Reviews Report
- Esurance no longer operates as a consumer-facing brand; existing Esurance policyholders are serviced by Allstate, and Esurance-named insurers function as subsidiaries within Allstate’s property‑liability group (Allstate 10‑K).
- Esurance’s original digital-first, self-service model has been folded into Allstate’s direct and agent channels—quotes, purchases, service and claims now occur under the Allstate brand (independent 2025 update).
- In 2019, Allstate announced plans to consolidate brands and phase out Esurance; the Esurance brand was subsequently discontinued as part of Allstate’s Transformative Growth, and new business is written under Allstate while legacy Esurance customers are serviced by Allstate (company announcement).
Esurance became part of Allstate and was later folded into the Allstate brand under the Transformative Growth plan announced in 2019 and implemented in 2020–2021. Today, Esurance no longer sells new policies; shoppers get quotes and buy coverage through Allstate, and existing Esurance customers manage their policies and claims with Allstate (Allstate Transformative Growth; 2024 10‑K).
Esurance Insurance Overview
| J.D. Power Customer Satisfaction Score J.D. Power scores are based on surveys for customer satisfaction and product quality. | AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | States Available | ||
|---|---|---|---|---|
| Pin Auto insurance | N/A | A+ (Superior) | 42 | |
| Pin Home insurance | N/A | A+ (Superior) | 42 | |
| Pin Life insurance | N/A | N/A | N/A |
Esurance Auto Insurance
Esurance no longer sells new auto insurance policies; shoppers are routed to Allstate for quotes, purchases and service. Existing Esurance auto customers can continue to manage policies and claims digitally, and Allstate offers the typical coverages you’d expect (liability, comprehensive and collision, and state‑specific PIP where applicable) plus options like roadside assistance and gap coverage (Allstate 10‑K; NerdWallet 2025).
Esurance emphasized a fast, photo‑enabled claims process in its app, and those core features remain for legacy customers. New capabilities and servicing are centered on the Allstate Mobile app; many claims can start with photos and, when eligible, receive expedited digital payments (Allstate Mobile; CCC Crash Course 2024).
Currently Esurance is not rated in J.D. Power’s latest U.S. Auto Insurance Study. For complaint data, see the NAIC’s Consumer Information Source for the most recent Private Passenger Auto Complaint Index for Esurance; 1.0 equals the industry average (NAIC CIS; J.D. Power; methodology).
Strengths: Backed and serviced by Allstate, one of the largest U.S. auto insurers, with robust digital self‑service. You can handle most policy tasks on mobile, including filing a claim and paying your bill; ongoing feature development is focused on Allstate Mobile.
Restrictions: Esurance no longer sells new auto insurance in any state; new policies are written under the Allstate brand (direct and agent channels).
Discounts: Former Esurance customers now align to Allstate’s programs—multi‑policy bundling (e.g., auto + home, advertised as “save up to 25%,” varies by state), Drivewise telematics for safe‑driving rewards, and where available, Milewise pay‑per‑mile for low‑mileage drivers (Allstate discounts; Drivewise; Milewise).
Esurance Home Insurance
Esurance homeowners policies are no longer sold to new customers; Allstate provides the replacement offering. Typical coverages include dwelling, other structures, personal property and liability, with optional higher limits for valuables (availability varies by state and policy form). Existing Esurance customers are serviced by Allstate.
Legacy Esurance policyholders can still use the mobile app to manage policies and start claims with photos, while new feature development and digital tools are delivered via the Allstate Mobile app (Esurance Mobile (Android); Allstate Mobile).
While there are no J.D. Power customer satisfaction ratings published for Esurance home insurance in the latest study, complaint activity can be reviewed via the NAIC Consumer Information Source; consult the most recent Homeowners Complaint Index and closed-complaint counts for context (latest NAIC Complaint Index (homeowners)).
Strengths: Backed by Allstate’s scale and support, with digital self‑service for routine tasks and access to customer service agents when needed.
Restrictions: Esurance no longer sells new homeowners policies; check Allstate for availability and specific coverages in your state.
Discounts: Home and auto bundling discounts are available under Allstate’s programs (Allstate advertises up to 25% savings for qualifying auto + home bundles; actual savings vary by state and risk).
Esurance Life Insurance
Esurance does not offer life insurance. Allstate no longer underwrites new life policies; instead, it distributes term, whole and universal life through partner insurers via its agents and website. For details, see Allstate’s life insurance page and background on Allstate’s sale of its life subsidiaries (transaction coverage; Everlake background). For consumer satisfaction benchmarks by issuing carriers, refer to J.D. Power’s latest U.S. Individual Life Insurance Study.
