In this guide

  • Our verdict
  • Details
    • Product details
    • Discounts
  • Your reviews
  • Ask an expert
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Esurance car insurance review 2023

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Finder score
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.


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


  • Hidden fees
  • Direct online company
  • Autopay required

In this guide

  • Our verdict
  • Details
    • Product details
    • Discounts
  • Your reviews
  • Ask an expert'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


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


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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