Esurance vs. Allstate: Which provider is better?

Esurance vs. Allstate: Which provider is better?

Esurance vs. Allstate

Allstate acquired Esurance in 2000, but the two companies operate separately.

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?

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Allstate

Allstate

Esurance

Esurance

About the providerAllstate was founded in 1931 and aims to deliver quick service to get customers insured and on the road. 16 million households are currently being served by Allstate. In 2016, they were awarded The World’s Most Ethical Company by the Ethisphere Institute.Esurance, the online insurance company, is making its name known in the car insurance world, offering affordable coverage for just about any of your vehicles. It takes pride in a hassle-free experience, and customers respect its low rates and excellent customer service.
PricePolicy costs depend your personal situation. Visit Allstate for a quote based on your specific needs.Policy costs depend your personal situation. Visit Esurance for a quote based on your specific needs.
States servedAll 50 states43 states
User satisfaction*AA+
J.D. Power ratings**3/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

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Driver discounts

Paying for car insurance can be expensive. Don’t miss out on driver discounts from Allstate and Esurance that can significantly lower your rates.

Allstate

Allstate

Esurance

Esurance

Good studentUp to 20% (full-time student, under 25).Up to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driverUp to 10% — must be at least 55, complete at least 6 hours of defensive driving courses and have no violations or at-fault claims)Up to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driverUp to 22% — must have driven for at least 3 years without any violations or accidents. Goes up to 35% after 5 years.30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discountUp to 10%
Multicar
Military
Homeowner
Other discounts

Drivewise – Up to 20% cash back (based on everyday safe driving)

EZ pay plan discount – Up to 5% (automatic withdrawal)

Allstate eSmart discount – Up to 10% (sign up for ePolicy to view all insurance documents online)

Auto/life discount – Varies

Multi policy discount – Up to 10%

Early signing discount – Up to 10% (sign 7 days before policy becomes effective)

Good payer discount – Up to 5% (no cancellation notice for non-payment during the past 12 months)

Senior discount – Up to 10% (55+, not seeking full-time employment)

Safe drivers discount – Up to 45%

TeenSMART discount – Up to 10%

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Vehicle discounts

Having safety features on your car can lower the cost of your premium. Check out the vehicle discounts offered by Esurance and Allstate.

Allstate

Allstate

Esurance

Esurance

Anti-theft deviceUp to 10%5-25%
Anti-lock brake10%5%
Passive restraintsUp to 30%2-33%
Air bag
Other discounts

New car – Up to 30% (First owner, car under 2 years old)

Economy car – Up to 10%

Utility discount – Up to 15% (Utility vehicle with a model year of 2002 or prior)

Farm vehicle – Up to 10%

New vehicle discount

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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.

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