Luis Pazos 
Key Points:
- Esurance was bought by Allstate in 2011, but they still run as separate entities.
- Despite rumors in 2019 and 2020, Allstate hasn’t dropped Esurance.
- Esurance was created to be a budget-friendly insurance provider, aimed at competing with GEICO and Progressive.
- The company makes getting an online quote easy and offers multiple discounts to help save on premiums.
About Esurance:
Esurance started in 1999 and was acquired by Allstate in 2011. While it’s part of Allstate, they operate separately. Although Esurance wasn’t rated in the latest J.D. Power auto insurance study, it has a 3.9 out of 5-star rating on Consumer Affairs from over 1,300 reviews.
If you’re shopping for a new auto insurance policy, you’re probably wondering if Esurance is worth considering. Let’s look at how their policies are structured and decide if it’s the right choice for you.
Esurance Car Insurance Rates:
Here are sample rates for different drivers based on quotes from Houston, Texas:
For a liability-only policy with limits of 30/60/25:
- Male, 23: $186.43/month
- Female, 23: $171.10/month
- Male, 53: $145.78/month
- Female, 53: $142.78/month
For a policy with added uninsured/underinsured motorist and collision & comprehensive coverage:
- Male, 23: $485.31/month
- Female, 23: $418/month
- Male, 53: $290.05/month
- Female, 53: $283.98/month
For a higher liability limit policy of 100/300/100:
- Male, 23: $260.40/month
- Female, 23: $245.74/month
- Male, 53: $180.26/month
- Female, 53: $174.93/month
With added uninsured/underinsured motorist and collision & comprehensive coverage:
- Male, 23: $464.97/month
- Female, 23: $417.17/month
- Male, 53: $324.54/month
- Female, 53: $315.54/month
These quotes are based on 2018 Toyota Camry drivers with clean records, each driving about 12,000 miles a year.
Unique Features of Esurance:
- Rideshare Coverage for Uber and Lyft drivers.
- Esurance Mobile App to manage your policy, pay bills, and file claims.
- DriveSense Savings Program that gives discounts based on your driving habits.
- Flexible Coverage Options to customize your policy to fit your needs and budget.
- Photo Claims feature in the mobile app to file claims by taking photos.
Esurance Car Insurance Discounts:
Esurance offers various discounts:
- Full Payment Discount for paying six months upfront.
- Good Student Discount for students with good grades.
- Multiple Policy Discount for bundling policies with Esurance.
- New Customer Discount averaging $462 in savings.
- Safety Features Discount for cars with anti-lock brakes and airbags.
- Low Mileage Discount for infrequent drivers.
- Multiple Vehicle Discounts for insuring more than one car.
- Safe Driving Discounts for maintaining a clean driving record.
- PayPal Discount for eligible transactions.
- Online Shopper Discount just for shopping online.
Who Esurance is Best For:
Esurance may be ideal for:
- Rideshare drivers wanting extra protection.
- People looking to bundle insurance policies.
- Those who prefer managing insurance via a mobile app.
- Customers who can take advantage of multiple discounts.
- Drivers looking to use the DriveSense program for additional savings.
- Individuals wanting additional coverage options such as roadside assistance or gap coverage.
Compare with Other Insurance Companies:
It’s always a good idea to compare quotes from at least three or four other providers to find the best deal. Here’s a quick comparison:
GEICO, Liberty Mutual, and Allstate all offer similar coverage options and discounts. Each company has unique strengths and focuses, so check their specifics along with customer ratings and financial strength to find the best fit for you.
What to Know About Esurance Car Insurance:
Esurance offers a variety of customizable coverages:
- Collision & Comprehensive Coverage for accidents and non-accident-related damage.
- Emergency Roadside Assistance.
- Rental Car Coverage.
- Loan/Lease Gap Coverage.
- Medical Payment and Personal Injury Protection.
- Liability Coverage for bodily injury and property damage.
- Uninsured/Underinsured Motorist Coverage.
You can adjust policy details to only pay for what you need and find the right balance of premiums and coverage.
Esurance FAQ:
- Are Esurance and Allstate the same? Allstate bought Esurance in 2011, but they operate independently.
- How do I pay Esurance? Payments can be made by phone, on their website, or through the mobile app.
- How do I contact Esurance? They’re reachable 24/7 at 1-800-378-7262, through their online email form, or on social media.
- What types of insurance can I get? Auto, homeowners, renters, and motorcycle insurance.
Bottom Line – Esurance Car Insurance Review:
Esurance, backed by Allstate, offers competitive rates and numerous discounts, making it a solid choice for many drivers. However, always compare quotes from multiple providers to ensure you get the best coverage and savings.
Review Process:
Our reviews combine information from insurance companies with customer feedback to provide a balanced and thorough evaluation. Each company gets rated on multiple criteria, leading to an overall star rating from one to five. For more on our review process, see our editorial guidelines and disclaimer.
