finder.com's rating: 4.5 / 5
★★★★★
- Get a quote if you want cheap rates and a convenient online experience.
- Pick something else if you want to avoid autopay and cancellation fees.
- Offers some of the cheapest rates around to safe drivers
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Esurance car insurance review 2023
- Roadside assistance
- Included free
- New car protection
- Accident forgiveness
Our verdict
Check out comprehensive coverage and its app that customers love. But it's an online-focused service.
Committed to a tech-savvy approach, Esurance sells car and home insurance online and by phone. This insurance company is respected for its reasonable rates and excellent online tools, and it’s backed by Allstate’s strong finances. Esurance also offers a suite of coverage and discounts to boost customer’s protection for less.
However, you won’t have access to local agents, and you could face steep cancellation fees if you leave Esurance before your contract ends. The company also keeps its customer service primarily online, using an intuitive website and app to manage your account or file claims.
The online convenience is a plus for many drivers but a downside for those wanting more personal service. If that’s you, consider other car insurance companies with the services and coverage to match your needs.
Otherwise, Esurance is a solid option if you prefer low rates and self-managed policies. Eventually, it may merge with the Allstate brand, although you can still get quotes through the Esurance website as of 2022.
Pros
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Online quotes in minutes
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Competitive pricing
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Mobile claims filing
Cons
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Hidden fees
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Direct online company
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Autopay required
Details
Product details
| States served | Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin |
| Roadside assistance | Included free |
| Accident forgiveness | No |
| New car protection | Yes |
| Pay schedule | 12 months, monthly |
| Claims methods | Online, Phone, In-person |
| Rideshare coverage | Yes |
| SR-22 support | Yes |
Discounts
| Anti-theft device discount | Yes |
| Bundling discount | Yes |
| Defensive driving discount | Yes |
| Good student discount | Yes |
| Loyalty discount | Yes |
| Homeowner discount | Yes |
| Military discount | Yes |
| Safety device discount | Yes |
| Special employment discount | No |
| Usage-based discount | No |
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