Allstate vs. Esurance: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Allstate offers significantly more affordable rates than Esurance
• Allstate has cheaper prices for drivers with a DUI charge on their record
• Allstate offers more affordable premiums for people who are single and purchasing auto insurance by yourself

Allstate vs. Esurance: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Allstate or Esurance, but which one has less expensive prices for car insurance?

Looking at nationwide averages, Esurance has average rates that are about 35% per month more expensive than those from Allstate.

That being said, Allstate may not be the most affordable or best option for every single driver out there. Insurance companies vary their rates depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and a variety of other factors, so premiums could change drastically from person to person.

Luckily, we've broken down average prices from both Allstate and Esurance by several different rate factors, so read on to find out which company is the best for you.

Allstate or Esurance: Average Car Insurance Rates by State

Allstate and Esurance compete against each other in nine states, with Esurance offering more affordable rates to the average driver in all of them. If you live in Arizona, California, or Missouri, Esurance is the less expensive of the two carriers when looking at the overall average premiums. Allstate is the cheaper option in Colorado, Georgia, New Jersey, New York, Ohio, and Pennsylvania.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance companies calculate your rates. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers. It's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. For example, 18-year-old drivers pay an average of more than $250 less a month by choosing Allstate over Esurance.

But both carriers will decrease premiums by the time you turn 25. Esurance offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Allstate still has the lowest prices at $167 monthly.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable insurance rates you'll ever find. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can increase prices.

When looking at Allstate and Esurance specifically, which carrier is best for retired drivers? Allstate gets the edge, with rates for drivers 65 and older $80 more affordable than the national average for Esurance.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are normally more expensive for single policyholders than they are for married policyholders? That's typically because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Allstate is the clear winner for those who are single, with rates around $130 per month less expensive than Esurance, on average. The advantage for married couples with Allstate is also obvious, where drivers save over $60 a month.

Allstate vs. Esurance: Average Rates by Gender

You may not know, but auto insurance is usually cheaper for women than it is for men. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

On average, men see premiums about 4% per month higher with Allstate, and around 7% with Esurance.

Looking at the data for each company specifically, Allstate comes out as the lowest option for both genders, with average prices $106 less for men and $94 cheaper for women.

Allstate or Esurance: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

For most people, car insurance can be pretty complicated. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum liability insurance, Allstate typically offers significantly cheaper premiums of $108 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies about $100 a month more affordable than Esurance, on average.

Is Allstate or Esurance Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Collisions and tickets will most likely raise your prices, but is Allstate or Esurance cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 per month if they get a ticket, while Esurance generally raises premiums around $45 a month, on average.

Even so, Allstate has less expensive prices for drivers in both categories, offering premiums that are $86 and $104 more affordable, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their rates climb by over 30%, while those who have insurance through Esurance will see about a 35% increase.

Overall, Allstate offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $229 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Allstate will raise your prices around 31% after a DUI, while Esurance's average premiums increase by just under 20%.

If you have a DUI on your record and are looking for more affordable prices, Allstate tends to be the much less expensive option with average rates of $227 a month compared to $301 from Esurance.

How does Credit Score Impact Allstate and Esurance Rates?

Did you know that many insurance carriers take your credit score into account when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few policyholders.

Car insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the most affordable prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Allstate. Policyholders with "excellent" credit can save over 30% compared to Esurance, and those with "good" scores can also expect to see savings -- about $94 or 35% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower rates than Esurance when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $102 per month less with Allstate compared to Esurance, and those with "poor" scores usually save an average of about $149 per month.

Is Allstate or Esurance Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly premiums? That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Allstate tends to be the less expensive option. Allstate's average rates for drivers with 6,000 annual miles come in around $101 cheaper than Esurance. Those who drive 12,000 miles annually can expect to pay about $99 less with Allstate over Esurance.

Allstate vs. Esurance: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a sizable impact on your monthly insurance payment. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of cars that are on the roads in those areas.

Allstate tends to offer the lowest premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Allstate offers prices around $222 a month compared to Esurance's $396. People who live in suburban ZIP codes can expect to pay about $199 a month for Allstate and $288 for Esurance. Lastly, those in rural areas tend to get the most affordable rates from both carriers, with average monthly prices coming in at $174 and $211 for Allstate and Esurance respectively.

Allstate vs. Esurance Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both Allstate and Esurance so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate blows Esurance away when it comes to the sheer amount of discounts available, offering 16 more discounts than Esurance.

Both companies offer quite a few of the same discounts -- like advance quote discounts, anti-theft discounts, discounts for being a defensive driver, and good payer discounts -- but Allstate also offers alert driving discounts, annual mileage discounts, COVID-19 relief discount, and more that Esurance does not.

On the flip side, Esurance has a couple unique discounts of its own -- education discounts, group discounts, military discounts, and more.

Final Thoughts: Is Allstate or Esurance Best for You?

So, we've broken down the average rates for many of the variables car insurance carriers look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which insurance carrier is the best carrier for you and your specific profile and needs?

Allstate might be best for you if....

• You're worried about the impact your credit score will have on your premiums.
• You're looking for more protection with "full coverage" insurance.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Esurance might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a better idea of the difference between Allstate and Esurance. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Allstate and Esurance. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Allstate vs. Esurance FAQs

Is Allstate or Esurance cheaper?

Looking just at the national average rates, Allstate is the more affordable of the two companies, offering average rates of $199 per month compared to $299 for Esurance. However, Allstate won't necessarily be the lowest company for each driver, since there are a variety of different factors that are considered when it comes to your insurance cost.

Who is better, Allstate or Esurance?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Allstate and Esurance offer me different rates?

Auto insurance carriers take a look at a lot of different variables when determining the prices they charge policyholders. Things like where you call home, where your home is, gender, age, and sometimes even things like your credit score can all be used. Both Allstate and Esurance calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Allstate or Esurance is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Allstate or Esurance at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.