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 Esurance car insurance premium is $82 per month, according to WalletHub’s research, while the average Allstate car insurance premium is $79 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 and Allstate are evenly matched
- Discounts: Esurance and Allstate are evenly matched
- NAIC Rating: Allstate beats Esurance
- J.D. Power Rating: Esurance and Allstate are evenly matched
The two companies have received the same 4.1/5 rating from J.D. Power. 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 A.M. 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 A.M. 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 9.3% of all personal auto insurance premiums written in 2019, according to the Insurance Information Institute. Esurance wasn’t named in the top 10 list.
Esurance vs Allstate: Customer Satisfaction Ratings
|NAIC Complaint Index
|J.D. Power Rating
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