle or object, such as a fence or tree.
• Comprehensive Coverage: This covers damage from theft, vandalism, weather, or other non-collision incidents.
• Medical Payments (MedPay): Helps cover medical expenses for you and your passengers after an accident, regardless of fault.
• Liability Coverage: Covers property damage and medical bills for others if you’re at fault in an accident.
• DriveSense & ShareSmart: DriveSense rewarded safe driving with discounts, while ShareSmart provided extra coverage for rideshare drivers.

Esurance was known for digital convenience and competitive rates, but Allstate has now written all policies. New customers must purchase insurance through Allstate, and all coverage options should be compared to what Allstate currently offers.

Esurance no longer sells insurance, but if you’re currently a customer, you will file claims and make payments through your existing portal. If you’re looking for a new policy, check out our Allstate car insurance review.

Esurance Car Insurance Reviews & Customer Experiences

The company earned an 810 out of 1,000 satisfaction score from J.D. Power, an A rating from the BBB for business practices, and an A+ from A.M. Best for financial strength. However, Consumer Reports gave Esurance a 72 out of 100, reflecting varied customer experiences, and the NAIC recorded a 1.20 complaint index, indicating more complaints than the industry average.

Esurance Car Insurance Business Ratings & Consumer Reviews

Agency
	Score: 810 / 1,000 Avg. Satisfaction
	Score: A Good Business Practices
	Score: 72/100 Mixed Customer Feedback
	Score: 1.20 More Complaints
	Score: A+ Superior Financial Strength

Existing Esurance customers still have coverage, and many leave reviews. Esurance insurance reviews show mixed feedback from customers. A Reddit user reported both the good and bad aspects of their experience. They faced a high deductible and a lower-than-expected vehicle valuation.

However, after submitting the paperwork to the company, they quickly processed the office’s claim, making the experience smoother than he expected. Esurance and Allstate car insurance both offer financial stability, but customer experiences with Esurance were mixed. Some policyholders valued its digital claims process and gap insurance, while others reported high deductibles and slow communication.

Pros and Cons of Esurance Car Insurance

Esurance’s digital convenience and Allstate’s financial backing make it attractive for drivers who want to manage their policies online. Other reasons drivers stick with Esurance are:

• Fast Claims Processing: Esurance’s digital-first model enabled online claims filing, with eligible photo claims receiving next-day payouts.
• Discounts for Tech-Savvy Drivers: DriveSense rewarded safe driving with real-time savings, while ShareSmart provided extra coverage for rideshare drivers.
• Financial Stability Through Allstate: Esurance was backed by Allstate and maintained an A+ A.M. Best rating for financial strength.

However, high deductibles and customer service issues are frequent complaints. Other reasons to avoid this company include:

• Not Writing New Policies: New customers will not be able to buy Esurance car insurance. Coverage only exists for policyholders with coverage before it was bought by Allstate.
• Mixed Customer Service Reviews: Customers cited slow claims processing, delayed adjuster responses, and limited live support.

Existing customers keep their coverage, but new policies must be purchased through Allstate. If you’re shopping for coverage, shopping across providers can help you find better deals to lower your car insurance rates.

Esurance Car Insurance: Digital Convenience & Competitive Rates

While Esurance previously offered competitive rates, digital claims processing, and discounts like DriveSense and ShareSmart, all policy management is now handled by Allstate. If you’re looking for affordable options, consider finding free Esurance car insurance quotes online to compare rates from other providers.

This Esurance car insurance review discussed past policies since Esurance no longer issues new coverage. Allstate owns Esurance, and new customers must buy policies through Allstate.

Ready to shop around for the best car insurance company? Enter your ZIP code and see which one offers the coverage you need.