Esurance DriveSense is rated 4.0 out of 5 stars by WalletHub editors, based on factors like possible savings and customer reviews. Esurance DriveSense is an above average usage-based insurance program, since it can save drivers up to 25% and never increases a customer's premiums.
Key Things to Know About DriveSense from Esurance
- Initial discount of 10%
- Possible savings of 25%
- Will not increase premiums for bad driving
- Available in: AL, AZ, AR, CO, CT, GA, IA, ID, IL, KS, KY, LA, ME, MD, MI, MN, MO, ND, NE, NJ, NM, NV, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA & WV
- Customer reviews of the app average 3.9 out of 5
What Is Esurance DriveSense?
Esurance DriveSense is a usage-based insurance program that monitors a policyholder’s driving habits in order to adjust their premium. Customers who sign up for DriveSense can save up to 25%, including an initial discount of 10%. Esurance DriveSense never increases premiums for bad driving, so policyholders will never be penalized for trying the program.
Usage-based insurance programs rely on telematics, which is a technology that uses wireless devices to transmit data. Most major insurance companies have introduced telematics programs as a way to give good drivers a discount, since safe drivers are less likely to get into an accident or file a claim.
What Esurance DriveSense Monitors
- The time of day that you drive
DriveSense from Esurance tracks these behaviors using the DriveSense mobile by Esurance smartphone app. The app is available for iPhones and Androids from both the Google and Apple app stores.
Aside from sending information on your driving behavior to the company, the DriveSense mobile by Esurance app includes features such as trip logs, weekly recaps, and personalized feedback on how to improve your driving behaviors. The app automatically detects trips as long as they are at least 5 minutes long and cover 1 mile. It’s also worth noting that the app’s reviews are average overall.
Is Esurance DriveSense Worth It?
Esurance DriveSense is worth it for safe, low mileage drivers who do not mind being monitored for insurance purposes in return for savings of up to 25%. On the other hand, drivers who frequently drive at night or in heavy traffic are less likely to benefit, as are careless drivers. Since Esurance won’t ever raise your rates for using DriveSense, it’s worth trying the program if you’re comfortable with the company’s data and privacy policies.
Keep in mind that your definition of safe driving might differ from Esurance’s. Make sure you know what habits DriveSense monitors, and see how they match up with your individual circumstances. For example, if you work the late shift, Esurance will count your frequent nighttime driving against you.
If you decide that Esurance DriveSense is worth it for your particular circumstances, you can enroll by signing up via your online Esurance account. You can also contact Esurance customer service at 1-800-ESURANCE (1-800-378-7262) if you’re unsure whether DriveSense is available in your state.
Esurance DriveSense vs. Popular Competitors
|Insurer||Esurance DriveSense||Allstate Drivewise||Progressive Snapshot||State Farm Safe and Save|
|Potential Savings||N/A||Up to 25% rebate||$146 on average||Up to 50%|
|Customer Reviews of the App||3.9||4.0||4.3||4.4|
|Can Increase Premiums?||Will not increase premiums for bad driving||Will not increase premiums for bad driving||Will increase premiums for bad driving||Will not increase premiums for bad driving|
WalletHub editors evaluated Esurance DriveSense in the following categories:
- Initial savings
- Maximum possible savings
- Average of Google and Apple app ratings
- Whether the program can increase a driver’s premium
- Overall WalletHub editor rating for the entire company
- Ease of accessing privacy and data disclosures