Esurance Insurance

Why choose Esurance Insurance?

  • Drivers who switched to Esurance saved an average of $462.*
  • When you bundle your car and home insurance, you could save even more.
  • With Esurance Mobile, you can grab your proof of insurance, pay your bill, or update your policy. Any time. Anywhere.

Did you know...?

  • Customers who enroll in DriveSense® could save up to $100.
  • With photo claims, you can file a claim simply by snapping a few pics of the damage. And better yet, your payment could be sent in as little as a day!**
  • Esurance is part of the Allstate family. You can count on us to be there when you need us.
  • Customer Service: 1-800-378-7262
  • Claims: 1-800-378-7262
  • 650 Davis Street San Francisco, CA 94111-1904

Car insurance is a necessary expense for all drivers. But not all car insurance companies are created equally. Some offer affordable insurance with responsive customer service. While others simply don’t live up to your expectations for a smooth insurance experience. 

So, where does Esurance fall on the scale? We’ll shed more light on Esurance in the comprehensive review below. 

What is Esurance Insurance?

Esurance operates on the principle that car insurance shouldn’t be painful. Since 1999, the company has brought car insurance to drivers through a modern experience complete with all of the online tools you love.

Today, they offer the chance to easily find and manage your car insurance needs through an online portal and mobile app. And the available options don’t stop with car insurance. You can also obtain homeowners insurance, renters insurance, and motorcycle insurance through this company. 

How Does Esurance Insurance Work?

When working with Esurance, the process is completed entirely online. 

You’ll start the process by entering your zip code. From there, Esurance will direct you to the full application. 

Be prepared to provide the following:

  • Full name
  • Date of birth
  • Address
  • Marital status
  • Education level
  • Living situation
  • Driver’s license number
  • Vehicle Identification Number (VIN)
  • Vehicle Mileage
  • Work address
  • Vehicle usage

Once Esurance has all of this information, they will provide you with a quote. If you like what you see, you can move forward with the policy. After making the first payment, login directly from the app to access your digital insurance car which provides proof of your policy.

But before you commit to the first auto insurance quote you receive, we highly recommend shopping around to find the best rate. Luckily, you can compare many options in just a few minutes with our auto insurance comparison tool!

Esurance Auto Insurance Payments

As an Esurance customer, you can pay for your annual premium upfront or make monthly payments. 

In most states, customers that pay upfront will receive a discount. While if you opt for monthly payments, you may be assigned an additional fee. According to Esurance, this installment fee should be around $6 per month. 

If you do opt for monthly payments, you’ll be required to set up automatic monthly payments from your bank account, debit card, or credit card. The good thing about being enrolled in autopay is you won’t have to worry about forgetting to make your payment. 

Esurance Auto Insurance Rate Increases

In most cases, Esurance auto insurance policies are automatically renewed. But it is important to review your premium with each renewal to see if it has increased. 

There are many reasons why you might see an increase in how much you’re responsible for. Perhaps you got a ticket or were involved in an accident. Some Esurance drivers have reported their premium spiked when the company noted an increase in claims in the area.

Esurance Auto Insurance Claims

With Esurance, the entire claims process is conducted online. You can quickly file a claim through their app or online. From there, the company will help you locate an approved repair shop to get you back on the road ASAP. 

Photo claims are an option to help you get paid faster. If you choose to upload photos of the damage directly from your phone, you could receive an Esurance policy payment in as little as one day. 

Esurance Auto Insurance Discounts

Getting a discount on your insurance premium could lead to significant savings. It’s worth checking to see if Esurance offers these discounts and whether you qualify.

  • DriveSense discount. If you sign up for DriveSense, the app will track your driving. As you practice safe driving, you’ll receive a customized discount. 
  • Good student discount.  Students who earn good grades may qualify for a discount on their car insurance premium. 
  • Multi-car insurance discounts. If there are multiple vehicles on your insurance policy, you may be able to save with a multi-car discount.
  • Multi-policy discount. Esurance also offers homeowner’s insurance, renter’s insurance, and motorcycle insurance. If you can bundle the policies with this insurance company, then you could unlock savings. 
  • Pay in full discount. Instead of paying for your car insurance each month, paying for a full term in advance could lead to a big discount. If you can afford to make your full payment upfront, ask your car insurance provider for a discount. 
  • Vehicle safety discount. Most insurance companies will give you a discount if you are driving a vehicle with some common safety features. Check to see what your car may have to qualify for a discount. 

If you think you qualify for any of these discounts, make sure to ask about it! Doing so could save you a ton in the long run. 

Esurance Insurance Coverage Options

The coverage options offered by Esurance vary a bit by state. However, here’s a look at what coverage options you may be able to find through the company.

Additionally, Esurance offers ShareSmart as an add-on coverage option for rideshare drivers. Although this option is only available in California, Illinois, and New Jersey, for now, it’s likely to expand to other states soon. 

Esurance Auto Insurance Costs

The cost of car insurance is an unavoidable expense for drivers. Here’s what you should expect to pay when you get insurance through Esurance. 

Demographic Monthly Premium
Young Drivers (18-24) $234
Retired Drivers (65+) $232
Female Drivers $289
Male Drivers $310
Married Drivers $216
Single Drivers $361

 

If you are considered an at-risk driver, you’ll pay a bit more for car insurance. Here’s what to keep in mind:

Monthly Premium
One accident $364
One DUI $302
One speeding ticket $287
Clean Driving Record $234

 

Of course, these are just averages. There are many factors that will impact your personal car insurance rates. 

Where is Esurance Insurance Available

Esurance is not available in every state

You can be insured Esurance if you live in Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, or Wisconsin. 

Esurance Insurance Customer Reviews

The customer feedback of Esurance is mixed. Although the company only earned 1.9 out of 5 stars on Trustpilot, it earned 3.8 out of 5 stars on Consumer Affairs

When you look at the customer feedback about the mobile apps, the results are stellar. Esurance Mobile earned 4.8 out of 5 stars in the Apple App Store. Plus, 4.5 out of 5 stars in the Google Play Store

Then when reviewing data from the  J.D. Power Auto Claims Satisfaction Study, Esurance scored 871 out of 1,000 points. That’s a tad less than the industry average of 872 so it doesn’t sound any major alarms about the company. 

Pros and Cons of Esurance Insurance

Every insurance company on the market has advantages and disadvantages to consider. Here are the pros and cons to keep in mind with Esurance. 

Let’s start with the pros:

  • Streamlined website and app. Esurance has always been a leader in creating an easy-to-use digital experience. 
  • Plentiful coverage options. You’ll likely find the policy you are looking for. 
  • Rideshare add-on option. Drivers in some states will find the add-on rideshare coverage helpful. 

Now, for the cons:

  • Not the most affordable. Most drivers can find a better rate somewhere else. 
  • Below average customer satisfaction. The company would benefit from providing a better customer experience. 

How to Know if Esurance Insurance is a Good Fit

If you are looking for a fast online option to finalize your coverage, Esurance might be the best choice. A smooth online application sets the stage for a painless digital experience. You can even file future claims directly from the mobile app!

However, for those looking to save money, you should continue searching for the lowest rates out there. Esurance offers reasonable rates. But most drivers can find a better deal with another company. 

Before choosing Esurance car insurance, we highly recommend checking out your other options. It only takes a few minutes to compare car insurance quotes with Compare. Give it a try today!

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FAQs about Esurance Insurance

Is Esurance part of Allstate?

Yes, Allstate bought Esurance in 2011. 

How much does it cost to drive with Esurance?

The exact rate you pay to Esurance varies based on your unique driving record and location. But you should expect to pay relatively average premiums with this company. You can likely find a better price elsewhere. However, these premiums are not the peak of the market. 

If you want to find the best car insurance rate, compare multiple quotes before moving forward. 

Is Esurance the same as Progressive?

No. Although both have placed an emphasis on providing a premium digital experience, Esurance and Progressive are two different companies. When shopping for insurance, treat these two companies as separate entities. 

Is there a fee to cancel Esurance? 

Unfortunately, Esurance often charges a cancellation fee to policyholders that cancel their policy before the term expires. The exact amount you’ll pay will vary. But make sure to factor in this cost before choosing to work with another company. 

In most cases, it makes sense to finish out the term of the policy and then make the switch. But take the time to run the numbers for your unique situation.

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