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.
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 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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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
User Reviews
4.0
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.
$62/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.
$131/mo
4.0
Best choiceBased on 5,939 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,235)
Jack
February 27, 2025
Verified Review
It's the Agent
If you have a good agent like I do, the experience is great.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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).
A-
Why we picked this company
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
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 $62 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]
Jack - February 27, 2025
Verified
It's the Agent
If you have a good agent like I do, the experience is great.
Gregory - February 26, 2025
Verified
Ready to Move On
Too expensive.
Ann Connor - February 26, 2025
Verified
Very Good
They are extremely nice people to work with.
Susan - February 25, 2025
Verified
Lack of Support in Times of High Insurance Rates
There isn't much support available.
…
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Based on 3,806+ reviews
4.8/5
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: Aliability 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 coverageis 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:
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.
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.
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.
Personal umbrella policy
An umbrella policy provides higher limits and more extensive coverage than you can typically get with liability insurance.
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.
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
$72
$39
Arizona
$152
$93
Arkansas
$126
$67
California
$314
$136
Colorado
$146
$70
Connecticut
$205
$128
Delaware
$247
$178
Florida
$154
$121
Georgia
$111
$69
Illinois
$165
$86
Indiana
$135
$68
Iowa
$52
$28
Kentucky
$153
$89
Louisiana
$169
$102
Maine
$124
$63
Maryland
$356
$247
Mississippi
$120
$58
Missouri
$90
$47
Nebraska
$65
$42
Nevada
$135
$85
New Jersey
$483
$300
New Mexico
$120
$63
North Carolina
$85
$57
Ohio
$146
$84
Oklahoma
$83
$38
Pennsylvania
$185
$90
South Carolina
$155
$90
Tennessee
$81
$39
Texas
$104
$56
Utah
$171
$116
Virginia
$134
$72
Washington
$156
$68
Washington, D.C.
$332
$174
West Virginia
$140
$82
Wisconsin
$129
$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.
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.
$108/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
3.4
A solid optionBased on 51 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (36)
Ray
December 4, 2024
Verified Review
All Good
Everything is good, no problems.
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
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.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14
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
Why we picked this company
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
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.
$64/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.
$112/mo
3.1
A solid optionBased on 707 verified guest reviews and ratings
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
How drivers feel about Root
Drivers appreciate the easy sign-up process and initial affordability but dislike the significant rate increases over time and difficulty reaching customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Usage-based insurance
Safe drivers
Cheap rates
Reviews (393)
Dex
February 27, 2025
Verified Review
Root Insurance
It was good. However, I didn't appreciate the price hike, so I switched and now save over $100 a month.
Brittany
February 26, 2025
Verified Review
Stay away from Root
Roadside assistance takes over 2 hours and customer service is rude.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.36
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
Why we picked this company
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
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
Best For
Easy claims process
EV drivers
Safe drivers
Best For
Easy claims process
EV drivers
Safe drivers
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NR
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NR
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
Why we picked this company
Lemonade recently started offering car insurance after acquiring Metromile in 2022. While Metromile was a strictly pay-per-mile insurer, Lemonade offers some pay-per-mile and some standard policies in the states it operates in. Lemonade currently sells car insurance in seven states. Policies in Arizona, Washington, and Oregon offer pay-per-mile coverage, while policies in Illinois, Ohio, Tennessee, and Texas do not. Lemonade has standard auto coverages like liability, collision, and comprehensive, as well as optional coverages like glass and windshield and temporary transportation.
Pros
Numerous discounts available
Policies include emergency roadside assistance
Low-mileage drivers pay less with Lemonade app
Cons
More complaints than expected with the NAIC
Not available in every state
AM Best hasn't rated the company for financial or credit strength
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.
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.
Taylor has been a contributor at Insurify since February 2023.
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 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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