Esurance review |

Esurance car insurance review February 2018

Comprehensive coverage comes affordably with this highly rated digital provider — but watch for hidden fees.

Car insurance is a must-have, and it’s up to you to get the best coverage for when life happens. But choosing the right company can mean sifting through confusing legalese and countless deals — all for something you hope you never need.One of the first providers to sell insurance online directly to its customers, Esurance is today a serious player in the auto insurance industry.

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You might recognize this insurance giant from its hilarious commercials starring spokesperson John Krasinski. Founded in 1999, at the height of the dot-com bubble, Esurance boasts providing insurance for the modern world. Its innovative business model led to a $1 billion acquisition by Allstate in 2011.

Esurance is not your standard insurance company: It operates completely online, respected for its low rates and excellent customer service. It prides itself on a hasslefree experience and operates in 43 states.


  • First-rate site. Get insurances options easily in a matter of minutes. (We counted.)
  • Competitive pricing. Users celebrate affordable rates, especially for those with excellent driving records.
  • A+ BBB rating. Esurance gets high marks for customer service and transparency.


  • Hidden fees. Customers complain about charges for check payments, paper statements and — more of a problem — policy cancellations that can be 10% of your remaining premium balance.
  • Direct company. Because Esurance is fully online, you won’t have a local agent to call or visit with policy concerns.
  • Autopay required. To go through Esurance, you’re required to sign up for automatic withdrawals from your bank account.

What types of coverage does Esurance offer?

Esurance offers a full suite of comprehensive car insurance coverage.

  • Medical payments. Covers accident-related medical expenses, even if you are a pedestrian.
  • Personal injury protection. PIP coverage varies by state but generally fills the gaps by covering indirect expenses like lost wages or nursing care after a car accident.
  • Comprehensive coverage. Pays for car repairs if your car is damaged by something other than an accident — for instance, fire or vandalism.
  • Collision. A key component of “full coverage,” pays for car repairs if you’re in an accident.
  • Emergency roadside assistance. Pays for towing and roadside fees necessary after an accident.
  • Rental reimbursement. Pays for your rental car while your car is in the shop.
  • Loan/lease gap coverage. If an accident totals a car you’re financing or leasing, this coverage pays the difference between what your insurer will cover and the remainder of your existing loan or lease.
  • Customized parts and equipment. Insures electronics and performance mods up to $4,000, like your stereo system, headrest TVs and that custom paint job that makes your car yours.
  • Bodily injury and property damage liability. Protects you and other drivers if you cause an accident.
  • Uninsured/underinsured motorist liability. Helps with bills if you’re in an accident caused by an uninsured or underinsured driver.
  • SR-22. Also known as a certificate of fiscal responsibility, Esurance can provide SR-22 for drivers mandated by state law.

Does Esurance offer other types of insurance?

Yes. Beyond car insurance, Esurance can cover nearly anything you value. From anything with wheels — your motorcycle, RV or travel trailer or commercial fleet, for example — to your home or apartment, boat or snowmobile, pets, travel to Mexico and more. It also offers life insurance.

Companies like Esurance

These other providers also offer auto insurance like Esurance.

Bottom line

Esurance is an innovative dot-com offering a wide range of coverage at competitive prices. Its customer experience revolves around a intuitive website and app from which you can access your policy or file a claim.

But you won’t get the local agents that come with other providers, and you’ll want to make sure you’re going to keep your policy active throughout your contract or face steep cancellation fees.

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Frequently asked questions about Esurance

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