experts conducted one of the nation's most extensive reviews to collect car insurance information over 18 months. We surveyed over 18,000 policyholders from all 50 states, asking them about their experience with their insurance company’s customer service, renewal process, claims handling, and more.

Verified Esurance policyholders ranked the company in the following ways:

4.1

265 Reviews

5 Stars

53.21%

4 Stars

19.62%

3 Stars

16.98%

2 Stars

6.42%

1 Star

3.77%

So, is Esurance a good insurance company?

Overall, yes.

In our analysis of hundreds of Esurance reviews, we found that 67% were overwhelmingly positive, while only 10% were negative.

In comparison with the national average of 64% positive reviews to 18.54% negative reviews, Esurance is doing well, although they could do more to win over customers on the fence.

The good: Esurance policyholders found buying and renewing their car insurance policies quite straightforward.

Competitive prices

Convenient app

On the other hand: While it doesn’t do awfully in any one category, there’s nothing special about Esurance’s claims, customer service, and costs, which are all average.

Jump to:

Esurance Car Insurance Reviews

Esurance Pros and Cons

Our survey asked policyholders about Esurance's cost, customer service, claims process, purchase, renewal, and overall satisfaction.

Here are Esurance's ratings compared to the national average of all the companies featured in our survey:

Criteria	Esurance's Rating	Industry Average
Overall	4	4.1
Cost / Price	3.5	3.8
Claim Experience	3.5	3.5
Customer Service	3.9	4
Renewal Experience	4.2	4

Esurance launched in 1999 as a lightweight, purely online car insurance company. It’s backed by Allstate, the country's fourth-largest car insurance company, but only employs 2,000 people in

San Francisco

Of course, it wouldn’t be fair to compare Esurance to its parent company or other industry titans. That’s why we divided all the auto insurance providers in our survey by size. Here’s how Esurance performs in the context of its peers:

Critera	Esurance	Score Out Of
BBB Rating	C+	A+
NAIC Rating	3.94	6
Clearsurance	4	5
A.M. Best Rating	A+	A++
IOS App Store Rating	4.5	5
Google Play Store Rating	4.3	5

Please note* that a greater NAIC score indicates increased risk.

Esurance car insurance reviews

See what real Esurance car insurance customers have to say about their insurance company in their own words:

Esurance pros and cons

Our analysis included our national insurance customer satisfaction survey and public third-party rankings from the Better Business Bureau (BBB), National Association of Insurance Commissioners (NAIC), and other leaders.

Overall, we’d say Esurance excels in sales and renewals but could improve its customer service and claims. Here are the highs (and the lows) when it comes to buying a car insurance policy from Esurance:

Pros

A+ rating from AM Best

B rating from the BBB

Convenient free quotes

Easy-to-use website and app

Cons

Miscommunications in customer service

Small selection of products and discounts

Is Esurance the right insurance company for you?

Esurance is a great pick for:

Drivers who like Allstate but want lower rates

Tech-savvy customers who prefer to manage things electronically

Keep in mind: Esurance’s lack of customer service and coverage options might not endear it to drivers who prefer a one-stop shop for all their property.

Esurance’s online-only business model makes its plans competitive and easy to buy. It operates in 48 states, including

Texas

Florida

, and the company’s home state of

California

The company’s slim list of products includes:

Auto insurance

Homeowners insurance

Motorcycle insurance

Renters insurance

You can see how we rate Esurance's car insurance services by clicking the buttons below.

MORE:

9 questions to ask when comparing car insurance quotes

Is Esurance car insurance expensive?

Esurance’s rates rank competitively with drivers of different credit scores, insurance histories, and driving records.

In our survey of hundreds of Esurance auto insurance reviews, one in five policyholders mentioned cost directly. Around 64% of the reviews were positive and 29% were negative.

Like most car insurance groups, Esurance offers the best rates to safe drivers with high credit scores.

Compared to other insurance companies of similar size, Esurance placed 11th in the category of insurance cost satisfaction. Customers gave it 3.5 points out of 5.0, slightly lower than the national average of 3.8.

Compared to other competitors in our study, Esurance scored:

Esurance Policy Cost Rating	Ranking	Industry Average
3.5	11	3.8

Keep in mind: Insurers offer quotes based on individual driver profiles. Two customers are likely to receive very different car insurance quotes from the same company.

calculate its car insurance rates

, Esurance uses a complicated formula based on factors such as:

Age and demographic

Car insurance history

Driving record

Experience level

Household members of driving age (and

whoever you add to your policy

)

Policy coverage limits

Policy coverage type

Vehicle make, model, and year

ZIP code

Every insurance company uses its own formula, but we can see some general cost trends grouped by state.

Esurance cost reviews

Check out how real Jerry users rated Esurance based on cost below:

Will Esurance raise your rates?

At Esurance (and every other car insurance provider), you’re likely to pay a little more every time your

car insurance renews

However, there are several cases where your rates may jump more significantly:

The inflation rate rises

You add a new driver to your policy

You add a new vehicle to your policy

You change your address

You’re involved in a car accident

You receive a traffic ticket

Esurance's renewal process scored 4.2 out of 5.0, its highest score in any one category.

Does Esurance resolve claims fast?

Esurance’s virtual appraisal and online claims process simplifies the filing process, but its adjusters weren’t very communicative.

Consumers found Esurance's claims process to be decent, rating it 3.4/5 for efficiency and overall satisfaction. However, the average rate of claims satisfaction for every company we surveyed is 3.54, putting Esurance in the bottom half of the roster.

Esurance Claims Resolution Rating	Ranking	Industry Average
3.5	14	3.5

Customers expect a swift and fair resolution once they

file a car insurance claim

with their provider. Ideally, the adjuster should be in touch throughout the process and communicate the terms and limits of the customer’s auto insurance policy—and their decision—clearly and transparently. Esurance has a little work to do in this area.

Esurance claims reviews

Here’s what it’s like to file a claim with Esurance, according to real customers:

Does Esurance have good customer service?

Esurance's policyholders reported prompt customer service, but occasional miscommunications.

One motorist called Esurance’s customer service department is “average at best”. In terms of overall ratings, survey respondents rated Esurance’s customer service department a 3.8/5. Compared to the national average (3.9), the company is only just keeping up.

By contrast, the consumers who liked Esurance’s insurance agents appreciated that their quotes and responses came “within a matter of days”.

Esurance Customer Service Rating	Ranking	Industry Average
3.9	14	4

Esurance customer service reviews

You can weigh both sides by looking through the reviews below:

Esurance car insurance discounts

Thanks to Allstate, Esurance offers an extensive range of

car insurance discounts

. Sadly, it doesn’t yet offer a

diminishing deductible

reward.

Getting a great deal often requires no more effort than making a single phone call. You could be eligible for savings based on your age, mileage, driving record, or even your marital status!

Esurance offers programs like:

Anti-lock brakes discount: ABS-equipped cars are safer and qualify for lower insurance rates.

Bundle discounts:

Combine your auto insurance policy with condo, homeowners, or renters insurance (plus emergency roadside assistance) to save.

DriveSense:

Esurance’s DriveSense app (not to be confused with

Allstate’s Drivewise app

) tracks your driving habits and rewards good behavior accordingly.

Early Signing Discount: Esurance offers a small discount if you sign your agreement seven or more days before it takes effect.

eSmart discount: Save money while viewing your documents online with eSmart, Esurance and Allstate's paperless billing system.

EZ Pay Plan discount: Customers who set up automatic payments receive a discount from Esurance.

FullPay discount: With Allstate's FullPay program, you'll pay less overall when you pay your premiums in a lump sum.

Good student discount:

After completing a teenSMART driver's ed course, single drivers under the age of 25 can save with Esurance.

New car discount: Get a special Esurance insurance rate when you buy a new car.

Responsible payer discount: Esurance will reward you if you’ve avoided cancellation for non-payment in the past year.

Safe Driving Bonus:

Esurance will credit your account every six months you avoid a car accident.

Vehicle anti-theft device discount:

You may be able to save money by installing an aftermarket alarm or other vehicle security product.

For the most updated information (and to find out whether you qualify for a discount), visit the Esurance website or call a representative.

Esurance coverage options

Esurance’s list of insurance products is spare—for example, there’s no rideshare insurance for Uber or Lyft drivers. However, it’ll meet your

state’s insurance requirements

, and you can find the most common

types of car insurance

, add-ons, and extra coverage options on their website:

Collision coverage

is a no-fault coverage option that repairs your car after an accident with another vehicle or stationary object.

Comprehensive coverage

provides a payout in the event of a fire, flood, vandalism, or theft. Pair collision and comprehensive together to get a

full coverage car insurance policy

Gap insurance

covers the difference between your lease or loan and your car’s insurance payout after a total loss.

Liability insurance

(covering

Bodily Injury Liability (BIL)

and

Property Damage Liability (PDL)

) pays for any damages you cause while driving. It’s mandatory in most states.

Medical payment (MedPay)

pays for you and your passengers’ medical expenses after an accident.

Non-owner insurance

acts as supplemental liability coverage whenever you drive a borrowed or rental car.

Personal Injury Protection (PIP)

covers you and your passengers’ hospital bills, lost wages, and related medical costs after a car accident.

Rental reimbursement

covers rental vehicle costs while your ride is in the garage.

Roadside assistance

offers 24/7 towing, winching, jumpstarts, battery charges, flat tire changes, and locksmith services.

SR-22 insurance

(or FR-44 insurance) is available for Esurance customers who need it.

Uninsured Motorist (UM) and Underinsured Motorist coverage (UIM)

pays for damages when the driver who struck you doesn’t have enough car insurance or isn’t carrying car insurance at all.

Esurance’s additional tools and services

You can manage your policy in the following ways:

Email: You can get in touch with customer service over email with a promised turnaround time of 24 hours.

Esurance mobile app: Esurance offers a

car insurance app

that allows customers to file claims, make payments, call roadside assistance, and access digital

proof of insurance

on the go.

Esurance website: Esurance policyholders can sign up for an online account to manage their payments, policies, and coverage.

Mail: You can send payments and paperwork to Allstate’s Texas office.

Phone: The toll-free claims line is open 24/7. You can call customer service Monday to Friday from 7:00 AM to 9:00 PM CST, and Saturday to Sunday from 7:00 AM to 7:00 PM CST.

Social media: Fittingly for an online company, Esurance is also present on Facebook and Twitter.

Call your local Esurance representative or visit the website for the latest information about tools, services, and savings.

FAQs

How reliable is Esurance?

Esurance is backed by Allstate, which has an AM Best financial strength rating of A+. In terms of financial stability, it’s very reliable.

Does Esurance give refunds?

Esurance issues refunds for its auto insurance policies, but they aren’t complete. You’ll receive a pro-rated amount based on what you didn’t use, minus a cancellation fee of $30-$50.

What does Esurance cover?

Besides auto insurance, Esurance also writes motorcycle, homeowners, and renters insurance policies. The company offers the most common types of auto insurance coverage, including liability, collision, and comprehensive options.

Which company is best for vehicle insurance?

The best company for vehicle insurance changes depending on what kind of driver you are. You’ll need to compare quotes to get an accurate idea of which company is the cheapest and do your research to find out if they have what you need.

Who took over Esurance?

Esurance was taken over by Allstate in 2011. Thanks to its parent company, Esurance now offers more robust customer service and claims processing departments, plus a wider selection of discounts.

Read all Esurance car insurance reviews

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 18,000 customers surveyed and 120 carriers reviewed in the past 18 months). We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record. For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet Our Experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.