Esurance Auto Insurance Reviews: Costs and Ratings (2023) – Insurify

Esurance car insurance coverage

Esurance offers various coverage options to protect you and your vehicle:

• Collision coverage: If you run your car into another object or someone damages your car with theirs, this coverage helps pay for repairs. 

• Comprehensive coverage: If your car is in a  non-collision-related incident, like theft or a hit-and-run, this coverage will pay for repairs or replacement.

• Emergency roadside assistance coverage: If you’re on the side of the road and need a tow or jump start, Esurance will cover up to $75 per incident to get you up and running again.

• Loan or lease gap coverage: If you total your car in an accident, this coverage reimburses you up to 25% more than your car’s actual cash value to pay the remainder of your car lease or loan, minus a deductible. 

• Medical payment (MedPay) or personal injury protection coverage: If you or your passengers sustain injuries in an accident, medical payments coverage helps with medical expenses, regardless of whether you were the at-fault driver. Some states require PIP coverage. 

• Property damage liability coverage: If you damage someone else’s property or vehicle, this coverage will pay for those repairs. It’s illegal to drive without this insurance in almost every state. 

• SmartShare rideshare insurance: If you work for a rideshare company, like UBER or Lyft, this insurance can cover the gaps that your rideshare company’s insurance may not. This coverage is currently only available in California, Illinois, and New Jersey.

• Uninsured or underinsured bodily injury liability coverage: If someone without insurance or enough insurance injures you in a car accident, this insurance will cover your medical expenses. 

• Uninsured or underinsured property liability coverage: If your car has damages from an accident where someone without insurance or enough insurance runs into you, this insurance will cover the repair costs.

How to get an Esurance car insurance quote

You can get an Esurance policy estimate in minutes by using its online quoting tool or calling 1-800-378-7262 to speak to a live representative.

Esurance car insurance cost by state

It’s crucial to look into your state’s vehicle insurance requirements to determine what coverages you need. Most states require liability insurance, and some states require personal injury protection insurance. 

Where you live will influence how much your policy will cost. For instance, with Esurance, you’ll see significantly costlier premiums in New York than in Ohio. 

State

Average Monthly Quote: Full Coverage

Average Monthly Quote: Liability Only

Arizona $166$125California$287$145Colorado $202$137Georgia $329$271Maryland$316$281Missouri $137$94New Jersey$287$272New York$693$827Ohio $131$98Pennsylvania $200$154Texas $250$193

Actual quotes may vary based on the policy buyer’s unique driver profile.

Esurance auto insurance rates by driving history

Insurance companies look at your driving history to estimate your likelihood of filing a claim. 

Drivers with a clean record will likely pay cheaper premiums than people with driving infractions.[1] For instance, with Esurance, drivers with a DUI may have two times more expensive premiums for full-coverage insurance than drivers with a clean driving history. 

Driving History

Average Monthly Quote: Full Coverage

Average Monthly Quote: Liability Only

Clean record$267$192With speeding ticket$358$258With at-fault accident$382$275With DUI$531$383

Actual quotes may vary based on the policy buyer’s unique driver profile.

Esurance car insurance cost by age

Your age will influence the cost of your policy. Insurers see teenagers as a liability since they have less experience on the road than older drivers.[1] Therefore, they usually have the costliest policies. 

At Esurance, drivers younger than 25 will pay more than $400 per month for a policy. Drivers older than 25 will pay slightly more than half of that. 

Driver Age

Average Monthly Quote

18$41025$22330$21140$19450$18960$16870$172

Actual quotes may vary based on the policy buyer’s unique driver profile.

Read More: Compare Car Insurance by Age and Gender

Esurance car insurance discounts

Companies offer discounts for various reasons, like owning an electric vehicle, being a member of an affiliated group, or automating your payments. Generally, to obtain information on discounts you might be eligible for from Esurance, you’ll have to go through the company’s quoting process. However, Esurance does promote its telematics program for drivers that can  potentially lower their rates. 

The DriveSense mobile app logs your miles and gives feedback on your driving performance. You get a rate reduction upon enrolling for the program, and your discount increases or decreases based on how safely it determines you drive.

Esurance bundling options

You can bundle two or more policies from the same insurance company to get a lower rate than you would with separate companies. Again, Esurance only advertises one bundling opportunity on its website. You can add renters insurance to your car insurance policy for additional savings. 

See Also: Bundle Home and Auto Insurance: Save With Discounts