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Esurance, an Allstate subsidiary, is an online-based insurer featuring car insurance and all its dealings on an online platform. Esurance is a good place to start your search for car insurance if you’re looking for a new policy as they present their offers along with competitor’s pricings for you to compare when you sign up for a quote. With more than a dozen ways to add on savings, this tech-friendly insurer is easy to navigate and find a policy.
If you’re a customer review researcher, however, you may be wary of the fact Esurance ranked lower than average in the 2019 J.D. Power overall customer satisfaction survey, though, for a couple of U. S. regions, overall satisfaction ranked tops.
- Easy online use
- Many discounts available
- Comparison with other providers
- High auto insurance satisfaction marks in several regions
- Lower-than-average customer satisfaction in general
- Minimal rideshare coverage for drivers
- No new car replacement coverage
The States Where Esurance Premiums Are Cheapest and Most Expensive
Data Source: Coverage.com
The Car Insurance Factors We Analyzed
Esurance claims drivers who switch to their company save an average of $462. Drivers are offered three options when filing for a quote, less coverage, standard coverage, and more coverage. One recent quote for a clean driving record for a 2017 Ford Focus in Arizona resulted in a quote for $103/month for less coverage, $114/month for standard coverage, and $125/month for more coverage. This was around $16/month more than the driver’s current Progressive car insurance policy.
Pricing can vary depending on factors you can’t control, like your zip code (if you live in a densely packed urban area, for example), age, gender, and marital status. It can also depend heavily on factors you can control, like your driving record.
In the J.D. Power 2019 U.S. Auto Insurance Study, Esurance excelled in some regions for overall customer satisfaction. It ranked first out of 17 insurers in the California Region, notching 847 out of 1,000 points and a 5 out of 5 “among the best” rating. It received another 5 out of 5 rating for the Florida Region, with 843 points, second only to its parent company Allstate (847 points). The only other region featuring Esurance was the North Central Region, where it scored a 3 out of 5, an average rating, with 818 points.
Esurance didn’t fare as well in the J.D. Power 2019 U.S. Auto Claims Satisfaction Study. The company landed near the bottom with a 2 out of 5 rating, beating out only three insurers out of 24 total. Esurance also has a much higher-than-average number of complaints based on the National Complaint Index. Esurance’s score is 3.18, with the number of complaints more than three times as high as expected in the market.
You can receive a car insurance quote and purchase a policy from Esurance in less than five minutes. Esurance searches for your vehicle history online for you, so you need minimal personal information to get your quote. If you want to talk to an agent, you can also call their phone number as you’re filling out the form online.
Esurance provides minimum requirement insurance, including liability coverage, collision coverage, comprehensive coverage, personal injury protection and MedPay, and uninsured/underinsured motorist coverage. You can also add on medical and funeral services payments, rental car coverage, loan/lease gap coverage, a glass deductible, towing and labor coverage, Carmatch rental coverage to get a rental car that’s most like your regular car, and customized parts and equipment coverage.
To determine how much liability coverage you need, Esurance has a guide. You’ll want to consider what’s required by law in your state, what your budget is, and how much you’re able to pay out of pocket for a deductible, and how much you can cover based on the auto insurance coverage limits you set.
Esurance is lacking in some comprehensive car insurance features you may be able to find with other insurers. For example, while Farmers offers new car replacement, Esurance does not. While State Farm offers rideshare coverage, Esurance only offers it in California, Illinois, and New Jersey. Deals, discounts, and add-ons
DriveSense from Esurance is an app that gives you a personalized discount based on safe driving habits. You get an initial discount of $9/month after enrolling. You can also get a discount for bundling auto and home insurance. Esurance also offers additional discounts that vary by state. One is the Fast 5 discount, where you can save 5% off your first-term premium for starting a car insurance quote online at Esurance.com. You may also be able to get multiple policies discounted when bundling, with each policy discounted, including a multi-car discount.
You can save up to 10% off your premium by paying it all at once rather than monthly. You may be able to get a claims-free discount, up to 25% off your premium, for going claims-free and DUI/DWI-free for at least five years. Esurance also provides a Good Driver discount, a Good Student discount, and various discounts for car safety devices.
Esurance Overview: Financial Strength, Availability, and History
Esurance might not be a household name, but its parent brand Allstate is the fifth most popular and third most famous insurance brand, according to YouGov. While its parent organization is top of mind for many Americans, YouGov ranks Esurance as the 27th most popular and 20th most famous insurance brand. Esurance also has an A+ financial strength rating from A.M. Best. In terms of longevity, Esurance is only about a couple of decades old, but its parent company Allstate launched back in 1931.
What it may lack in name recognition, Esurance makes up for in a generally positive reputation. When asked about Esurance, Americans had a 23% positive opinion, 9% negative opinion, and 44% neutral opinion according to one survey.
Esurance has an A- rating by the Better Business Bureau, with a 2 out of 5 rating from an average of 50 customer reviews. Recent customer complaints are focused on claims and adjustments, which is in line with Esurance’s J.D. Power reviews and overall auto insurance complaints. According to Consumer Affairs, Esurance has earned nearly 4 out of 5 stars based on 677 reviews. On TrustPilot, Esurance has earned a score of 2.9/5, with 29% of reviewers ranking the company as “Excellent” and 57% ranking it as “Bad” on a 5-point scale. In addition to being available to leisure drivers, Esurance has some coverage policies for rideshare drivers. The ShareSmart program has collision and comprehensive coverage for vehicles used with Uber and Lyft. Current coverage is only available in California, Illinois, and New Jersey, but the company says it is looking to expand. Drivers just pay one deductible, with Esurance covering the gap between their company’s liability insurance and their personal insurance.
In April and May of 2020, Esurance gave consumers a 15% refund for coverage due to the COVID-19 crisis.
- In business since: 1999
- States served: 43
- Standout features: Tech-based platform, diverse discounts, ease of use, high customer satisfaction ratings in several regions
|Esurance||Farmers Insurance||State Farm|
|A.M. Best financial strength rating||A+||A||A++|
|J.D. Power 2018 U.S. Auto Claims Satisfaction Study score||871/1,000||872/1,000||881/1,000|
|Supplemental coverage options||3||9||8|
|Number of discounts||18||15||11|
|Online claim filing||✔||✔||✔|
The Bottom Line
When you need basic car insurance, getting a quote from Esurance is a great place to start because you’re able to compare pricing to other popular insurance companies. Esurance is tech-focused , as well as convenient to any driver who wants to get quick car insurance on any connected device. Read the fine print of what’s included in your Esurance quote, however. If the coverage is lacking for your needs, a more comprehensive insurer may be a better fit.
Esurance Car Insurance FAQ
What other types of insurance does Esurance offer?
In addition to auto insurance, Esurance offers homeowners, motorcycle, renters, condo, ATV, health, life, and business insurance. Bundling home and auto insurance with Esurance provides cost savings.
How much car insurance do I need?
You’ll need whatever car insurance is required in your state, likely including property damage liability per accident, bodily injury liability per accident, and bodily injury liability per person. Additional coverage can help you lessen out-of-pocket costs in a future accident. Get more car insurance coverage recommendations here.
Where is Esurance car insurance coverage available?
Esurance car insurance coverage is currently available in 43 states.
What does Esurance car insurance typically cover?
Esurance provides collision coverage, liability coverage, comprehensive coverage, personal injury protection and MedPay, and uninsured/underinsured motorist coverage. Add-ons include glass coverage, loan/lease gap coverage, rental car coverage, medical and funeral services payments, customized parts and equipment coverage, towing and labor, and Carmatch rental coverage to get a rental car that’s most like your regular car.