Esurance Auto Insurance Review (2026)
You can’t buy car insurance coverage from Esurance anymore, but you can work with Allstate, which owns Esurance. Here’s how it works.
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4.7 / 514K reviews
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Written byTaylor Milam-Samuel
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Taylor Milam-Samuel Insurance Writer
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
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Edited bySara Getman
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Sara GetmanAssociate Editor
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Reviewed byJohn Leach
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John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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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
Updated
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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.
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How Allstate works
| User Reviews | 3.8 |
|---|---|
| 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. | $72/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. | $148/mo |
3.8
A solid optionBased on 10,738 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 4,443 Allstate reviews
Verified Review
Reviewed in Utah on May 18, 2026
They raised my price without notifying me.
Verified Review
Reviewed in Florida on May 17, 2026
Way overpriced. When I asked for a review for a possible rate adjustment, their first question was, "What is your level of education?" What in the world does that have to do with my ability to drive a vehicle?
Verified Review
Reviewed in Oklahoma on May 15, 2026
Good. We haven’t had any accidents on this policy, so I can’t really say anything bad.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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 $72 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]
Verified Review
Reviewed in Utah on May 18, 2026
They raised my price without notifying me.
Verified Review
Reviewed in Florida on May 17, 2026
Way overpriced. When I asked for a review for a possible rate adjustment, their first question was, "What is your level of education?" What in the world does that have to do with my ability to drive a vehicle?
Verified Review
Reviewed in Oklahoma on May 15, 2026
Good. We haven’t had any accidents on this policy, so I can’t really say anything bad.
Verified Review
Reviewed in Florida on May 15, 2026
I'm not sure how Allstate figured out the Drivewise discount; it seems unfair. The higher the premium, the lower the discount.
…
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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:
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 | $100 | $47 |
| Arizona | $178 | $99 |
| Arkansas | $167 | $81 |
| California | $196 | $89 |
| Colorado | $188 | $80 |
| Connecticut | $259 | $188 |
| Delaware | $363 | $243 |
| Florida | $226 | $139 |
| Georgia | $155 | $85 |
| Illinois | $196 | $105 |
| Indiana | $162 | $86 |
| Iowa | $98 | $50 |
| Kentucky | $189 | $112 |
| Louisiana | $189 | $84 |
| Maine | $113 | $59 |
| Maryland | $418 | $272 |
| Mississippi | $141 | $73 |
| Missouri | $141 | $72 |
| Nebraska | $140 | $68 |
| Nevada | $196 | $126 |
| New Jersey | $591 | $501 |
| New Mexico | $185 | $102 |
| North Carolina | $136 | $78 |
| Ohio | $138 | $80 |
| Oklahoma | $107 | $49 |
| Pennsylvania | $145 | $90 |
| South Carolina | $206 | $126 |
| Tennessee | $140 | $64 |
| Texas | $119 | $62 |
| Utah | $140 | $92 |
| Virginia | $211 | $116 |
| Washington | $148 | $74 |
| Washington, D.C. | $600 | $416 |
| West Virginia | $189 | $107 |
| Wisconsin | $173 | $88 |
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
| User Reviews | 3.8 |
|---|---|
| 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. | 7.1 /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. | $124/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. | $214/mo |
3.8
A solid optionBased on 64 verified driver reviews and ratings
Clearcover's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Clearcover
Drivers appreciate the initial low rates and friendly customer service but dislike the frequent and significant premium increases.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 40 Clearcover reviews
Verified Purchase
Reviewed in Missouri on January 25, 2026
Great for now, we will see what the price does at renewal time.
Verified Purchase
Reviewed in Missouri on November 6, 2025
Worst claim handling, no communication whatsoever.
Verified Review
Reviewed in Missouri on June 12, 2025
Very good at helping get some insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.36A.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).
NRBest for safe drivers: Root
| User Reviews | 3.4 |
|---|---|
| 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. | 7.9 /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. | $91/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. | $157/mo |
3.4
A solid optionBased on 1,343 verified driver reviews and ratings
Root's score | Industry average | |
|---|---|---|
| Coverage options | 3.2 | 3.2 |
| Customer service | 2.4 | 3.6 |
| Discounts | 2.7 | 2.9 |
| Policy transparency | 3.1 | 3.1 |
| Value | 2.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 534 Root reviews
Verified Review
Reviewed in Washington on May 18, 2026
My previous insurance was $120 a month, now it's $256 a month for the same coverage. I've never had a ticket or reported an accident, but I'm paying over double.
Verified Review
Reviewed in Arizona on May 10, 2026
Very expensive for liability coverage.
Verified Review
Reviewed in California on May 8, 2026
They raised my insurance by over $40.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.93A.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).
NRWhy 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.
Best for unique perks: Lemonade
| 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 |
|---|
Best For
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not ratedNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
6.76A.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).
NREsurance 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
- Better Business Bureau. "Allstate Insurance."
- Ambest.com. "AM Best Takes Various Credit Rating Actions on The Allstate Corporation and Its Key Subsidiaries."
- Naic.org. "Consumer Insurance Refined Search Results."
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Taylor Milam-Samuel Insurance Writer
8+ years writing for major outlets, including MarketWatch and Business Insider
Master’s in Education
Featured in
Sara GetmanAssociate Editor
John LeachLicensed P&C Agent, Chief Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Konstantin HalachevVP of Engineering & Data Science
7+ years experience in data analysis
Ph.D. in Computational Biology