McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Esurance is so cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from Esurance costs an average of $102 per month, and Esurance premiums can be made even cheaper by taking advantage of discounts such as safety features discounts and roadside assistance discount. Plus, Esurance rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.
Average Monthly Rates for Esurance vs. Top Competitors
| Company | Minimum Coverage | Full Coverage |
| Esurance | $102 per month | $264 per month |
| State Farm | $86 per month | $293 per month |
| Progressive | $86 per month | $337 per month |
Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.
Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so if you want to learn more, you can check out WalletHub’s review of Esurance and see Esurance's full profile.
People also ask
How can I get cheaper car insurance?
The best way to get cheaper car insurance is to compare quotes from multiple companies and then switch to whichever insurer offers the coverage you want at the cheapest rate. Other ways to get cheaper car insurance include taking advantage of discounts, improving your driving record, and raising your credit score.
10 Ways to Get Cheaper Car Insurance
1. Compare quotes every 6-12 months.
Every car insurance company calculates premiums slightly differently,...
read full answer by WalletHub, Financial CompanyWhy did my Esurance rate go up?
Your Esurance rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause Esurance to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. Esurance may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and...
read full answer by Candace Baker, Car Insurance WriterDoes Esurance use telematics?
Yes, Esurance uses telematics with DriveSense, a program that tracks your driving habits using a mobile app. You can get a discount if you sign up for DriveSense and drive safely. The better you drive, the more you can save with Esurance.
How Esurance's DriveSense Works
- Tracks miles driven, speed, the time of day that you drive, and braking
- Uses a mobile app for tracking
- Offers a discount for safe...
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