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Esurance vs. Allstate: Which company is better?

Compare Esurance vs. Allstate car insurance

Roslyn McKenna
Roslyn McKenna

Updated

Fact checked

Our top pick: Allstate

Allstate logo
  • Stack discounts up to 30%
  • Earn points and rewards with safe driving
  • Get claims paid through direct deposit
  • Opt for extras
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Allstate acquired Esurance in 2000, but the two companies operate separately. However, Allstate plans to merge Esurance into the main brand in 2020.

Esurance is making waves in the car insurance world, offering affordable coverage for just about any of your vehicles — cars, boats, RVs and even Segways. It’s unique because it operates completely online and takes pride in a hassle-free experience. Customers respect its low rates and excellent customer service. Allstate is a trusted and well-established company that’s offered a variety of insurance products since 1931. It serves more than 16 million households around the country, with agents in every state.

How do they fare up against each other in terms of ratings, discounts, prices and user satisfaction?

Esurance

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Allstate

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OVERVIEW

 OVERVIEW
About the provider
About the brand Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs. Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
States served
States served All states except AK, DE, HI, MT, NH, VT, WY All 50 states

COVERAGE

 COVERAGE
Roadside assistance
Roadside assistance Included free Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
 Yes
Claims methods
Claims methods Online
Phone
In-person
 Online
Phone
Payment schedule
Payment schedule 12 months
monthly
 12 months
Monthly

DISCOUNTS

 DISCOUNTS
Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Up to 10%
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Up to 10%
Special employment discount
Special employment discount No Yes
Student discount
Student discount Yes Up to 20%, under 25
Usage based discount
Usage based discount No Yes - up to 20% cash back
Learn more
Learn more
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Bottom line

If you want affordable rates with local agents and accessibility around the country, Allstate can deliver. On the other hand, Esurance is known for its online convenience and quick claims process. Before making a decision about car insurance, always compare your options to find a provider that’s right for your needs.

Compare alternatives to Esurance and Allstate

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Get quotes
More Info
USAA
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Get quotes
More Info
Allstate
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Get quotes
More Info
The AARP Auto Insurance Program from The Hartford
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Get quotes
More Info
Root
Root
52%
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
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More Info
Liberty Mutual
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Get quotes
More Info
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