120+ more)
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5+ years of editing experience
4+ years of experience in print and digital media
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
Category | Average Score |
|---|---|
| Overall experience rating | 3.9 |
| Customer service | 3.2 |
| Value | 3.5 |
| Claims handling | 3.6 |
| Coverage options | 3.7 |
| Discounts | 3.5 |
| Policy transparency | 3.7 |
| Policy flexibility | 3.7 |
Esurance overall user rating: 3.9 out of 5
Insurify Quality (IQ) Score for Esurance: 8.9 out of 10
NAIC complaint index: 2.07 (Higher than expected)
Average monthly full-coverage premium from Esurance: $159
Insurify gives Esurance a quality score of 8.9 out of 10. While Esurance has moderately positive ratings in several categories, such as customer service and transparency, it doesn’t have any standout ratings.
It’s important for customers to know that Esurance no longer sells new policies. Allstate bought the company in 2011 and Esurance stopped issuing new policies in 2023. While Esurance still supports existing customers, it’s moving existing policyholders toward renewing with Allstate.
Some positive reviews cite satisfaction with Esurance’s no-hassle policies, routine customer service interactions, and easy claims handling. But negative feedback touches on difficulty contacting support, disappointment in actual discounts, and frustration with rate increases.
Insurify customers with policies from Esurance gave the insurer an overall customer service rating of 3.2 out of 5.
Esurance has polarized customer service reviews, resulting in a customer rating of 3.2 out of 5.
Positive reviews describe customer service as straightforward and fast, particularly from customers who used self-serve and online customer service programs. Recurring issues in negative reviews mention long wait times, repeated calls, and feeling bounced between departments.
Esurance ranks lower than State Farm and GEICO for customer service, with a rating of 3.2 out of 5.
State Farm customers tend to rate their experience based on the agent they work with. State Farm’s rating of 4.4 out of 5 reflects this divide in experiences.
Customer reviews for GEICO focus on the process itself, rather than agent interactions. GEICO has a customer service rating of 4.1 out of 5.
Company | Average Score |
|---|---|
| Esurance | 3.2 |
| State Farm | 4.4 |
| GEICO | 4.1 |
Insurify’s customers with Esurance policies give the insurer a discount availability rating of 3.5 out of 5. Some customers appreciate Esurance’s discount offerings. But others feel that they don’t end up with the savings they expected or that the discounts don’t last very long.
Esurance customers are satisfied when discounts are clear and long-lasting. But negative feedback is common when customers feel like they don’t get what they expected and when discounts don’t last. Esurance ranks slightly lower for discount availability than State Farm and GEICO.
State Farm reviews, which focus more on bundling than traditional discounts, have an average discount rating of 3.9 out of 5.
GEICO customers give the insurer a rating of 3.9 out of 5, with reviews citing clear savings opportunities.
See how discount ratings for Esurance, State Farm, and GEICO compare below.
Company | Average Score |
|---|---|
| Esurance | 3.5 |
| State Farm | 3.9 |
| GEICO | 3.9 |
Esurance has a customer rating of 3.6 out of 5 for claims handling. Smooth resolutions and a clear, efficient process are two of the main things that positive reviews mention. Negative reviews mention frustrating delays and back-and-forth interactions.
Esurance has mixed claims handling reviews. Positive reviews describe the experience as fast and simple and say that it results in fair outcomes. Negative reviews from dissatisfied customers report receiving lower payouts than they hoped for.
GEICO’s claims handling has a customer score of 4.1 out of 5. Reviews for GEICO focus on the process itself, which customers tend to describe as difficult.
State Farm customers say that they receive solid support but that the process can take a long time. Customers give its claims handling a 4.1 out of 5.
Compare rankings for each company below.
Company | Average Score |
|---|---|
| Esurance | 3.5 |
| State Farm | 3.9 |
| GEICO | 3.9 |
Esurance has a value-for-money rating of 3.5 out of 5 from customers. When prices remain stable, customers tend to approve of Esurance’s value. Customers leave negative reviews when prices change or they receive unexpected charges.
Below, you can read negative and positive reviews from Esurance customers.
Customers rate Esurance’s value positively when prices remain stable. But when customers face unexpected charges or rate increases, they give negative reviews. Esurance has lower overall value-for-money ratings than State Farm and GEICO.
GEICO reviews are also strongly correlated with price changes, while State Farm customers are generally positive when they feel the insurer rewards loyalty. GEICO has a value rating of 3.9 out of 5, and State Farm has a rating of 3.7 out of 5.
See the chart below for a comparison of customer ratings.
Company | Average Score |
|---|---|
| Esurance | 3.5 |
| State Farm | 3.7 |
| GEICO | 3.9 |
Esurance has a policy transparency rating of 3.7 out of 5 from Insurify’s customers with coverage from the insurer. Positive reviews come from customers who feel that their coverage and rates match what Esurance promised. Customers who leave negative reviews mention confusion around terms, coverage details, or pricing changes.
Esurance’s policy transparency rating of 3.7 out of 5 ranks it lower than State Farm and GEICO. Esurance customers rank transparency based on whether they feel their coverage and rates match what Esurance promised.
State Farm customers give the insurer a policy transparency rating of 3.9 out of 5, but ratings are largely dependent on agents and how well they explain policies.
GEICO, which has a transparency rating of 4.0 out of 5, receives negative reviews when prices change.
Below, you can see how customer ratings for these three insurers compare.
Company | Average Score |
|---|---|
| Esurance | 3.7 |
| State Farm | 3.9 |
| GEICO | 4.0 |
To find out what recent customers have to say about Esurance, read the reviews below.
Overall, Esurance has a slightly above-average rating, but it ranks lower than State Farm and GEICO. The following table provides more information about how Esurance, State Farm, GEICO, and Root compare.
 |  |  |  |
|---|---|---|---|
Average price N/A | Average price $78/mo* | Average price $112/mo* | Average price $146/mo* |
Overall rating | Overall rating | Overall rating | Overall rating |
Value for money | Value for money | Value for money | Value for money |
Customer service | Customer service | Customer service | Customer service |
Claims handling | Claims handling | Claims handling | Claims handling |
Special highlight Online policy managementAI-generated from 1214 user reviews | Special highlight Customer serviceAI-generated from 20946 user reviews | Special highlight Teen driversAI-generated from 20548 user reviews | Special highlight Usage-based insuranceAI-generated from 1579 user reviews |
Insurify collects reviews from users on its platform who have successfully compared quotes, as well as users who have purchased a policy through Insurify. These users complete an optional survey asking them to review their experience with their current insurance company and to rate the company on factors like customer service, claims handling, coverage availability, discounts, policy flexibility, policy transparency, and value for money. These ratings and reviews are then compiled and cleaned by our data team to bring you company-level insights from over 85,000 Insurify users.
)
5+ years of editing experience
4+ years of experience in print and digital media
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
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