packages, its tailored options, special discounts, and user-friendly experience make them a popular choice for drivers looking for alternatives to big-name policy providers.
Esurance insurance rates are higher than average compared to competing auto insurance companies.
Esurance effectively utilizes online services and policy management options, making it a convenient choice for tech-savvy insurance shoppers.
Esurance offers a 5% discount on your first policy when you request your free quote online, but its overall discount offerings are limited to college affiliations.
Esurance Insurance costs are above average
The cost of your Esurance policy quote will depend on several factors:
will cover you up to your policy limit for the cost of any medical expenses like health insurance deductibles, doctor visits, and medical treatments for you or your passengers that result from an accident.
Personal injury protection (PIP) coverage: Similar to medical payments coverage,
is an optional insurance upgrade that will help cover you in situations where you are behind the wheel. This can include collisions with other vehicles and objects as well as certain single-car accidents like rollovers.
will help protect you from out-of-pocket medical bills if you're injured in an accident caused by a driver who does not have sufficient liability coverage.
plan that you can add to your policy to get access to up to $75 of emergency roadside services per breakdown. This could include any of the standard roadside assistance services like door unlocking, fluid delivery, tire changes, towing, and battery jump starts.
Carmatch rental coverage: If you subscribe to this policy option, you will receive
of your vehicle and what is left owing on your existing lease or loan. Depending on your policy limit, Esurance might offer you up to 25% more than the actual value of your car to help you cover your remaining payments.
is a policy add-on tailored for drivers who work for Uber and Lyft to help cover the gaps in your company’s policy. The SmartShare plan is currently only available in three states: California, Illinois, and New Jersey.
, the Switch and Save discount will take 5% off the price of your new policy. You will still have to be insured with your previous company in order to be eligible, and the discount will no longer apply when you renew your premium.
The Pac-12 discount: The Pac-12 discount will help you save up to 15% on your car insurance if you are an alumnus or currently a student at one of the Pac-12 Universities. You have to currently be living in
Education discount: Similarly, if you live in Arizona, Colorado, Oregon, or Utah and have obtained a certain level of education, you could be eligible for a discount of up to 15%.
Bundling discount: If you combine your homeowners insurance and auto insurance policies with Esurance, you could save by getting a combined deductible—so if you have to file a claim against your home and one for your auto in the same policy term, you’ll only have to pay one deductible.
MORE: Cheap car insurance if you don’t have a college degree
Esurance vs. other insurance companies
Here’s how Esurance stacks up to two of its major competitors—Progressive and Farmers—in terms of car insurance quotes and service.
Esurance costs 18% more than Progressive on average
both offer plenty of intuitive online options that cater to a tech-friendly customer base. However, the average Esurance policy will cost about 18% more than a policy from Progressive.
On the other hand, Esurance offers some attractive introductory discounts that could make these offerings more competitive, not to mention its high customer satisfaction ratings in comparison to the average or below-average ratings that Progressive tends to amass.
Esurance costs 15% more than Farmers on average
Esurance specializes in efficient online services, while
takes a much more traditional approach to insurance sales, requiring their customers to speak to an agent to get a quote. Many people appreciate the convenience of Esurance’s online tools, but you can count on paying about 15% more for your policy when you choose Esurance over Farmers.
The bottom line: Farmers offers more tailored policy options and better rates, but Esurance offers higher quality online tools and easy discounts.
How customers rate Esurance auto insurance
Esurance has the following best and worst rankings:
Best customer ranking: Call Center Representatives
mobile app to offer their clients an automatic discount just for signing up for the program.
How it works: DriveSense tracks your driving habits, and Esurance will tailor a policy discount just for you as long as you meet the minimum program requirements. The app also provides personal insight and
If you don’t mind having your driving habits logged, this app presents an opportunity to improve your driving habits and save on your policy all in one.
The Takeaway: Esurance is right for tech lovers
Esurance is right for you if: You value the time-saving efficiency of online policy management and don’t mind paying more for your insurance premium.
Esurance is not the best choice for you if: You are looking for tailored policy options or aren’t comfortable navigating the ins and outs of the Internet.
Esurance car insurance rates are usually priced higher than the average insurance company. Even with discounts, it probably won’t be the best option if cost savings are a major priority.
The bottom line: Esurance doesn’t offer the most affordable insurance options, but it does offer convenient online policy management. If you’re having trouble deciding if Esurance is right for you, try using
just saved me $193/month on my car insurance. They literally found me the cheapest policies out there and with better coverage! Seriously, just sit back and watch Jerry work its magic.” —Rachel B.
Esurance has policies that are super easy to manage, and their customer service is incredible. There may be cheaper options depending on each customer's needs, but Esurance is a good choice.
Does Esurance have motorcycle insurance?
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Esurance motorcycle insurance is only available in the following states: