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Esurance vs. The General: Discounts, quotes, and comparison

Esurance vs. The General

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You’ve narrowed your potential insurers to Esurance and The General. But which one should you pick?

Esurance is a relatively new player in the insurance market, founded in 1999. Since its inception, it’s gained a lot of traction through its accessible online insurance. Today, it’s owned by Allstate.

The General caters to drivers whom other insurers may classify as “high risk.” The company claims to provide affordable premiums, even though insurance for riskier drivers tends to be more expensive. In contrast to other high-risk insurance providers, The General maintains a stellar rating from the Better Business Bureau.

Our top pick: Esurance

Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

  • See your online quote in minutes
  • Save with low base rates and discounts up to 40%
  • Easily qualify, even as a high-risk driver
  • Access convenient mobile claims filing
 

Esurance

The General

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. Snag affordable coverage for high-risk drivers, a marketing claim backed by our rate analysis which showed premiums less than $80 a month.
States served
States served All states except AK, DE, HI, MT, NH, VT, WY All states except Hawaii, Massachusetts, Michigan and New Jersey

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Included free Optional
New car protection
New car protection Yes No
Accident forgiveness
Accident forgiveness No No
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
In-person
Phone
App
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 Yes
Home owner discount
Home owner discount Yes Yes
Military discount
Military discount Yes Yes
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 No
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

If you have no trouble finding insurance, compare multiple providers. Esurance and The General promise low prices, but it’s always worth shopping around.

Both insurers cover about the same number of US states. Esurance covers 43 states, while The General covers 46.

The General is a lightweight in cost reductions, offering a discount only if you pay in full. Esurance, on the other hand, offers a pay-in-full discount as well as promotions like good-student, defensive-driver and good-driver discounts.

Compare alternatives to Esurance and The General

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
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.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
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.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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