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

Esurance vs. The General

Last updated:

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

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.

  • Customized coverage
  • 24/7 claims service
  • Convenient mobile app

Our top pick: Esurance

Convenient online quotes, coverage and claims for tech-savvy drivers.

  • Online quotes in minutes
  • Competitive pricing
  • A+ BBB rating
The General

The General

Esurance

Esurance

About the provider The General specializes in budget-friendly insurance plans for drivers who may be deemed “risky” elsewhere. Conveniently selling directly to customers online, insurance can be approved and put a driver on the road in no time. 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 The General 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 46 43 states
User satisfaction* A+ A+
J.D. Power ratings** N/A 3/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

The General

The General

Esurance

Esurance

Good student Up to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driver Up to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driver 30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discount
Multicar
Military
Homeowner
Other discounts

Vehicle discounts

The General

The General

Esurance

Esurance

Anti-theft device 5-25%
Anti-lock brake 5%
Passive restraints 2-33%
Air bag
Other discounts New vehicle discount

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
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site