Esurance Insurance Review
Esurance is rated 3.3/5 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 3.18, 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: 4.3/5
- J.D. Power: 4.1/5
- NAIC: 3.18
- BBB: A-
Esurance Auto Insurance Review Highlights
Rank — Second cheapest quartile among major car insurance companies, according to WalletHub’s research.
Top Discounts — Good driver (up to 40%), vehicle safety (up to 33%), and 5% for trying DriveSense® – the Esurance telematics program.
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).
To help drivers better understand how much car insurance from Esurance costs, WalletHub’s editors obtained sample Esurance car insurance quotes for drivers of different ages and with different driving records. You can learn more about these sample quotes in the Methodology section of our full Esurance Insurance Review.
Esurance Auto Insurance Quotes
|Driver Profile||Average Quote|
|18-Year-Old||$224 / month|
|21-Year-Old||$91 / month|
|45-Year-Old||$60 / month|
|45-Year-Old with a Speeding Ticket||$74 / month|
|45-Year-Old with a DUI||$144 / month|
|55-Year-Old||$60 / month|
|65-Year-Old||$62 / month|
Esurance has competitive car insurance rates and generous discounts. It also offers supplemental and specialty coverage options. What more can you ask for? Some policyholders would say better customer service, but don’t let Esurance’s average customer service rating be a deal-breaker, as they make up for it with a highly-rated claims service process.
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?
Yes, Esurance is a good insurance company. WalletHub’s editors give Esurance a rating of 3.3/5 because of 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 shopping for, buying, and managing their auto policies completely online. Still, drivers who want a longer list of coverage options and a more personalized shopping experience might want to look elsewhere.
To learn more, check out WalletHub’s complete Esurance Review. You can also read some of the reviews from fellow consumers below.