Esurance Auto Insurance Review (2023) | AutoInsurance.org

UPDATED: Feb 9, 2023

Fact Checked

No accident forgiveness or new car replacement

Before buying a policy with Esurance, shop online and compare car insurance rates with other companies. Doing so will help you determine who offers the coverage you want at a price that works for you.

Esurance offers car insurance and an easy, user-friendly online option for buying a policy and filing a claim. However, the company has many customer complaints concerning the claims process.

Esurance has high rates compared to some well-known companies, and Esurance auto insurance quotes may not always include discounts. Still, you can compare Esurance quotes and coverage options to other companies in your area to find the best car insurance company for you.

If you’re searching for car insurance, you may want to consider Esurance. Esurance, owned by Allstate, offers auto insurance options entirely online, and the company is known for its easy online access and convenient mobile app.

Is Esurance, Inc. a Good Choice?

The Esurance mobile app is highly-rated, offering features that other insurance companies don’t have on their apps. Still, Esurance auto insurance reviews suggest the company has work to do regarding customer service and claims handling.

Many customers say the Esurance claim payout process takes too long and often becomes confusing or incorrect. Many also say filing a claim with Esurance on the mobile app can be more complicated than the company implies.

If you’re considering an Esurance policy, do your homework beforehand and read customer reviews to see whether the company is right for you.

Esurance Pros and Cons

There are several benefits of purchasing a car insurance policy with Esurance, including:

• An easy process for buying a policy online
• A convenient, self-serve mobile app
• User-friendly digital tools

Still, there are some drawbacks to car insurance with Esurance, like:

• Higher-than-average rates
• A significant number of customer complaints
• No accident forgiveness or new car replacement
• No local agents

Weighing the pros and cons of insurers you’re considering is the best way to find a company offering the right coverage for you at an affordable rate.

Esurance, Inc. Rates

While Esurance is supposed to be a company that cuts out the middleman to lower rates, coverage is often more expensive with Esurance than with other auto insurance companies.

Esurance Rates for Teen Drivers

Overall, teen drivers pay more for car insurance coverage, but rates with Esurance are overwhelmingly expensive. This table includes rates for teen drivers based on gender from the top insurance companies.

Average Monthly Full Coverage Auto Insurance Rates for Teen Drivers

Insurance Company16-Year-Old Male With a Clean Record16-Year-Old Female With a Clean Record18-Year-Old Male with a Clean Record18-Year-Old Female with a Clean Record

Allstate$638$608$519$448

American Family$480$390$390$288

Farmers$742$778$603$573

Geico$312$298$254$220

Liberty Mutual$778$716$633$528

Nationwide$476$411$387$303

Progressive$814$801$662$591

State Farm$349$311$284$229

Travelers$897$709$729$523

Average$610$558$496$411

Get Your Rates

Quote Now#blank##blank##blank##blank#

Female drivers pay 35% more than the national average for coverage, and males pay 27% more. USAA’s rates for teen drivers are around half what Esurance requires.

Esurance Coverage for Adult Drivers

Once people turn 25, they often notice a drop in car insurance costs. However, Esurance rates for young adults are still higher than the national average. Esurance rates are around $1,000 more than USAA’s rates.

Adults pay anywhere from 5% to 7% more than the national average for car insurance coverage with Esurance. Below is the average annual full coverage insurance for adults.

Average Annual Full Coverage Auto Insurance Rates for Adults

Age and GenderAllstateFarmersGeicoNationwideProgressiveState FarmNational Average

30 Y/O Male w/a Clean Record$2,118 $1,925 $1,041 $1,667 $1,633 $1,234 $1,646

30 Y/O Female w/a Clean Record$2,021 $1,843 $1,078 $1,519 $1,569 $1,122 $1,523

45 Y/O Male w/a Clean Record$1,919 $1,595 $962$1,376 $1,261 $1,032 $1,411

45 Y/O Female w/a Clean Record$1,941 $1,602 $958$1,355 $1,340 $1,032 $1,413

Get Your Rates

Quote Now#blank##blank##blank##blank##blank##blank##blank#

In most cases, Esurance’s rates for adults are double USAA’s rates for similar coverage.

Esurance Rates for Senior Drivers

Esurance car insurance rates for senior drivers are also higher than the national average. The table below shows the national average for senior drivers.

Annual Full Coverage Auto Insurance Rates for Seniors

Insurance Company55-Year-Old Male With a Clean Record55-Year-Old Female With a Clean Record60-Year-Old Male With a Clean Record60-Year-Old Female With a Clean Record65-Year-Old Male With a Clean Record65-Year-Old Female With a Clean Record

Allstate$1,820$1,841$1,847$1,797$1,878$1,900

American Family$1,251$1,237$1,190$1,175$1,291$1,276

Farmers$1,513$1,519$1,474$1,383$1,561$1,568

Geico$912$909$892$872$941$938

Liberty Mutual$1,959$1,929$1,890$1,758$2,022$1,991

Nationwide$1,305$1,285$1,253$1,189$1,347$1,327

Progressive$1,196$1,271$1,143$1,105$1,234$1,312

State Farm$978$978$912$912$1,010$1,010

Travelers$1,109$1,095$1,065$1,052$1,145$1,130

National Average$1,338$1,341$1,296$1,249$1,381$1,383

Get Your Rates

Quote Now#blank##blank##blank##blank##blank##blank#

Rates with Esurance are around $600 higher than those with GEICO.

Esurance Car Insurance After a Speeding Ticket

Auto insurance rates after a speeding ticket with Esurance are around $500 more annually than the national average. You can compare the top insurance companies’ rates after a speeding ticket below.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with a Traffic Ticket

Insurance CompanyRates with a TicketRates with a Clean Record

Allstate$188$160

American Family$136$117

Farmers$173$139

Geico$106$80

Liberty Mutual$212$173

Nationwide$137$115

Progressive$140$105

State Farm$96$86

Travelers$134$99

Average$147$120

Get Your Rates

Quote Now#blank##blank#

State Farm offers rates around $1,000 lower than Esurance.

Esurance Coverage After a Car Accident

If you have an accident claim on your driving record, you can expect higher-than-average rates for coverage. Still, Esurance car insurance quotes indicate the company’s rates are nearly 30% higher than the national average.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with an Accident

Insurance CompanyRates with an AccidentRates with a Clean Record

Allstate$225$160

American Family$176$117

Average$172$120

Farmers$198$139

Geico$132$80

Liberty Mutual$234$173

Nationwide$161$115

Progressive$186$105

State Farm$102$86

Travelers$139$99

Get Your Rates

Quote Now#blank##blank#

Esurance’s rates are nearly $1,200 higher than State Farm’s and double USAA’s.

Esurance Car Insurance After a DUI

Esurance coverage after a DUI is only around 2% higher than the national average. Let’s take a look at the cost of car insurance after a DUI from the top insurance companies.

Average Monthly Full Coverage Auto Insurance Rates for Drivers with a DUI

Insurance CompanyRates with a DUIRates with a Clean Record

State Farm$112$86

Progressive$140$105

Farmers$192$139

American Family$194$117

Travelers$206$99

Geico$216$80

Nationwide$234$115

Allstate$270$160

Liberty Mutual$313$173

Average$209$120

Get Your Rates

Quote Now#blank##blank#

However, you’ll pay around $950 more per year for car insurance with Esurance than with State Farm.

Esurance Rates for Drivers with Poor Credit

With a low credit score, you can expect to pay around 7% more than the national average with Esurance.

Average Monthly Full Coverage Auto Insurance Rates by Credit Rating

Insurance CompanyRates with Poor CreditRates with Fair CreditRates with Good Credit

American Family$203$136$116

Average$226$148$123

Farmers$269$161$140

Geico$148$100$82

Liberty Mutual$355$226$177

Nationwide$166$133$120

Progressive$206$138$109

State Farm$200$118$91

Travelers$194$128$107

USAA$129$76$63

Get Your Rates

Quote Now#blank##blank##blank#

GEICO’s rates are around $1,100 less per year for drivers with poor credit.

Minimum Coverage with Esurance

While minimum coverage can help people save money on their car insurance, minimum coverage options with Esurance are around 22% higher than the national average.

Top Auto Insurance Companies Average Monthly Minimum Coverage Rates

Insurance CompanyAverage Minimum Coverage Rates

Allstate$61

American Family$44

Farmers$53

Geico$31

Liberty Mutual$68

Nationwide$44

Progressive$39

State Farm$33

Travelers$37

Average$45

Get Your Rates

Quote Now#blank#

Esurance rates are around $700 more than GEICO’s rates for similar coverage.

Full Coverage Rates with Esurance

Esurance full coverage costs nearly 27% more than the national average. We’ve put together a list of all the top insurance companies and their full coverage rates for your comparison.

Average Monthly Full Coverage Rates for the Top Auto Insurance Companies

Insurance CompanyAverage Full Coverage Rates

Allstate$160

American Family$117

Farmers$139

Geico$80

Liberty Mutual$173

Nationwide$115

Progressive$105

State Farm$86

Travelers$99

Average$120

Get Your Rates

Quote Now#blank#

GEICO offers full coverage options for $800 less per year than Esurance.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Esurance, Inc. Discounts Available

Esurance doesn’t offer a comprehensive list of possible discounts, but common car insurance discounts include:

• Online quote
• Bundling
• Paid-in-full
• Multi-car
• Claim-free
• Homeowners
• AAA affiliation
• Good student
• Driver safety course
• Car safety features

You may qualify for additional discount options, so it’s a good idea to explore whether you’re eligible and how much you could save on coverage.

Esurance, Inc. Coverage Options

Esurance offers standard and add-on coverage types, including:

• Liability
• Collision
• Comprehensive
• Medical payments
• Personal injury protection
• Emergency roadside assistance
• GAP
• Uninsured motorcyclist
• Rental car

While Esurance offers specific add-ons like GAP coverage, the company doesn’t have other coverage types, like new car replacement. So if you know there’s a particular type of auto insurance coverage you’re looking for, familiarize yourself with Esurance’s options before purchasing a policy.

What is DriveSense with Esurance?

DriveSense is Esurance’s usage-based insurance program. Policyholders can use the Esurance app to allow the company to monitor their driving habits to lower their auto insurance rates potentially.

The Esurance app monitors habits such as acceleration, braking, hard turns, and when a person drives. Then, insurance rates adjust based on the driver’s inherent risk.

Frequently Asked Questions

What other types of insurance does Esurance offer?

Esurance offers the following types of insurance:

• Home
• Renters
• Motorcycle

Esurance also offers additional options for coverage via Allstate — its parent company — and other affiliates, including:

• Condo
• Commercial auto
• Umbrella
• Business
• Pet
• RV
• Boat
• Classic car
• Travel
• Life

Esurance offers various insurance types to cover the needs of many policyholders.

Where does Esurance offer car insurance?

Esurance offers car insurance in every state except Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, and Wyoming.

How do you file a claim with Esurance?

The best way to file a claim with Esurance is to use the company’s mobile app. You can also call 800-378-7262 for assistance.

How do you cancel an Esurance policy?

You have to call Esurance at 800-378-7262 to cancel your policy, and you may have to pay a $50 cancellation fee.

How do you get an Esurance quote?

You can use the Esurance website to get a quote based on your unique information.

Who owns Esurance?

Allstate owns Esurance.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All…

Full Bio →

Written by

Rachel Bodine
Feature Writer

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco.
To ensure our content is accura…

Full Bio →

Reviewed by

Daniel Walker

Licensed Auto Insurance Agent