THE VERDICT
Allstate is better than Esurance overall. Allstate beats Esurance in terms of the types of insurance policies available, transparency, and financial stability, and the two companies offer comparable discount options and costs. However, Esurance wins out when it comes to customer reviews. The average cost of an Allstate policy in California is $105 per month, while the average cost of an Esurance policy is $102 per month.
Read on to learn more about how Allstate and Esurance stack up against one another.
Compare Esurance vs. Allstate
- Types of Insurance: Allstate beats Esurance
- Cost: Esurance beats Allstate
- Discounts: Esurance beats Allstate
- NAIC Rating: Allstate beats Esurance
- Market Share: Allstate beats Esurance
Allstate has a solid rating from J.D. Power, while Esurance hasn’t received a rating. Esurance has a higher consumer review score on WalletHub, however, while Allstate has a better customer complaint rating from the National Association of Insurance Commissioners (NAIC). The customer rating category of our review is close as a result, but Esurance’s particularly good consumer review score on WalletHub gives it the edge.
Both companies have nevertheless received more than the average number of customer complaints for insurance companies their size, according to the NAIC. Allstate’s customer complaints focus on unexpected delays and denials of claims, and Esurance’s customer complaints highlight the company’s slow claims-handling process.
Despite the high number of complaints, Allstate is in good standing with leading credit rating agencies like AM Best, S&P, and Moody’s Investors Service, a show of its financial strength and claims-paying ability. Esurance has received a solid score from AM Best, too, but it hasn’t received scores from S&P or Moody’s.
Finally, Allstate leads Esurance when it comes to attracting customers. Allstate is the fourth-largest provider of private-passenger auto insurance policies in the nation, as it sold 10.4% of all personal auto insurance premiums written in 2021, according to the Insurance Information Institute. Esurance wasn’t named in the top 10 list.
Esurance vs Allstate: Customer Satisfaction Ratings
| Source |
Allstate |
Esurance |
| NAIC Complaint Index |
2.45 |
7.61 |
| J.D. Power Rating (Customer Satisfaction) |
3.2/5 |
Not Available |
| J.D. Power Rating (Claim Satisfaction) |
4.4/5 |
Not Available |
| WalletHub Editor's Rating |
2.9/5 |
3.0/5 |
| WalletHub User's Rating |
1.5/5 |
3.2/5 |
The NAIC Complaint Index is calculated by dividing a company’s number of complaints by its share of market premiums. The average is always 1.00, and both Esurance and Allstate exceed that benchmark.
To learn more about what sets these two auto insurance providers apart, check out WalletHub’s full
Allstate review and
Esurance review.
