Esurance Car Insurance Review for 2022 – Kelley Blue Book

Esurance is among the most popular

Esurance is among the most popular car insurance options in the country. Now owned by Allstate, many benefits set Esurance apart from the crowd, including its user-friendly mobile app.

On the downside, Esurance is not the least expensive car insurance option out there, and its customer service ranks below average. 

Keep reading if you are shopping Esurance for your car insurance needs. Our review covers the answers to all the detailed questions you have about Esurance. Use our jump-ahead links below to skip to the section you need.

Which Types of Car Insurance Can You Get from Esurance? 

Esurance offers a variety of insurance coverage options suitable for most customer needs. Its auto insurance coverage includes:

• Liability coverage

  : Covers you in case an accident happens and you are at fault.

• Collision coverage:

  Makes sure the insurance covers your vehicle in case of an accident.

• Comprehensive coverage

  : Great in case an emergency occurs (storm, flood, or vandalism).

• Medical payments coverage:

  Pays the medical bills for you and passengers involved in the accident, regardless of who is at fault.

• Personal injury protection:

  Often referred to as “no-fault coverage,” this coverage pays your medical bills if an accident occurs, regardless of who is at fault, and often steps in before your health insurance.

• Emergency roadside assistance:

  Assists in case of a flat tire, dead battery, empty fuel tank, and much more (up to $75).

• ShareSmart coverage

  : In-between passengers coverage for rideshare company drivers like Uber and Lyft. 

• Loan/lease coverage:

  Covers the gap between what you owe and your car’s value if in a crash.

• Uninsured motorcyclist coverage:

  Takes care of all costs if the other party does not have the

  proper insurance

  or leaves the accident without giving information about their identity/insurance plan.

• Rental Car Insurance: Esurance also offers rental car insurance, which covers any damages incurred should you get into an accident with a rental car.

What are the Benefits of Esurance Car Insurance? 

So, depending on what you look for in an insurance company, Esurance can be a good fit for you. Specifically, if you want fast online insurance services with varied discount options, Esurance is a great option. 

What Discounts Can I Get with Esurance? 

Presently, Esurance offers some standard discounts with a few additions, including:

• Fast 5:

  A 5% savings discount if you collect a quote online

• Pac-12 Discount:

  If you are a student or alumni of the Pac-12 schools in Arizona, Colorado, Oregon, and Utah, you receive a 15% discount. These schools include Washington State University, the University of Colorado, and the University of Oregon.

• Switch & Save:

  If your insurance is from another company, you automatically receive a 5% discount when you transition to Esurance.

• Education Discount

  : Given to students in Oregon, Colorado, Arizona, and Utah and can amount up to 15%, regardless of what level of education they are at, as long as they live in the listed states

• DriveSense

  : You download an app, open it at least 50 times in six months, and drive safely is what qualifies you to get at least a 10% discount. The safer your driving, the higher your value. 

Esurance Car Insurance Costs

In contrast to discounts, depending on your age, whether or not you are married, how much you drive your car each year, and many other factors will affect your insurance cost.

However, on average, Esurance is considered a bit more expensive than others, with average annual policies of $2,364, according to Savvy. Savvy collects data from consumers’ current policies, including rate information, age, marital status, and other demographics.

The statistics offer a representative sample used as a general guide. See more about Savvy’s methodology.

Age Group
Gender
Marital Status
Average Annual Rate

25 to 34

female

single

$2,296.72

25 to 34

male

single

$2,317.24

25 to 34

female

married

$2,106.22

35 to 49

female

single

$2,447.41

35 to 49

male

single

$2,227.49

35 to 49

female

married

$2,525.12

35 to 49

male

married

$2,378.02

50 to 69

female

single

$2,016.49

50 to 69

male

single

$1,605.62

50 to 69

female

married

$2,366.51

50 to 69

male

married

$2,512.04

70 or Above

female

single

$1,744.93

70 or Above

male

single

$2,679.79

70 or Above

female

married

$2,096.05

70 or Above

male

married

$1,494.08

Source: Savvy

Lowest Rates for Age 50+

Overall, older drivers — those above 50 — can expect to pay the lowest rates for Esurance coverage. For example, most men and women, both single and married, can expect to pay between $124.51 and $174.67 a month for coverage on average.

Highest Rates for Age 18-24 

On the other end of the spectrum are the youngest drivers. According to Savvy, individuals between 18 and 24 should expect to pay between $212.36 and $264.28 a month on average for car insurance coverage with Esurance.  

What Else Can Impact My Esurance Premium? 

Esurance premiums can vary based on many factors, including how much you drive your car, where you live, your past driving record, and even your credit score. Let’s take a closer look.

How Much You Drive

How many miles you drive will affect your Esurance car insurance rate. The less time you spend behind the wheel, the lower your rate. According to Savvy, drivers that fall within the 3,000 to 5,999 miles a year bracket can expect to pay just $128.91 a month for Esurance on average. Those driving more than 20,000 miles a year will set aside $227. 

RELATED STORIES: Average Miles Driven Per Year: Why It Is Important

Mileage Buckets
Average Monthly Rate

3,000 to 5,999

$128.91

6,000 to 9,999

$222.44

10,000 to 11,999

$164.77

12,000 to 14,999

$157.48

15,000 to 19,999

$173.61

20,000 or Above

$227.00

Source: Savvy

Location

According to Savvy, the states with the cheapest insurance rates are Maine, Hawaii, Idaho, Wyoming, and Iowa. Those with the most expensive car insurance rates are New York; Rhode Island; Washington, D.C.; Maryland; and Louisiana.

DUI

Like other insurers, Esurance increases rates for drivers with DUI citations.

According to a study by The Zebra, a DUI typically increases insurance premiums more than any common driving violation. For example, a cell phone violation will get you a $288 premium increase, while speeding will bump up your rate by $308 on average. Reckless driving will result in a $1,034 rate bump, but a DUI will likely cost you about $1,086. 

A DUI will also make you ineligible for any good or safe driver discounts.  

Car Accident 

Causing a collision or another car accident will also impact your insurance premium at Esurance. 

According to The Zebra, most insurance premiums increase by 50% following a car accident. This penalty can last up to three years and add as much as $6,000 to $7,000 per year.

Credit Score

Unusually, in some states, drivers with very poor FICO scores pay up to 150% more for car insurance than their counterparts with exceptional credit. That’s the case in states like New York and Missouri. Esurance coverage is available in both of these states. 

This practice is rooted in some studies that have correlated poor and very poor credit scores with high-risk driving behaviors. However, this method has been deemed illegal in four states.  

How Satisfied Are Esurance Insurance Customers?

Although it offers a variety of insurance types and discounts, Esurance has received mixed customer satisfaction results. The most recent J.D. Power study on claims satisfaction gave the insurer an average rating. It did not rate it in customer satisfaction.

The National Association of Insurance Commissioners (NAIC) gave Esurance a poor rating. This rating signifies that the insurer received significantly more complaints than average. 

Some other websites have rated Customer Satisfaction at Esurance:

• ConsumerAffairs: 3.9 out of 5 stars (1,269 customers – up from 2020)
• Better Business Bureau (BBB): A- (up from 2020)

Esurance Financial Strength and Background

Esurance has an A+ (superior) rating from A.M. Best on the financial side which means that the company won’t have any financial troubles paying out claims.

Founded in 1999 and owned by Allstate, Esurance was one of the first companies to offer online insurance services. Headquartered in San Francisco, it services 43 states but offers no walk-in locations. 

Before you sign on to car insurance, make sure you check rates with different providers to compare, especially when purchasing a new or used vehicle. That way, you can find the provider that works best for you.

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