Esurance Auto Insurance Review (2024)

You can’t buy car insurance coverage from Esurance anymore, but you can work with Allstate, which owns Esurance. Here’s how it works.

Taylor Milam-Samuel
Taylor Milam-Samuel
  • 8+ years writing for major outlets, including MarketWatch and Business Insider

  • Master’s in Education

Taylor Mlam-Samuel is a personal finance writer and credentialed educator. When she’s not helping readers better save and spend money, she can be found teaching.

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Sara Getman
Edited bySara Getman
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated November 27, 2024

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Allstate owns Esurance and has been phasing out insurance policies from the brand over the past few years. You can still access the Esurance website, but can no longer buy new Esurance policies. When you request a quote through Esurance, the website directs you to another Allstate-owned brand to finalize your quote and coverage options.

Esurance was a long-standing insurance company in business for nearly 90 years. The company had a reputation for a quick claims process and for helping drivers save money. Allstate acquired Esurance in 2011; since then, it has become part of the Allstate family.

Keep reading to learn more about Esurance, alternatives to the company, and how to save on your car insurance.

Quick Facts
  • Allstate — the company that owns Esurance — offers strong coverage options and extensive discounts.

  • Customer reviews for Allstate are mixed, but pricing is competitive.[1]

  • Coverage from Allstate is available in all 50 U.S. states.

How Allstate works

Compare personalized, real-time quotes
User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$61/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$133/mo

Allstate is one of the biggest insurance companies in the country and offers auto insurance in all 50 states. The company offers insurance for home, auto, motorcycle, ATV, renters, and more, making it easy to bundle policies and get a discount. Other discounts include good student, new vehicles, safe driving, and good payment history.

You can get a quote online or work with a local insurance agent.

Pros
  • Strong financial standing

  • Pay-per-mile and safe driving programs available

Cons
  • Only average pricing

  • Mixed customer reviews

Read more driver reviews of Allstate
Debora - November 25, 2024
Verified

Very Expensive for Automobiles

The representative was very nice, but the automotive insurance is too high.

John - November 25, 2024
Verified

Good

I've never had a problem.

Lisa D - November 25, 2024
Verified

Need Lower Insurance

It's very pricey. They indicate one quote while you're trying to shop around, and then the pricing goes up after signing on.

Every car insurance policy from Allstate meets the legal requirements for liability-only car insurance. Allstate stands out due to its long list of discounts and unique driving programs through apps. Milewise, Allstate’s pay-per-mile insurance program, helps you save money if you don’t drive much. Drivewise, the company’s safe driving app, can also help reduce costs when you’re safe behind the wheel.

Allstate’s car insurance pricing is average — it’s not the cheapest or the most expensive option. Customers pay an average of $61 for liability coverage.

Allstate is financially stable, with an AM Best financial strength rating of A+ (Superior), indicating the company is in good financial standing and can afford to pay claims.[2] But Allstate insurance reviews for customer satisfaction are mixed. Allstate earns above-average rankings in some regions but is below average in others, according to the J.D. Power 2024 U.S. Auto Insurance Study.

Customer service reviews from Trustpilot and the Better Business Bureau are primarily negative, and a lot of reviewers mention that Allstate makes errors throughout the claims process. But the company’s NAIC Complaint Index rating is lower than average, indicating fewer customer complaints for Allstate compared to similar companies.[3]

Debora - November 25, 2024
Verified

Very Expensive for Automobiles

The representative was very nice, but the automotive insurance is too high.
John - November 25, 2024
Verified

Good

I've never had a problem.
Lisa D - November 25, 2024
Verified

Need Lower Insurance

It's very pricey. They indicate one quote while you're trying to shop around, and then the pricing goes up after signing on.
Ethel Jean - November 25, 2024
Verified

Great Customer Service

Wonderful service.

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Allstate auto insurance coverage

Allstate’s insurance products are robust, and you can find nearly every type of coverage. Allstate offers more coverage options than most insurers, and you can easily add extras to your policy.

You can choose a liability-only policy or full-coverage car insurance, which includes liability, collision, and comprehensive. Here are the differences:

  • Liability coverage: A liability policy covers the cost of vehicle repairs and medical bills for the other driver when you cause an accident. But it doesn’t pay for any of your expenses.

  • Comprehensive coverage: Comprehensive coverage is part of full-coverage car insurance. It pays for your repairs when something other than a collision — like theft, vandalism, or a natural disaster — causes damage to your car.

  • Collision coverage: If you cause an accident with another car or damage your car by hitting an object, a collision policy helps pay for your repairs.

You can also add optional policies for an additional cost, depending on your needs. Here are some options from Allstate:

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Gap insurance

    After an accident, if your car is a total loss, a gap insurance policy covers the difference between its value and the amount you owe on it.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance

    Roadside assistance pays for a technician to help you if you have a flat tire, dead battery, or other roadside issue that prevents you from driving your car.

  • illustration card https://a.storyblok.com/f/162273/150x150/f82464c85b/car-sharing-96x96-orange_048-car-key.svg

    Rental reimbursement

    If your car is in the repair shop due to a claim, rental reimbursement helps pay for a rental car so you have a vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal umbrella policy

    An umbrella policy provides higher limits and more extensive coverage than you can typically get with liability insurance.

  • illustration card https://a.storyblok.com/f/162273/150x150/28fd0b0ea3/car-and-driving-96x96-blue_023-driving-test.svg

    Accident forgiveness

    Accident forgiveness is an optional coverage that ensures that a first-time accident won’t affect the cost of your premium. You typically need a clean driving record to qualify.

  • illustration card https://a.storyblok.com/f/162273/100x100/26eb27a188/rideshare-coverage.svg

    Rideshare

    If you’re a rideshare driver, a rideshare policy covers you and your car while you’re working.

Allstate car insurance cost by state

Your location affects how much you pay for car insurance. Costs vary from one state to the next, and even within the same state, costs are different depending on your ZIP code. For example, you can expect to pay more for coverage when you live in a city compared to the suburbs.

Here are the average rates for Allstate car insurance in most states.

State
Full Coverage 
Liability Only
Alabama$76$40
Arizona$158$94
Arkansas$137$66
California$342$169
Colorado$151$71
Connecticut$219$131
Delaware$250$178
Florida$145$117
Georgia$109$68
Illinois$150$81
Indiana$135$68
Iowa$56$28
Kentucky$158$89
Louisiana$181$106
Maine$124$64
Maryland$358$233
Mississippi$121$58
Missouri$88$47
Nebraska$66$42
Nevada$138$86
New Jersey$517$332
New Mexico$124$63
North Carolina$88$56
Ohio$148$84
Oklahoma$87$41
Pennsylvania$187$89
South Carolina$157$89
Tennessee$81$40
Texas$98$53
Utah$173$115
Virginia$134$73
Washington$157$69
Washington, D.C.$302$172
West Virginia$141$83
Wisconsin$123$65
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile. Alaska, Hawaii, Idaho, Kansas, Massachusetts, Michigan, Minnesota, Montana, New Hampshire, New York, North Dakota, Oregon, Rhode Island, South Dakota, Vermont, and Wyoming not included due to lack of data.

Alternatives to Esurance

Esurance was a reputable insurance company with a long history. In 2011, Allstate, one of the biggest insurance companies in the nation, bought Esurance.

Even though Allstate no longer offers new insurance policies through Esurance, you can still use the website to get a quote from another Allstate-owned brand. If you’re not interested in working with Allstate, you have options.

Here are the best alternatives to Esurance.

Best for low prices: Clearcover

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User Reviews
3.1
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$102/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$183/mo

Founded in 2016, Clearcover is fairly new to the insurance industry. The insurer focuses on a tech-centric approach to customer service. Prospective customers can get a quote online, and current policyholders can access their coverage, make changes, make payments, file claims, cancel their policy, and more through the company’s highly rated mobile app. Clearcover offers traditional liability-only and full-coverage car insurance policies, as well as optional coverages, like roadside assistance and alternate transport coverage. AM Best has not yet rated the company.

Pros
  • Mobile app makes it convenient to file claims

  • Fast claims payment (as little as seven minutes, the company claims)

  • Offers rideshare coverage

Cons
  • Only sells auto insurance, so no bundling discount is available

  • Only available in 21 states

  • Higher-than-average number of complaints with the National Association of Insurance Commissioners

Read more driver reviews of Clearcover
Catherine - October 22, 2024
Verified

Great Customer Service

My premium increased by $70 due to an auto accident.

Brett - October 12, 2024
Verified

Unexpected Rate Increases

Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.

Richard - October 7, 2024
Verified

T.B.

Too expensive for me.

Best for safe drivers: Root

Compare personalized, real-time quotes
User Reviews
2.5
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$60/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$103/mo

Root has expanded to more than 30 U.S. states since 2015 and has made offering safe drivers affordable coverage a priority, with more discount opportunities available for Root customers. In general, Root offers cheaper car insurance rates and has relatively positive reviews on par with other similar insurance companies.

Pros
  • Excellent 4.3 Trustpilot score

  • Highly rated mobile app

  • Roadside assistance included with every policy

Cons
  • Higher-than-average number of complaints with the National Association of Insurance Commissioners

  • Only available in 34 states

  • Offers renters insurance, but only in a few states

Read more driver reviews of Root
Jeffrey - November 25, 2024
Verified

Meh

I needed insurance and Root provided it. It is way too expensive, but what can you do? Until my car is paid off next year, I'm stuck.

Daniil - November 25, 2024
Verified

Unexpected Rate Increase at Root

I haven't submitted any claims, yet my payment increased by $46! When I inquired, Root informed me that the increase was due to my state raising rates. I have since purchased a new policy with Progressive for $146.

Robin - November 25, 2024
Verified

Good

Just priced too high after an accident.

Best for unique perks: Lemonade

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A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.0/10

Lemonade is a digital insurer that began offering car insurance seven years ago. It is now available in 37 states and Washington, D.C., selling auto, homeowners, renters, condo, co-op, life, and pet health insurance. Lemonade is most notable for its giveback program, which donates a portion of its premiums to charity. Policyholders must download the Lemonade app, which tracks their driving and bases their premium on their mileage. A.M. Best has not rated Lemonade, but the company has a high rate of customer complaints, according to the National Association of Insurance Commissioners.

Pros
  • Emergency and roadside assistance included

  • Robust discounts, including for bundling and driving EVs or hybrids

Cons
  • Limited availability

  • Much higher-than-expected rate of complaints with the NAIC

Esurance auto insurance FAQs

As you determine whether to use Esurance or Allstate as your insurance company, consider the answers to these common questions.

  • Does Esurance still exist?

    Sort of. Allstate has been phasing out Esurance since 2019. Even though you can still visit the site and get information about a quote, you can’t get a policy from Esurance anymore. The website connects you with Allstate or another Allstate-owned brand.

  • What is the difference between Allstate and Esurance?

    Esurance was a separate insurance company until 2011, when Allstate acquired it. Allstate is now the parent company of Esurance and no longer offers new policies through the Esurance brand.

  • How do I cancel my Esurance Insurance insurance policy?

    You can cancel your Esurance insurance policy by calling 1 (800) 378-7262. Once you call, an agent can help you cancel your Esurance insurance policy.

  • Is Allstate a similar type of insurer as Esurance?

    Allstate and Esurance are the same company. Allstate has owned Esurance since buying it in 2011. Before Allstate acquired Esurance, the insurers were similar. Both companies offered extensive discounts, solid coverage options, and competitive pricing.

Sources

  1. Better Business Bureau. "Allstate Insurance."
  2. Ambest.com. "AM Best Takes Various Credit Rating Actions on The Allstate Corporation and Its Key Subsidiaries."
  3. Naic.org. "Consumer Insurance Refined Search Results."
Taylor Milam-Samuel
Taylor Milam-Samuel

Taylor Milam-Samuel is a writer and credentialed educator who is fascinated by how people earn, save, and spend their money. When she's not researching financial terms and conditions, she can be found in the classroom teaching.

Sara Getman
Edited bySara GetmanAssociate Editor
Sara Getman
Sara GetmanAssociate Editor

Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.

Outside of work, Sara is an avid reader, and loves rock climbing, yoga and crocheting.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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