Esurance vs. Allstate Car Insurance: Reviews and Quotes

Esurance vs. Allstate: Who’s cheaper?

Esurance offers cheaper car insurance quotes than Allstate for most drivers. However, young drivers and those who have been involved in an at-fault accident can find better rates with Allstate.

Cheapest for most drivers: Esurance

Esurance typically offers cheaper car insurance quotes than Allstate. Average auto insurance rates at Esurance are $555 annually, or $46 per month, for

minimum coverage

, compared to Allstate’s premiums of $734 per year, or $61 per month.

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Esurance also has cheaper rates for

full-coverage insurance

. A policy from Esurance costs $1,372 per year, or $144 per month, while the same coverage from Allstate costs $$1,892 per year, or $158 per month.

Coverage

Allstate

Esurance

Minimum coverage$734$555Full coverage$1,892$1,372

Cheapest for drivers with prior incidents: Esurance

Esurance offers cheaper rates than Allstate for drivers with a recent speeding ticket or DUI. A full-coverage policy from Esurance costs 36% and 53% less, respectively.

Allstate is a better choice for drivers who have been in an accident — the company did not raise rates after a single accident. A policy from Allstate is 14% cheaper than Esurance for these drivers — a difference of $269 per year.

Incident

Allstate

Esurance

Speeding ticket$2,749$1,752Accident$1,892$2,161DUI$7,390$3,448

Cheapest for young drivers: Allstate

Young drivers will pay less for car insurance from Allstate than Esurance. Quotes from Allstate are 7% cheaper, on average.

While there isn’t a significant difference in the cost of a minimum-coverage policy for young drivers with a clean record or a recent speeding ticket, Allstate is much cheaper for full-coverage insurance and after an accident. In fact, drivers involved in a single accident pay the same rates with Allstate as those with a clean record.

Allstate

Esurance

Minimum coverage$1,948$1,963Speeding ticket$2,309$2,329Accident$1,948$2,194Full coverage$4,409$4,967

Esurance vs. Allstate auto insurance discounts

Allstate offers many of the standard discounts drivers expect from a major insurer. Esurance does not provide an overall list of available discounts, and those that they do offer vary by state.

Discount

Allstate

Esurance

Anti-lock brakes

Anti-theft device

Automatic payments

Early signing

Good student

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Allstate vs. Esurance: Usage-based insurance

Both Allstate and Esurance have

usage-based programs

that provide drivers with the opportunity to save money on car insurance based on their driving behaviors.

The programs are very similar. Both companies use a mobile app to track driving behaviors and offer drivers a sign-up discount for participating in their program.

In addition, Allstate offers a pay-per-mile program, Milewise, that calculates your car insurance rate based on the number of miles you drive per month. Milewise logs your miles using a plug-in telematics device and is currently available in

21 states

.

People who do not drive often, including students, retirees and those who work from home, can save money by choosing a per-mile insurance program.

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Esurance vs. Allstate: Compare coverage options

As two large insurers, both Esurance and Allstate offer the standard coverages you would expect from a car insurance policy. However, Allstate offers a handful of coverage add-ons that Esurance does not.

Allstate car insurance coverage options

Allstate offers a number of coverage options that you can use to customize your policy.

Custom equipment coverage helps cover the cost of damaged or stolen aftermarket parts and electronics.

Classic car insurance protects your antique, vintage or classic car for an

agreed-upon value

and gives you the flexibility to decide who to trust with repairs if you make a claim.

Mexico car insurance helps pay for medical bills, car repairs, legal assistance and more if you travel to Mexico.

Ride for Hire, ride-share insurance coverage that protects drivers while their

ride-share app is on and they’re waiting to be assigned a passenger

.

Esurance car insurance coverage options

Esurance offers fewer coverage add-ons than Allstate. Drivers can pay extra for roadside assistance, rental car reimbursement and gap insurance.

Esurance also offers ride-share insurance, called ShareSmart, in California, Illinois and New Jersey.

Allstate vs. Esurance: Company structure and policy availability

Allstate, which is available in all 50 states, underwrites policies under several subsidiary names, including Allstate Assurance, Allstate Fire & Casualty and Allstate Indemnity, among others.

Esurance is owned and backed by parent company Allstate but operates with a high degree of independence. Esurance is available to drivers in

43 states

.