Reviews Report
- Esurance has been integrated into Allstate; new policies and telematics discounts run through Allstate (Drivewise) and service is provided via the Allstate Mobile app.
- Today’s satisfaction benchmarks reflect Allstate’s performance in the latest J.D. Power U.S. Auto Insurance Study, while regulator-verified complaint indexes for Esurance’s underwriting companies are available from the NAIC.
Esurance is a subsidiary of Allstate and specializes in providing affordable and bundled insurance premiums online. Esurance is a leading insurance company brand that has been folded into Allstate’s direct-to-consumer platform under its Transformative Growth strategy; new quotes and policies are issued through Allstate. Existing Esurance customers manage payments, claims, and policy changes via Allstate’s digital tools. While Esurance is not the largest auto insurance company in the United States, today’s customer experience is best represented by Allstate’s service, claims, discounts, and digital support.
Esurance Car Insurance Overview
Esurance’s standalone digital tools have been consolidated under Allstate; customers now use Allstate Mobile and allstate.com to manage policies, pay bills, access ID cards, and file claims. For complaints, regulators continue to track Esurance Insurance Company (NAIC 25712) and Esurance Property and Casualty Insurance Company (NAIC 29424) in the NAIC Consumer Information Source. The NAIC Complaint Index is normalized to 1.00 (values above 1.00 indicate more complaints than expected after adjusting for market share; below 1.00 indicate fewer), enabling standardized comparisons across insurers.
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Esurance Car Insurance Highlights
Esurance’s Car Insurance Bundling Discounts for Cheaper Insurance
Because Esurance has been integrated into Allstate, new quotes and bundling are handled through Allstate. Existing Esurance customers may qualify for multi-policy and multi-car savings, and can add renters coverage through Allstate where available. Discount types and availability vary by state and policy.
Esurance Car Insurance vs. The Competition
| Provider | AM Best | J.D. Power Customer Satisfaction* | No. of Discounts |
|---|---|---|---|
| Esurance | A+ | N/A (see Allstate) | Varies (legacy) |
| Geico | A++ | Varies by region (2025) | Varies by state |
| Progressive | A+ | Varies by region (2025) | Varies by state |
| USAA | A++ | Typically among highest; not rank-eligible | Varies by state |
Information current as of 2025
*J.D. Power’s 202 Auto Insurance Satisfaction Study reports regional scores on a 1,000-point scale; consult the latest release for current standings.
Esurance vs. Geico
Since Esurance has been folded into Allstate, comparisons should be made to Allstate versus Geico. Both emphasize strong digital experiences and telematics (Allstate Drivewise vs. Geico DriveEasy). Bundling options and discounts vary by state; both offer multi-car and multi-policy savings, though eligibility and partner arrangements differ.
Esurance vs. Progressive
Compare Allstate (Esurance’s successor) with Progressive: both provide broad coverage and robust digital tools. Progressive highlights Snapshot telematics and pricing features like the Name Your Price tool, while Allstate offers Drivewise and a pay-per-mile option (Milewise) in select states; both offer rideshare and other add-ons where available.
Esurance vs. USAA
The primary difference between USAA and Esurance (now serviced under Allstate) is eligibility: USAA serves military members, veterans, and eligible family. USAA typically earns among the highest customer satisfaction in J.D. Power studies but is not rank-eligible in regional rankings.
Esurance FAQ
Methodology
We evaluated Esurance (now serviced under Allstate) based on discounts, coverage, digital resources, financial strength, customer satisfaction, and regulator complaint data to create our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed the following:
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2021 Auto Insurance Satisfaction Study (1,000-point scale) and treated Allstate’s regional results as the current proxy for Esurance.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.
