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

Our Esurance car insurance review shows rates start at $69 per month with 10% discounts for safe drivers. It's a great company for cheap car insurance and managing coverage online, but new policies are only available through Allstate. Existing Esurance insurance policies remain active but are managed by Allstate.

UPDATED: Mar 28, 2025Fact Checked

Daniel S. Young

Insurance Content Managing Editor

Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...

Insurance Content Managing Editor

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Mar 28, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Mar 28, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Mar 28, 2025Fact Checked
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Esurance

Average Monthly Rate For Good Drivers

$69

A.M. Best Rating:

A+

Complaint Level:

Low

Pros

  • Fast online claims with quick payouts
  • Strong financial backing from Allstate
  • DriveSense program rewards safe driving habits

Cons

  • High deductibles increase out-of-pocket costs
  • Not writing new policies

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 CriteriaEsurance: Esurance Car Insurance Review
Overall Score4.3
Business Reviews4.0
Claim Processing4.5
Company Reputation4.0
Coverage Availability4.9
Coverage Value4.1
Customer Satisfaction4.0
Digital Experience4.5
Discounts Available5.0
Insurance Cost4.1
Plan Personalization4.5
Policy Options3.8
Savings Potential4.4

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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.

Here’s What You Need to Know

  • Esurance car insurance review shows rates start at $38 a month with digital tools
  • DriveSense discount rewards safe driving, and ShareSmart covers rideshare gaps
  • Quick claims process with photo uploads and next-day payouts in eligible cases

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

Age & GenderMinimum CoverageFull Coverage
16-Year-Old Female$319$634
16-Year-Old Male$330$647
18-Year-Old Female$160$470
18-Year-Old Male$164$560
25-Year-Old Female$92$295
25-Year-Old Male$85$125
30-Year-Old Female$63$120
30-Year-Old Male$61$114
45-Year-Old Female$60$110
45-Year-Old Male$49$114
60-Year-Old Female$41$99
60-Year-Old Male$38$95
65-Year-Old Female$43$108
65-Year-Old Male$42$85

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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.

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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.

Esurance Car Insurance Monthly Rates vs. Top Competitors by Provider & Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Esurance Car Insurance Review$87$228
American Family: Esurance Car Insurance Review$62$166
Esurance Esurance Car Insurance Review$69$163
Farmers: Esurance Car Insurance Review?$76$198
Geico: Esurance Car Insurance Review?$43$114
Liberty Mutual: Esurance Car Insurance Review?$96$248
Nationwide: Esurance Car Insurance Review$63$164
Progressive: Esurance Car Insurance Review$56$150
State Farm: Esurance Car Insurance Review$47$123
Travelers: Esurance Car Insurance Review$53$141

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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 Savings PotentialDescription
Anti-Theft3%Vehicle equipped with anti-theft system
Bundling15%Bundling auto and home policies
Defensive Driving7%Completion of approved cours
Good Student10%Full-time students with good grades
Hybrid/Electric8%Own a hybrid or electric vehicle
Online Quote5%Quote or purchase online
Paperless5%Receive documents electronically
Pay-in-Full6%Pay your premium in one payment
Safe Driver10%No accidents or moving violations
Vehicle Safety5%Equipped with safety features

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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.

To file a claim with Esurance, use their mobile app or website for a fast, digital experience, and eligible photo claims may receive next-day payment.

Daniel Walker Licensed Insurance Agent

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.

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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

AgencyEsurance: Esurance Car Insurance Review
J.D. Power: Esurance Car Insurance ReviewScore: 810 / 1,000
Avg. Satisfaction
BBB: Esurance Car Insurance ReviewScore: A
Good Business Practices
Consumer Reports: Esurance Car Insurance ReviewScore: 72/100
Mixed Customer Feedback
NAIC: Esurance Car Insurance ReviewScore: 1.20
More Complaints
A.M. Best: Esurance Car Insurance ReviewScore: A+
Superior Financial Strength

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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.

Esurance Car Insurance Review: Esurance Homepage

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.

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Frequently Asked Questions

What is the Esurance Insurance Company?

Esurance Insurance Company was a digital-first auto and home insurance provider owned by Allstate. It operated under Esurance Insurance Services, Inc. and Esurance Property and Casualty Insurance Company. Esurance focused on online policy management, claims processing, and discounts through programs like DriveSense. Minimum car insurance rates started at $69 per month.

Is Esurance still around?

Yes, Esurance is still in operation, but as a subsidiary of Allstate, its branding and services have been integrated. While Allstate now manages most new policies, existing Esurance home insurance and auto policies remain active under the Esurance name.

Is Allstate and Esurance the same thing?

No, Esurance and Allstate car insurance are separate entities, but Allstate owns Esurance. Allstate operates as a traditional insurance company with in-person agents, while Esurance focuses on online-based policies and self-service tools. Get Allstate car insurance quotes online here.

How do I contact Esurance customer service?

You can reach Esurance customer service at 1-800-378-7262. Representatives are available from Sunday to Saturday, 7 AM to 7 PM CST. For policy management, you can also use the Esurance login portal.

What does Esurance car insurance cover?

Esurance offers auto, home, renters, and motorcycle insurance. Its car insurance policies include liability, collision, comprehensive, roadside assistance, rental reimbursement, and gap coverage. Esurance home insurance covers property damage, personal liability, and additional living expenses in case of covered losses.

How reliable is Esurance Insurance Company?

Esurance has strong financial backing from Allstate and holds an A+ rating from A.M. Best, indicating financial stability. However, customer satisfaction reviews are mixed, with some policyholders praising its digital convenience and others reporting delays in claims processing.

What is the A.M. Best rating for Esurance?

Esurance has an A+ A.M. Best rating, reflecting its strong financial ability to pay claims. This rating is aligned with its parent company, Allstate.

What is cheaper than Esurance car insurance?

Cheap Esurance car insurance is competitive, but Geico and State Farm often provide lower base rates. Esurance’s average minimum coverage is $69 a month, while Geico car insurance charges $43 monthly, and State Farm is $47 a month. The final rate depends on factors like driving history and discounts.

How do I access my policy through an Esurance login?

You can manage your policy by visiting the Esurance login page at Esurance.com. The portal allows you to pay bills, update coverage, and file claims.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool to find the best policy for you.

Is Esurance still active for new policies?

Esurance no longer sells new policies under its own name since Allstate phased out Esurance’s branding. However, existing policyholders remain covered, and claims and renewals continue through Esurance Insurance Services, Inc.

What is the equivalent of Esurance?

If you’re looking for an alternative to Esurance, Geico, Progressive, and State Farm offer similar online-based insurance services with competitive rates. Progressive and Geico have strong digital tools and discounts like Esurance’s DriveSense program (Learn More: Is State Farm cheaper than Progressive?).

Does Esurance offer home insurance?

Yes, Esurance home insurance provides coverage for property damage, liability, and additional living expenses. It includes standard protections for fire, theft, and vandalism. However, availability varies by state.

Is Esurance good car insurance?

Esurance provides affordable digital-first car insurance with strong coverage options, including ShareSmart for rideshare drivers and DriveSense for safe driving discounts. However, it receives mixed reviews for customer service and claims processing times.

What is the Esurance phone number?

The official Esurance phone number for customer support is 1-800-378-7262. It is used for claims, billing, and policy questions.

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Is Esurance the same as Progressive?

No, Esurance and Progressive car insurance are separate companies. Both focus on online insurance, but Progressive has a larger market share, more coverage options, and a wider network of local agents. Esurance is owned by Allstate, while Progressive is independent.

Daniel S. Young

Insurance Content Managing Editor

Daniel S. Young began his professional career as chief editor of The Chanticleer, a Jacksonville State University newspaper. He also contributed to The Anniston Star, a local newspaper in Alabama. Daniel holds a BA in Communication and is pursuing an MA in Journalism & Media Studies at the University of Alabama. With a strong desire to help others protect their investments, Daniel has writt...

Insurance Content Managing Editor

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

secured lock Secured with SHA-256 Encryption

<h3>Esurance Car Insurance Monthly Rates by Driving Record</h3>
<h3>Esurance Car Insurance Monthly Rates by Driving Record</h3>