How much is full coverage car insurance with Esurance?

Full coverage insurance costs $1,997 per year or $166 per month, on average. Full coverage car insurance is more expensive than the legal minimum auto insurance coverage because full coverage usually includes collision and comprehensive insurance as well as the minimum coverage required by a state.

The cost of full coverage car insurance varies based on the state, the driver’s chosen coverage limits, the driver’s risk factors, and the vehicle’s value. Additionally, ... read full answercomprehensive and collision insurance are subject to a deductible, and drivers can select a higher deductible in return for a lower premium. Drivers can also minimize the cost of full coverage car insurance by comparing rates and checking for discounts.

Cheapest Full Coverage Insurance Companies

1. Esurance - $1,548 per year
2. Geico - $1,675 per year
3. Mercury - $1,919 per year
4. USAA - $2,002 per year
5. Progressive - $2,016 per year

Esurance full coverage auto insurance covers liability claims, collision damage regardless of fault, and non-accident damage from things like animals and severe weather. Full coverage always includes liability insurance, collision insurance, and comprehensive insurance.

The definition of full coverage changes depending on the minimum requirements of your state. In some states, Esurance full coverage may also include uninsured/underinsured motorist coverage (UM/UIM), personal injury protection (PIP), and/or medical payments coverage (MedPay). ... read full answer

On average, Esurance full coverage insurance costs $3,166 per year, compared to the national average cost for full coverage of $1,992 per year.

Esurance Full Coverage vs. Other Types of Insurance

To learn more about Esurance’s coverage options, check out WalletHub’s full review of Esurance.

Esurance is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $645 per year per year, the average Esurance car insurance premium is actually about the same as the national average of $671 per year

Even though Esurance offers average rates, its premiums can get expensive for drivers with certain characteristics. For example, teenagers pay an average of $2,507 per year for Esurance insurance, compared to $645 per year for older drivers. Additionally, drivers who recently had an at-fault accident pay an average of $1,005 per year for Esurance coverage, which is 56% more than drivers with a clean record.... read full answer

Factors That Can Make Esurance Insurance More Expensive

• Being a young or inexperienced driver
• Purchasing a full coverage policy versus minimum coverage
• Causing an accident or being convicted of a moving violation
• Living in a high-risk ZIP code
• Driving an expensive vehicle
• Having a poor credit-based insurance score

If you’re struggling to afford your Esurance insurance, there are ways for you to lower your rate. For example, you can take advantage of Esurance discounts or reduce your coverage.

In some cases, it might be better to switch insurers altogether. It’s usually a good idea to compare quotes from at least three different insurers to see if you can find a better deal elsewhere. Each insurer uses its own algorithm to calculate premiums, so even if Esurance is charging you a high premium, you may be able to find a cheaper policy with another insurer.

To learn more, check out WalletHub’s Esurance insurance review.