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Esurance car insurance review May 2021

Last updated:  

Compare affordable, comprehensive coverage with this highly rated online provider.'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

Included free

Roadside assistance

New car protection

Accident forgiveness


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


  • Online quotes in minutes
  • Competitive pricing
  • Mobile claims filing


  • Hidden fees
  • Direct online company
  • Autopay required
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

Review by

Roslyn McKenna is an insurance expert who's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

Committed to a modern approach to insurance, Esurance sells car and home insurance online and by phone. This provider is highly respected for its reasonable rates and excellent customer service. Its innovative business model also includes a strong financial backing by Allstate.

However, you won’t have access to local agents, and you could face steep cancellation fees if leave the insurer before your contract ends. Esurance also keeps it customer experience primarily online, using an intuitive website and mobile 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.

How to apply for Esurance

Getting coverage only takes minutes online or over the phone.


  1. Go to the Esurance website.
  2. Click Start a new quote.
  3. Enter your ZIP code, then click Get a quote.
  4. Fill in your name, address and date of birth, then click Continue.
  5. Enter your vehicle information, including make, model, usage and VIN, then select Continue.
  6. Add driver information for anyone you want to insure, then click Continue.
  7. Review your info and coverage details, then click Continue online to finish purchasing coverage.

By phone

If you’d rather apply for auto insurance with Esurance by phone, you can start the process by calling 800-378-7262 and speaking with a representative.

What discounts can I get with Esurance?

Esurance offers a ton of discounts to help bring down the cost of your policy:

  • Good driver. Save up to 30% to 40% on your auto insurance with Esurance if you have one or fewer penalty points on your driving record. Get another discount of up to 10% if you meet the age requirement in your state and take a driver safety course.
  • Good student. Save up to 10% on certain coverage if you’re a student under 25 who maintains a 3.0 GPA or B average.
  • Multiple cars. Receive discounted rates when you insure more than one vehicle under the same policy.
  • Bundling. Receive a discount for bundling homeowners or motorcycle insurance with your auto insurance policy.
  • Online quote. Save 5% by starting a quote online with Esurance.
  • Paid in full. Save up to 10% by paying your policy premiums in a single, lump-sum payment.
  • Safety device. Save between 5% and 25% when insuring a vehicle with manufacturer-installed airbags or automatic seat belts. Having antilock brakes can net you another 5%. And save another 5% to 25% for having an antitheft system.
  • Switch and save. Get a 5% discount for two policy terms just for switching from your current auto insurance to Esurance.
  • Telematics. Download the DriveSense mobile app for an initial discount of 5% and keep using it after your first policy term to earn a personalized discount based on your driving habits.

What coverage can I get with Esurance?

Esurance offers a full suite of auto insurance policies and a number of tools to help you find the coverage that’s right for you.

  • Bodily injury and property damage liability. Protects you and other drivers if you cause an accident.
  • Collision. Pays for repairs to your car if you’re in an accident, regardless of who’s at fault.
  • Comprehensive coverage. Pays for car repairs if your car is damaged by something other than an accident — for instance, fire or vandalism.
  • Personal injury protection. PIP coverage varies by state but generally fills the gaps by covering indirect expenses like lost wages or nursing care after a car accident.
  • Uninsured and underinsured motorist liability. Helps with bills if you’re in an accident caused by an uninsured or underinsured driver.
  • Medical payments. Covers accident-related medical expenses, even if you’re a pedestrian.
  • Gap coverage. If an accident totals a car you’re financing or leasing, this coverage pays the difference between what Esurance will cover and the remainder of your existing loan or lease.
  • SR-22. Current and new policyholders can request that Esurance file this form for you for about $30. It could take up to two weeks to process the form, and needing an SR-22 typically causes a rate increase.

What extra benefits and add-ons does Esurance offer?

  • Roadside assistance. Pays for towing and roadside fees necessary after an accident.
  • Rental reimbursement. Pays for your rental car while your car is in the shop.
  • Guaranteed repairs. Esurance has a network of over 1,400 repair shops where repairs are guaranteed for life. Also provides access to a program that allows you to monitor progress on your vehicle.
  • Custom parts and equipment. Insures electronics and performance mods up to $4,000, like your stereo system, headrest TVs and that custom paint job that makes your car yours.
  • Teen telematics. Join DriveSafe and get a telematics device that pairs with a mobile app to help monitor your teen’s driving habits and limit smartphone use.

Esurance car insurance reviews and complaints

While Esurance is not officially accredited on the BBB website, it does hold an A- rating as of October 2020. However, there’s no shortage of customer complaints. Of almost 50 customer reviews, most are negative — and that’s not counting the 310 customer complaints in the last 3 years.

Many customers report issues with billing and collection issues, rate increases and poor customer service.

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What’s happening with the Esurance brand?

Allstate recently announced that it would be discontinuing the Esurance brand and merging it with the Allstate parent company brand. Current Esurance policyholders will keep their existing policies, but policies will be managed through Allstate instead of Esurance. Expect the merge to happen by the end of 2020. You can still get a quote from Esurance, but expect to be an Allstate customer by the end of the year.

Esurance car insurance quotes

Compare sample monthly rates for Esurance car insurance policies.

CaliforniaNew YorkGeorgia
18 year old male$1,057$8,585$3,283
18 year old female$1,035$7,665$2,566
25 year old male$473$3,625$1,014
25 year old female$466$3,407$859
35 year old male$340$2,423$548
35 year old female$335$2,926$563
45 year old male$333$2,423$548
45 year old female$334$2,937$587
56 year old male$314$2,220$505
56 year old female$311$2,433$488

Pros and cons of Esurance


  • First-rate website. Get auto insurance coverage easily in a matter of minutes — we tried it ourselves.
  • Competitive pricing. Policyholders praise its affordable rates, especially for those with excellent driving records.
  • Tools and programs. Esurance offers a suite of tools and programs to make it easier to get coverage, improve your driving habits and reduce your rates.
  • Mobile app. Esurance offers a great mobile app that gives you control over your policy. Make payments, adjust coverage, file claims and more.


  • Hidden fees. Customers complain about charges for check payments, paper statements and — more of a problem — Esurance will charge you to cancel your policy up to 10% of your remaining premium balance. It’s rare for insurers to charge cancelation fees.
  • No agents. Because Esurance is fully online, you won’t have a local agent to call or visit with policy concerns. You can still contact customer support for questions though.
  • Autopay required. To go through Esurance, you’re required to sign up for automatic withdrawals from your bank account.

How to contact Esurance

There are a number of ways you can reach Esurance, but you can start by visiting the Esurance website. Here are a few other ways you can get in touch:

  • Phone: Call 800-378-7262
  • Email: Use its online form
  • Facebook: @Esurance
  • Twitter: @EsuranceCares

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Frequently asked questions about Esurance

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.

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