- Customer Service: 1-800-378-7262
- Claims: 1-800-378-7262
- 650 Davis Street San Francisco, CA 94111-1904
Unless you live in a state that doesn’t require you to maintain car insurance, having good car insurance coverage is a necessary expense for all drivers. But not all car insurance companies are created equally.
Some companies offer great car insurance policies with responsive customer service, while others offer cheap car insurance rates but a poor customer experience.
So, where does Esurance fall on the spectrum compared to other insurance companies? We’ll shed some light on Esurance in the comprehensive review below and what to expect when getting an Esurance quote.
What Is Esurance?
Esurance.com has been in business since 1999 and is based on the philosophy that buying car insurance shouldn’t be a painful experience. Esurance offers car insurance through a modern customer interface, including online tools and a mobile app.
And the insurance options don’t stop there. You can also obtain home insurance, renters insurance, and motorcycle insurance from Esurance, helping you save time and money by getting multiple insurance policies in the same place.
How Does Esurance Insurance Work?
Whether you’re getting your first Esurance quote or adding a new insurance policy, you can complete the entire process online.
You’ll start the process by entering your ZIP code. From there, Esurance will direct you to the full application for your state. Esurance is available in most, but not all, states, so you can check here to see if it’s licensed in your state before getting started.
Since several factors determine your car insurance rates, you’ll need to be ready to provide the following information:
- Full name
- Date of birth
- Marital status
- Education level
- Living situation
- Driver’s license number
- Vehicle Identification Number (VIN)
- Vehicle Mileage
- Work address
- Vehicle usage
If you plan to have multiple drivers on the same policy, such as a spouse, teenager, or roommates, you’ll need to provide their information as well.
Once Esurance has this information, they’ll provide you with a personalized quote. You can move forward with the policy if you like what you see.
After you make the first payment, you’ll be able to log in directly from the Esurance app to access your digital insurance card, which provides proof of your policy.
Before you commit to the first auto insurance quote you receive, we 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!
Compare Multiple Quotes Side-by-Side
Compare Multiple Quotes Side-by-Side
Esurance Auto Insurance Payments
As an Esurance customer, you can either pay your annual premium upfront or make monthly payments.
In most states, customers that pay upfront will receive a significant discount. You may be assigned an additional fee if you opt for monthly payments. According to Esurance, this installment fee should be around $6 per month.
If you pay monthly, you’ll be required to set up automatic 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 remembering to make your payment.
Esurance Auto Insurance Rate Increases
In most cases, Esurance auto insurance policies renew automatically. But it’s important to review your premium with each renewal to see if it has increased.
There are many reasons why you might see your auto insurance rates increase. Maybe you got a speeding ticket or were involved in an accident.
Some Esurance customers report that their premium spiked when the company noted an increase in claims in the area.
Esurance Auto Insurance Claims
With Esurance, the entire claims process happens online. You can file a claim through their app or website. From there, the company will help you locate an approved repair shop to get you back on the road ASAP.
Photo claims may 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, depending on the extent of the damage.
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 and give you driving tips. As you practice safe driving habits, you’ll receive a customized good driver 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 offers homeowners insurance, renters insurance, and motorcycle insurance. You can bundle multiple insurance products with one insurance company to unlock savings.
- Paid in full discount: Instead of paying for your car insurance each month, paying for a full term in advance could lead to a significant discount. If you can afford to make your total payment upfront, ask your car insurance provider for a discount.
- Vehicle safety discount: Most insurance companies will give you a discount if you drive 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 when you get your Esurance quote! Doing so could save you a lot of money in the long run.
Esurance Insurance Coverage Options
The coverage options offered by Esurance vary by state. However, here’s a look at what coverage options you may be able to find through the company:
- Collision coverage
- Comprehensive coverage
- Emergency roadside assistance coverage
- Rental car coverage
- Gap coverage
- Medical payments coverage
- Personal injury protection coverage
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist bodily injury liability
- Underinsured motorist bodily injury liability
- Uninsured/underinsured motorist property damage
The type of insurance coverage you need depends on your driving habits and location. For example, the minimum coverage requirements in your state won’t cover things like vandalism or natural disaster. For that, you’ll need comprehensive coverage.
Additionally, Esurance offers ShareSmart as an add-on coverage option for rideshare drivers who work with Uber or Lyft. Although this option is only available in California, Illinois, and New Jersey, for now, it’s likely to expand to other states soon.
The cost of car insurance is unavoidable, but that doesn’t mean everyone pays the same rates. Here’s what you can expect to pay based on your age and other factors when you get insurance through Esurance:
|Young Drivers (18-24)||$234|
|Retired Drivers (65+)||$232|
If you’re considered a high-risk driver, then you can expect to pay more for insurance. Here’s how your driving record can impact your monthly premium:
|Driving Record||Monthly Premium|
|One speeding ticket||$287|
|Clean driving record||$234|
Of course, these are just averages, not fixed rates since many other factors can impact your personal car insurance costs.
You can also adjust your insurance premium by choosing a higher or lower deductible, which is the amount you’ll have to pay out of pocket before your insurance kicks in.
Esurance Insurance Customer Reviews
Customer feedback on Esurance is mixed. Although the company only earned 2.1 out of 5 stars on Trustpilot, it earned 3.2 out of 5 stars on Consumer Affairs.
The ratings are much higher when you look at customer feedback for Esurance mobile apps rather than insurance reviews. Esurance Mobile earned 4.8 out of 5 stars in the Apple App Store and 4.5 out of 5 stars in the Google Play Store.
As part of the 2020 Auto Claims Satisfaction Study by J.D. Power, Esurance scored 871 out of 1,000 points. That’s only one point 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 has advantages and disadvantages. Let’s start with the pros of using Esurance:
- 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 elsewhere.
- Below-average customer satisfaction: According to reviews, the company would benefit from providing a better customer experience.
How to Know if Esurance Insurance Is a Good Fit
If you’re 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. Esurance offers reasonable rates, but most drivers can find a better car insurance policy with another company.
Before choosing Esurance, we recommend checking out other options. It only takes a few minutes to compare car insurance quotes with Compare. Give it a try today:
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Compare Car Insurance Quotes
FAQs about Esurance
Is Esurance part of Allstate Insurance?
Yes, Allstate bought Esurance in 2011. Although its parent company is in Illinois, Esurance is still headquartered in San Francisco.
How much does it cost to drive with Esurance?
The exact rate you’ll pay for Esurance car insurance varies based on your driving record and location. You should expect to pay relatively average premiums with this company.
You can likely find a better price elsewhere, but these premiums aren’t the highest on the market. If you want to find the best car insurance rate, be sure to compare multiple insurance options before moving forward.
Is Esurance the same as Progressive?
No. Although both emphasize 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 who 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 situation.