Esurance is an online insurance company that specializes in selling bundled insurance policies at affordable prices. The company was purchased by Allstate in 2011 in a $1 billion deal. Here are a few other key things to know about Esurance Insurance:
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 08/27/2025.
Esurance is rated 3.0/5 by WalletHub’s editors, based on sample insurance quotes, customer reviews and ratings from organizations such as J.D. Power and the Better Business Bureau (BBB). Esurance reviews from consumers tend to focus on good customer service and fairly low prices. Its NAIC rating is 7.61, however, which means Esurance has received significantly more complaints than the average car insurance provider. Delayed claims payouts and unexpected fees/rate increases are among the biggest complaints reported by customers.
Esurance Insurance Ratings
Reviews on WalletHub: 3.5/5
NAIC: 18.73
AM Best: A+
BBB: A+
Esurance Auto Insurance Review Highlights
Top Discounts — Good driver (up to 40%), vehicle safety (up to 33%), and 5% for trying DriveSense® – the Esurance telematics program.
Basic Coverage Options — Basic Coverage Options — Bodily injury liability, property damage liability, collision, comprehensive, uninsured/underinsured motorist, medical payments, and personal injury protection.
Supplemental Coverage Options — Emergency roadside service, rental car reimbursement, loan/lease coverage, and CarMatch® (provides a higher coverage limit for car rentals).
Specialty Auto Policies — Pay-per-mile insurance, commercial auto insurance, and insurance for rideshare drivers (available in CA).
You can learn more about these sample quotes in the Methodology section of our full Esurance Insurance Review.
Keep in mind that Esurance, a subsidiary of Allstate, sells car insurance policies in 43 states – not including Alaska, Delaware, District of Columbia, Hawaii, Montana, New Hampshire, Vermont, or Wyoming.
Esurance Homeowners Insurance Review Highlights
Esurance offers both homeowners insurance and renters insurance, along with discounts for bundling Esurance insurance policies.
Homeowners insurance from Esurance protects you financially when there’s damage to your home, as well as other structures on the property like sheds and gazebos. It also covers damage to your personal property, including electronics and appliances, caused by acts of nature like fire, lightning, wind, snow, sleet, and ice. Other risks, like theft, vandalism and explosions, plus falling objects or vehicles crashing into your home, are covered as well. You can add additional coverage for more expensive possessions, like artwork, jewelry and collectibles, too.
An Esurance renters insurance policy covers you in case your personal belongings are damaged or stolen. It also covers your financial liability if someone is injured while visiting a property you’re renting, as well as additional living expenses you incur because your rental is damaged by a covered loss.
Bottom Line: Is Esurance a Good Insurance Company?
Esurance is a good car insurance company, earning a rating of 3.0/5 from WalletHub’s editors due to its competitive rates, generous list of discounts, and easy-to-navigate website. Esurance is best for self-sufficient, tech-savvy drivers who don’t mind buying and managing their auto policies completely online.
To learn more, check out WalletHub’s complete Esurance Review. You can also read some of the reviews from fellow consumers below.
Product: Esurance Car Insurance
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Sam Chesterly @Bdfxx
I recently had to cancel an auto policy before it even took effect. I was changing insurance companies and going with Esurance. Before the policy too effect I replaced one of my vehicles with the same make and model just 3 years newer. The agent told me the policy would go Fromm $1100 to $1700 for 6 months. I said that can’t be. Oh yes sir that’s the new rate. I tried to convince her otherwise but she insisted. In that case, I said, cancel the policy! I, of course, in the interim put the new car on my old policy…. The rate went up $40 for 6 months.
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Esurance
kmbenson1968 @kmbenson1968
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2 Star Rating
Overall, Esurance may be great on rates, but when it comes time to submit a claim, it's not so good. We filed a claim on the app. They contacted us, and someone very nice came out and took pictures. However, the trouble started with the claims adjuster. They had a very rude attitude from the beginning. On top of that, we couldn't get an answer in a timely manner. We placed numerous calls and wrote numerous emails before the adjuster would answer. We could never get anyone on the phone. We were left hanging about the rental car and responding to the collision center.
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Esurance
Al Johnson @fordfamily0427
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2 Star Rating
I have not had to ever make a claim. I've not been involved in an accident during my time with them, yet my rates are exorbitant. It's very true that loyalty is non-existent with insurers. Also, the representative informed me that there could have been a cancellation fee if it weren't for the fact that I was switching to another insurer under the Allstate umbrella. 1) Esurance doesn't realize I don't pay for things that don't provide value to myself or my household, and 2) How do you charge someone a fee for canceling a month-to-month policy? If there are cancellation fees, that should be in bold when doing a policy renewal, as this was never made clear. Put it out there in bold, not in fine print. Just scamming again. Done with Esurance.
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Esurance
kawana_holt @kawana_holt
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2 Star Rating
This company is the worst at communication. Each representative I have spoken with regarding my claim is rude. They have difficulty communicating without trying to belittle. Honestly, I would not call if I did not have concerns, and as a claims representative, your job is to reassure your clients that you have their best interest at heart. The phone calls go straight to voicemail, and when you do manage to speak to someone, you're met with resistance or prompts to contact your claims rep. Honestly, I wouldn't attempt to contact other parties if I could get in touch with my claims rep. "Well, did you press 0 before the voicemail ended to be transferred to the next claim rep?" Yes, and the message states my claim rep does not have this feature set up. A lot of misinformation is given. Even more disrespect. You would think you are paying your monthly bill for guidance, reassurance, and understanding. What you are paying for is a lack of support.
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Product: Esurance Car Insurance
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Esurance
Tom Mills @freetrialbro
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1 Star Rating
Major Pro: low price. Major Con: they don't want to cover anything. The claims adjuster agreed to send a check that would only cover 10% of the repairs. When you inquire about the check, they either stopped payment on it or decided not to send it and conveniently don't inform the customer. The restoration company that they recommended was also dishonest. They are counting on you not knowing anything about home construction and essentially just want to sell you a new roof, whether you need one or not. Two people came out to my house, and one of them physically ripped some pieces of wood out of my attic. They did additional damage on top of my existing damage. Clearly, the wood in my attic had been used for concrete framing for the driveway; they tried to claim it was water damage. If you need low-priced homeowners insurance that won't cover any repairs, then this is the company for you. Otherwise, I would stay far away.
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Product: Esurance Home Insurance
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Esurance
wabbit2007_001 @wabbit2007_001
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1 Star Rating
Bought a used car on Saturday night, 17 May 2025. Before driving the car home, I had my wrecked car removed and the new car added to my insurance. Neither happened, so I had to call on Saturday, and now there are excuses about the renewal date. Sunday morning, it was the same; I can't confirm, and my "proof cards" still show the old vehicle and not the new one. Okay, maybe it takes a while, but here we are on Monday morning, 19 May 2025, and I still don't want to risk not being able to prove insurance. I called the parent company, Allstate, to try and get some help, but they were ineffective. Instead of waiting 10 more minutes, now at 0650, and getting an agent at 0700 EASTERN, I had to wait another hour and be late for other appointments so I could fit into the 0700 CENTRAL phone center hours. I've been on hold for over 10 minutes, pretending to make a new claim with Allstate just to speak to a person. The representative that answered the phone said she couldn't hear me or we had phone issues, then complained because I raised my volume a bit so she could hear me and accused me of shouting at her. It's been a total mess from top to bottom. Edit: The company using the renewal date excuse is now going to charge me a $50 cancellation fee after failing to ensure I have proof of insurance, leading me to go to a company that instantly provided proof of insurance so I can legally drive my vehicle.
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Product: Esurance Car Insurance
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Esurance
Sherry Battle @sherrybattle72
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1 Star Rating
It seems as if they only work on their time. I can't properly get an answer; my car has been in the shop for 3 weeks, and I have to go without my car during a holiday weekend because they only have one person who can review documents or see about a car in my area. I was told he had 10 other people before they got to mine and was told I was unable to get a rental due to a mistake that was made on Esurance's end. Very unhappy, thinking about canceling.
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Product: Esurance Car Insurance
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Esurance
Carla Butz @carlabutz
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1 Star Rating
A complete joke. I don't know how Esurance can stay in business. They don't assign an adjuster. They do not handle your claim, don't answer their phone, or respond to emails. They don't do anything once they have your premium. It's been four months since my accident, and they haven't even arranged for a property damage appraisal. Stay as far away as you can. I would rate them a zero if I could.
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Product: Esurance Car Insurance
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Esurance
Steph Defo @stephdefo
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1 Star Rating
The absolute worst car insurance company we've ever had. They try their best to avoid paying for damages, which then delays the collision repair while putting the blame on the collision shop. The adjusters make accusations and have no compassion. They assign you a claims representative who will be on vacation within days of your claim and who won't communicate, then they mistakenly assign you a new representative. Our vehicle has been at a collision shop for 10 days, and it's finally being worked on. They also won't always fight for your deductible when they know the other party (a car wash) is at fault. Stay away and pay more for a company that has more compassion.
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Product: Esurance Car Insurance
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Esurance
muratih47 @muratih47
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1 Star Rating
"My one-star review is based on my experience with the company. The key points relate to the values and integrity of the company's employees. In 2019, I was involved in a minor bumper-to-bumper accident, where there were no injuries and no visible damage to the vehicles occurred. A Police Officer who responded confirmed the vehicles had no visual damages. I took pictures of both vehicles the night of the accident, especially because I noticed the other vehicle had on the rear side panel what appeared to be bodywork performed due to a previous accident. As a responsible person, I exchanged my information with the driver of the other vehicle. A couple of days later, an Esurance accident adjustor contacted me about the accident. The Esurance employee asked me for details about the accident because the driver of the other vehicle had allegedly claimed damages to his vehicle. I provided Esurance with copies of the pictures I took the night of the accident via email. Satisfied with the information I provided, I never thought it would become an issue. But in 2022, while renewing my personal car insurance policy was notified that my policy had been increase, requiring a down payment because Esurance listed me at fault for causing over $3,000 worth of damages to the other vehicle. Throughout a long frustrating and research process, discovered that although I submitted photographic evidence that proved none of the vehicles suffered any damages, the driver of the other vehicle submitted pictures of what appeared to be damages caused by another vehicle to the Esurance adjustor. The adjustor used those pictures and a quote from a local auto body shop to approve compensation for damages that I did not cause. This process should not be my problem, but by listing me on official records (Lexis Nexis) at fault for over $3,000 in damages, my insurance company penalized me, and now it is up to me to spend time and money to get the necessary documentation to remove the incorrect information from my records. During this process, because of my inability to renew my auto insurance, my driver's license was suspended for almost a year. Coordination with Esurance customer service revealed that the images I submitted were not used by the Esurance Adjuster. Esurance has a copy of the email that I submitted, but the images for some reason cannot be viewed on their system. Also, Esurance customer service indicated that the adjuster no longer worked for Esurance. I am very disappointed and frustrated with the situation.
VR HM
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Product: Esurance Car Insurance
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Esurance
aandreaagraace @aandreaagraace
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1 Star Rating
They are the least helpful people imaginable. They delayed processing my claim for three months, then gave me nearly half of what my car was valued at. They are a group of scam artists who will do anything to avoid working or paying out money. Having to deal with these bum grifters is nearly as bad as almost dying after their insured driver crashed into me at 50+ mph. I wouldn't wish dealing with them on anyone.
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Product: Esurance Car Insurance
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Esurance
Christopher Doran @cdoran30
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1 Star Rating
No tickets or accidents for over 10 years, and my reward at each six-month interval was more expensive rates. Once it even increased by $60. I've been with them for 6 years, and my policy started out at $168 and change. When I left, my policy was costing me $319 and change. It basically doubled, and I drive less than 6,000 miles a year. It was the worst insurance policy I've ever had. When I finally canceled and went with Progressive, my going-away present was an extra $19.31 charge for no apparent reason. I canceled well before my policy was due to renew, and they didn't have the authority to debit this amount from my account. Do not trust these individuals for a second; they are not trustworthy. Find someone else who is far more reputable. Please do yourself a favor.
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Product: Esurance Car Insurance
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Esurance
judykaynichols @judykaynichols
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1 Star Rating
Esurance is the worst! Do not recommend. After cancelling car insurance in May 2024, we were told they would send a refund check. Instead, they sent the refund amount to a closed credit card account and said we have to transfer the refund from the card company to Esurance before we would get our refund. The card company didn't agree with that and will issue a refund check after three billing cycles. Five months of playing games!
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Product: Esurance Car Insurance
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Esurance
Renal Shastri @renal_sc_246
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1 Star Rating
I have been trying to get my car back from a body shop for more than a week now. It has been over two weeks since I dropped off my car at the body shop. Since last Tuesday, the 23rd, my car has been fixed, but the payment has not been sent to the shop, and I have been unable to pick up my car ever since. I do not have rental coverage, and I am paying to get to work and other places out of my pocket. This is unacceptable and very unprofessional. It is highly disappointing that being a loyal customer carries no value in return. I have never missed a single payment or filed a claim before. I have never experienced such unprofessional service until now. My claims adjuster attempted to transfer the calls to her supervisor, who never picked up the calls, and the voicemails I left were never returned. Esurance keeps claiming they have not received the supplement from the body shop, but the first payment was issued right away. They have been delaying the payment for almost a week now, and I am the one suffering without a car and incurring Uber expenses.
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Product: Esurance Car Insurance
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Esurance
bejenbf nejfjnrjf @jenidmskdnnd
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1 Star Rating
I had Esurance for my car insurance for four years. It was $70 per month for my paid-off car with the minimum insurance required by law. I have no accidents, no tickets, am female, and am over 30 years old with a clean record. I always paid them on time. Well, I traded in my car and got a 15-year-old Ford Mustang that required full coverage. I received a quote from my Esurance insurance, and they wanted $430 per month! My car payment was $300, and they wanted an additional $430? Also, note I only drive about 2 miles every other day. I went and got a quote from Geico, and Geico only wanted $120 to fully insure my Mustang. I dropped Esurance immediately and will never go back to them again. I am so glad I shopped around. But really, $430 for someone with a clean record and who has been a good customer? I am still shocked by this.
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Esurance Q&A(86 questions)
Get answers to your questions about Esurance below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Esurance is good with claims according to some sources. Esurance received a decent score of 871 out of 1,000 from a 2020 J.D. Power auto claims satisfaction study, which looked at how companies process and settle claims. However, Esurance has received more complaints for delays with processing claims and unsatisfactory settlement offers than the average insurer its size, according to the National Association of Insurance Commissioners.
Esurance Ratings and Reviews
WalletHub Editors: 2.8 out of 5
WalletHub Users: 3.5 out of 5
J.D. Power Score: 871/1,000
NAIC Rating: 7.61
It's also worth noting that Allstate, Esurance's parent company, ranks as one of the top 10 companies for auto claims satisfaction according to J.D. Power. For more information, check out WalletHub's reviews of Esurance and Allstate.
Esurance has a rating of 3 out of 5 from WalletHub's editors, based on factors such as pricing, coverage options, customer reviews and watchdog-group ratings. For example, Esurance has a rating of A+ from AM Best, meaning it is financially strong and in a good position to pay out claims.
Yes, Esurance insurance rates are competitive for certain drivers, including drivers with one at-fault accidents, seniors, and college students. Esurance car insurance customers pay an average of $645 per year, which is less than the national average of $671 per year. Esurance's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible...
Yes, Esurance is a legitimate insurance company that offers auto insurance, home insurance, renters insurance, and motorcycle insurance. Esurance sells policies in 42 states, has good customer reviews on WalletHub, and is cheaper than average.
Why Esurance is Legit
Esurance has been in operation since 1999 and is based in San Francisco, CA.
Esurance has an B+ from the Better Business Bureau.
AM Best gave Esurance an A+ rating for its financial strength and ability...
Esurance is a reliable insurance company as it is in an "excellent" financial position to pay claims, according to AM Best. Esurance has an above average user rating on WalletHub, but despite its affordable rates, it has more customer complaints than normal for a company its size, per the NAIC.
To cancel Esurance insurance, you must contact their agent directly or call customer service at 1-800-378-7262. You will need to provide basic information about yourself, your Esurance policy number, and the date you would like your policy to end. Esurance may also ask for the details of your new car insurance policy to verify you won't be driving without insurance. If you've already paid your premium for the policy period in full, Esurance will refund the unused...
You can call Esurance at 1 (800) 378-7262. Customer service representatives are available 6 a.m. to 12 a.m. CT, 7 days a week, and they can assist you with things like getting a quote, billing information or making changes to your policy. You can also contact Esurance by emailing customer service, mailing a written request, or visiting a local agent.
How to Contact Esurance
Phone: Call 1 (800) 378-7262 to speak with a customer service...
The phone number for Esurance roadside assistance is 888-374-6472, and representatives are available 24/7 to help you with things like towing and battery jump-starts. You can also request roadside assistance through Esurance's website or mobile app.
Yes, Esurance offers gap insurance as an optional policy add-on. Esurance gap insurance pays the difference between a totaled car's actual cash value and your remaining loan or lease balance, though you will be responsible for paying a deductible.
The cost of Esurance gap insurance depends on factors like your state and your vehicle's value. Regardless, purchasing gap insurance from an insurance company is usually a better investment than purchasing this coverage from a dealership, where...
Allstate purchased Esurance in 2011, but the two brands still operate independently. Esurance offers a smaller suite of insurance options and discounts than Allstate, which plans to phase out the Esurance brand over time.
In 2019, Allstate announced it would be retiring the Esurance brand but that this process would be gradual. You can still purchase an Esurance policy, although it is unclear what will happen to policyholders once the phase-out is complete.
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