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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?
- Rewards for safe drivers
- Basic to comprehensive
- Your own dedicated agent
Our top pick: Allstate
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
- Rewards for safe drivers, good students and more
- Get your own dedicated insurance agent
|About the provider||Allstate 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.|
|Price||Policy 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 served||All 50 states||43 states|
|J.D. Power ratings**||3/5 on overall claims satisfaction||3/5 on overall claims satisfaction|
|Driver discounts||View driver discounts||View driver discounts|
|Vehicle discounts||View vehicle discounts||View vehicle 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.
|Good student||Up to 20% (full-time student, under 25).||Up to 10% (full time student, under the age of 25 and a 3.0 GPA)|
|Defensive driver||Up 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 driver||Up 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 discount||Up to 10%|
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%
Having safety features on your car can lower the cost of your premium. Check out the vehicle discounts offered by Esurance and Allstate.
|Anti-theft device||Up to 10%||5-25%|
|Passive restraints||Up to 30%||2-33%|
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|
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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