Esurance Car Insurance

4.6 4,471 reviews
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InsurifyComposite Score
U.S Auto Insurance Shopping Study (2018)
Options Results
Policy Offerings About average
Call Center Representative Among the best
Pricing About average
Insurer Website About average
Overall Satisfaction About average
U.S Auto Insurance Claims Satisfaction Study (2018)
Options Results
Rental Experience About average
Estimation Process About average
Overall Satisfaction About average
Claim Servicing About average
First Notice of Loss (FNOL) About average
Repair Process The rest
Settlement About average
J.D. Power Ratings by Region (out of 1000)
Region Ratings State Average
Florida 826 About average
California 818 About average
North Central 799 The rest
Esurance Mobile App Ratings
Brand Ratings User reviews
Full Star Full Star Full Star Half Star Empty Star 3.9
Full Star Full Star Full Star Full Star Half Star 4.1
Financial Ratings
Company Name Ratings
A.M. Best A+


The largest discounts from Esurance are: Provider Switch Discount, Anti-lock Brake Discount, Anti-Theft Device Discount

Discount Type Discount %
Provider Switch Discount up to 40%
Anti-lock Brake Discount up to 33%
Anti-Theft Device Discount up to 25%
Defensive Driver Discount up to 25%
Multiple Policy Discount up to 15%
Roadside Assistance Discount up to 10%
Prepay Discount up to 10%
Organization Discount up to 5%
Multiple Vehicle Discount up to 5%
Good Student Discount up to 5%
Driving Habits Discount Varies
Signing documents when you buy online discount Varies
Home Owner Discount Varies
Accident Free Discount Varies
Paid in full discount Varies
Starting your auto quote online discount Varies
Good Driver Discount Varies
Passive Restraint Discount Varies
Alumni Discount Varies

Features and Services

Esurance has been offering its customers with exceptional service for over 15 years. Their insurance agents are available for customer support 24 hours a day, 7 days a week, 365 days a year. Their mobile app makes it easier for you to manage your policy, make payments, and file a claim. Filing can also be done online or over the phone. In certain states they even provide photo claims and video appraisals if you have an accident. Esurance’s technological innovation doesn’t stop there. They offer DriveSafe, a mobile app that monitors your teen’s driving habits and smartphone usage; RepairView which lets you monitor your car’s repair process online; What If Calculator that allows you to estimate your premium if you were to file a claim or get a ticket; and Fuelcaster which allows you to find the best deal on gas in your area.

  • 24/7 service 24/7 service
  • Mobile app Mobile app
  • Roadside assistance Roadside assistance
  • Policy bundling discounts Policy bundling discounts
  • Online account management Online account management

Optional Coverage

  • Complete Tick Incident Forgiveness
  • Complete Tick Loss of Use Coverage
  • Complete Tick Mechanical Breakdown Insurance
  • Complete Tick Emergency Assistance Coverage
  • Complete Tick Road Side Assistance
  • Complete Tick Rental Reimbursment
  • Complete Tick Gap Insurance
  • Complete Tick Original Equiptment Manufacturer Coverage

Esurance provides Uber and Lyft driver insurance in the following states:

Esurance Insurance Products

Learn more about Esurance Life Insurance.

Esurance offers a wide variety of car insurance options focused on liability, vehicle-based, and medical coverages so that you can build a policy that suits your needs and budget. 

  • Medical payments
  • Personal injury protection (PIP)
  • Collision
  • Comprehensive
  • Emergency roadside service (ERS): Also known as towing and labor, is available to policyholders with collision and comprehensive coverage. Covers things like tire changes, gas fill-ups, battery jumps, etc.
  • Rental car: Reimburses the cost of a rental car is your vehicle is being repair after a covered loss. 
  • Loan/lease gap: Pays the difference between your car’s actual cash value at the time it was totaled and what you still owe in loans for the car. 
  • Customized parts and equipment: Pays to repair or replace special hardware like stereos, navigation systems, custom paint, or disability assistance equipment.
  • Bodily injury liability
  • Property damage liability
  • Uninsured/underinsured motorist liability

Esurance provides insurance coverage for a variety of bikes including motorcycles, scooters, mopeds, street-sport bikes, high-performance bikes, limited-production and custom bikes, cruisers, touring and sport-touring bikes, vintage bikes, motocross bikes, off-road/dual-purpose bikes, and ATVs. 

Generally, an Esurance motorcycle policy will include the following coverages:

  • Liability
  • Collision
  • Comprehensive
  • Total loss: Pays the MSRP of a current model year motorcycle of the same make and model as the one that was totaled. 
  • Medical payments
  • Optional equipment: Also known as accessory coverage, can cover up to $30,000 to repair or replace customizations you’ve made to your bike. 
  • Trip interruption: If you bike is damaged hundreds of miles from home, this will cover up to $100 for lodging, $50 for alternative transportation, and $50 for food per day until your bike is repaired. 
  • Uninsured/underinsured motorist
  • Towing and labor

There are many reasons people ride all-terrain vehicles (ATV), so Esurance provides a variety of coverage options and limits to suit your riding needs. Coverages for ATV’s include:

  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • Uninsured/underinsured motorist
  • Optional equipment: Also known as accessory coverage, can cover up to $30,000 to repair or replace customizations you’ve made to your bike. 
  • Transport trailer physical damage: Covers up to $10,000 of physical damage to the trailer you use to transport your ATV. 

Esurance offers boat and watercraft insurance through a partner insurance carrier in order to provide coverage for you jet skis, WaveRunners™, sailboats, dinghy runabouts (when insured with another primary boat), cabin cruisers, pontoons, fishing boats, and family runabouts. 

Customize your Esurance boat policy with the following coverages:

  • Liability
  • Medical payments
  • Property damage
  • Collision
  • Comprehensive
  • Personal effects
  • Uninsured/underinsured boater
  • Emergency services

Depending on what state you live in, Esurance cannot insure extremely large, expensive, or powerful boats, houseboats, amphibious land boats, hovercrafts, airboats, homemade boats, motorless boats, boats that fail to meet U.S. Coast Guard regulations, boats with wooden hulls, and boats owned by more than 2 people.

Your RV is so much more than a car, so it needs more than an auto insurance policy to protect it. Esurance offers a variety of insurance coverage options to suit your specific camper or motorhome needs and uses including:

  • Liability
  • Collision
  • Comprehensive
  • Medical payments
  • Personal effects
  • Camping equipment

Optional RV insurance coverages:

  • Uninsured/underinsured motorist
  • Emergency towing
  • Rental: Covers the cost of a rental car if your RV breaks down. 

Esurance will only insure motorhomes, camper, and RV’s that include permanently installed cooking appliances, bathroom, refrigeration, self-contained heating and air conditioning, drinkable water supply, and 110-125 volt electric system.  

Esurance offers snowmobile insurance under the umbrella of their motorcycle insurance policies. You can customize your snowmobile coverage based on your experience level so you can get affordable rates whether your speeding through the snow every weekend or only a few times a year. 

While snowmobile insurance isn’t legally required in every state, it’s highly recommended that you have the following coverages:

  • Liability
  • Medical payments
  • Collision
  • Comprehensive
  • Towing and labor
  • Transport trailer physical damage
  • Optional equipment: Covers damage to things like cargo racks, saddle bags, etc. If you own collision and comprehensive coverage, you are automatically covered for $3,000. 

Esurance has partnered with Hagerty to provide classic car insurance that covers more than just vintage vehicles. You can get protection for your modified, limited edition cars, classic trucks, vintage motorcycles, exotics and even military vehicles. 

Esurance and Hagerty provides standard coverage like liability, collision, and comprehensive, but they also offer numerous additional, specialty coverages including:

  • Guaranteed Value™: Pays out the true, agreed upon value of your collector car in the event of a total loss (minus your deductible).
  • Instant new purchase: Automatic 30-day coverage up to $50,000 when you buy a new classic car.
  • Auto show medical reimbursement: Covers up to $10,000 for injuries at car shows.
  • Spare parts: Covers $750 for the spare vehicle parts stored in your garage; only available if you have comprehensive coverage. 
  • Hagerty Plus® roadside service: Provides coverage for emergency fuel delivery, tire changes, battery jumps, etc. from tow truck companies who know how to treat classic cars. You’ll also automatically become a member of the Historic Vehicle Association.
  • Motorcycle safety equipment: Covers your motorcycle safety gear up to $1,000. 
  • Automotive tools: Covers tools, toolboxes, storage cabinets, and other accessories.
  • Automobilia: Covers any collectible or historic items you own related to cars like gas pump displays, old license plates, hood ornaments, etc.
  • Traveling collector: Covers food, shelter, and rental car expenses if your collector car breaks down while you’re away from home. 
  • Vehicle under construction endorsement: Provides coverage and guaranteed value to a vehicle you’re currently restoring. 
  • Total loss market value: Pays you the actual cash value of your vehicle at the time of the total loss, which includes depreciation, wear and tear, etc. 
  • Total loss agreed value: Pays the value amount you agreed upon at the purchase point of your policy, regardless of your cars current market value. 
  • Total loss replacement/purchase price: Pays for the complete replacement of your totaled car with a current model year if your car was at most 5 model years old. If you car was more than 5 years old at the time of the accident, you’ll receive the original purchase price. 

Esurance provides commercial auto insurance through a partnership with Commercial Insurance.NET to provide coverage for a variety of work vehicles. Esurance can provide commercial auto insurance for regular cars and SUVs, pickup trucks, utility vans, bucket trucks, catering trucks, refrigerator trucks, stakebed trucks, light and medium weight dump trucks, and box trucks. 

Your personal car insurance policy will not protect vehicles you use for business purposes. Luckily, a commercial auto policy through Esurance can provide:

  • Medical payments
  • Uninsured motorist
  • Collision
  • Comprehensive
  • Loading and unloading: Covers liability injuries or accidents that occur while loading/unloading products or equipments from the vehicle.

Additional commercial auto coverages include:

  • Extended liability: Provides liability coverage for any subsidiary companies you own.
  • Blanket additional insured protection: Provides liability protection for anyone temporarily working for you.
  • Temporary substitute and leased vehicles: Provides physical damage coverage for cars you’re renting while yours are in the repair shop. 
  • Personal effects
  • Collision coverage deductible waiver
  • Glass repair deductible waiver
  • Lease and loan gap: Pays the difference between the settlement you were paid for your totaled work vehicle and the amount you had left to pay for its loan/lease. 
  • Fellow employee: Protects your business from injury claims if one employee injures another.
  • Unintentional errors or omissions guarantee: Protects you from a lower settlement if you make a mistake in the claim report. 
  • Supplementary payment enhancements: Increases liability coverage
  • Towing and labor
  • Rental reimbursement 
  • Sound system coverage
  • Inland marine: Covers your tools from theft and damage while in your vehicle 
  • Hired automobile: Extends liability and physical damage protection to work vehicles you rent temporarily. 
  • Non-owned automobile liability: Extends liability to your employee’s cars if they cause an accident while using their personal car for business purposes. 

Protect your home and everything in it with an Esurance homeowners policy. A standard home insurance policy (also known as an HO-3 policy) can cover you from losses caused by fires or lightning, windstorms, hail, explosions, riots, aircrafts, vehicles, smoke, theft or vandalism, falling objects, weight of ice, snow, or sleet, and freezing of plumbing or other household systems. 

A home insurance policy with Esurance typically offers:

  • Dwelling protection
  • Other structures protection
  • Additional living expense coverage: Pays to relocate and shelter you when your home is considered uninhabitable after a covered loss. 
  • Water backup coverage
  • Personal property insurance
  • Family liability protection
  • Guest medical protection
  • Fire department charges coverage: Provides up to $5,500 to cover the cost of the fire department responding to a call. 

Optional homeowners coverages include:

  • Building codes: Covers the cost of repairing your damaged home up to city codes and regulations. 
  • Increased building structure: Extra dwelling protection.
  • Identity theft expense: Covers up to $10,000 in recovery costs. 
  • Fair rental income protection: Pays lost revenue if a space you rent out is uninhabitable after a loss. 
  • Home day care coverage
  • Extended premises: Covers your liability if you own a tenant building. 

Esurance offers a variety of condo insurance coverage options so you can protect what your condo association’s insurance doesn’t. Your condo association insurance will typically cover structures outside of your unit such as the walls, ceilings, and common areas. 

Also known as an HO-6 policy, your personal condo insurance is meant to cover things specific to your unit including:

  • Personal belongings
  • Interior structure: Coverage for things like flooring, inner walls, countertops, and fixtures within your unit. 
  • Improvements: Coverage for renovations you make to your unit. 
  • Liability
  • Loss assessment: Covers damage to common areas, land, shared amenities, and exterior structures that exceeds the condo association insurance policy limits. 
  • Identity theft
  • Scheduled property: Covers the cash value for valuable items like jewelry, antiques, furs, etc. 
  • Loss of use: Pays for relocation and shelter when your condo is deemed uninhabitable after a cover loss. 

An Esurance renters insurance policy will provide protection for your personal belongings whether you’re renting a house, apartment, or condo. Your landlord’s insurance will not cover your personal belongings, but rather the building’s exterior structure. So, it’s up to you to protect your belongings and valuables with:

  • Personal property coverage
  • Personal liability coverage
  • Medical payments
  • Property damage to others
  • Additional living expenses: Pays to relocate you when your apartment is considered uninhabitable after a covered loss. 

Additional renters insurance coverage options include:

  • Replacement cost: Covers your lost personal belongings at current market value instead of the actual cash value, meaning it won’t account for wear and tear of your items. 
  • Sewer or drain backup 
  • Earthquake
  • Insurance riders: Provides additional protection for valuable items like jewelry, antiques, etc. 

A standard home insurance policy doesn’t cover flood damage so it’s important to have a separate insurance policy through Esurance and the National Flood Insurance Program.

Flood insurance will only cover damages directly related to a flood. If that is the case, your insurance will provide coverage for:

  • Building property: Pays for damages to the insured building and its foundation, electrical and plumbing systems, central air conditioning equipment, furnaces, and water heaters, refrigerators, stoves, dishwashers, permanently installed carpeting over unfinished flooring, permanently installed paneling, wallboard, bookcases, and cabinets, window blinds, detached garages and other buildings, debris removal. 
  • Personal property: Pays to repair or replace personal belongings such as clothing, furniture, electronics, curtains, window air conditioners, microwaves, washers and dryers, freezers and the food in them, and certain valuables like artwork. These items will be replaced with actual cash value, meaning depreciation and wear and tear is included in factoring their worth. 

Esurance offers umbrella insurance, which acts as a secondary liability policy if you should exceed your home and auto insurance liability limits after you’re sued for an at-fault accident.

A personal umbrella policy through Esurance will provide:

  • Up to $10 million in liability coverage
  • Personal liability and personal auto protection
  • Liability coverage for non-owned watercraft and other recreational vehicles
  • Worldwide coverage 

Your policy can also cover:

  • An unlimited number of drivers (aged 23 to 89)
  • An unlimited number of vehicles
  • An unlimited number of watercraft (under 75 feet long and capable of going less than 50mph)
  • Up to 15 property locations
  • Trusts, estates, personal limited liability corporations (LLCs), or limited partnerships

In order to qualify for an Esurance umbrella insurance policy you must first have:

  • A home insurance policy with at least $300,000 of personal liability 
  • An Esurance car insurance policy with limits of $250,000/$500,000 for bodily injury, $100,000 for property damage, and uninsured/underinsured motorist
  • No more than one at-fault accident on you personal driving record 

Esurance offers a variety of health insurance plans through their trusted partners. In general, your health insurance will help cover:

  • Doctor visits
  • Surgeries
  • Hospital bills
  • Pharmacy costs
  • X-rays
  • Lab expenses
  • Dental 

Esurance offers a variety of life insurance policies meant to support your family in the event of your accidental death. Esurance makes term life insurance affordable and flexible for young, healthy families by letting them choose their policy term (1 to 30 years). They also offer whole and universal life policies. 

With the help of their trusted partners, an Esurance life insurance will typically help you cover funeral expenses, your children's college tuitions and, mortgage payments. 

Esurance has partnered with Petplan with to provide their customers with pet insurance to reimburse the cost of veterinary bills up to $22,000.

Veterinary treatments that are typically covered include:

  • Prescription medications
  • X-rays, MRI, and other imaging
  • Laboratory and diagnostic testing
  • Hospitalization and surgery
  • Cancer treatment
  • Hereditary conditions
  • Dental conditions
  • Long-term chronic conditions, like diabetes or hip dysplasia
  • Alternative treatments, like acupuncture or hydrotherapy

Esurance and their trusted insurance partners provide cell phone insurance which covers smartphones (regardless of when they were purchased) from things such as:

  • Theft and misplacement 
  • Damage, including water damage 
  • Mechanical and electrical failure after the manufacturer's warranty has expired

Esurance has partnered with BizInsure to offer their customers major coverage types that protect you and your business after an accident, including:

  • Commercial General Liability (CGL) Insurance: Covers the cost of a lawsuit due to property damage, bodily injury, or another type of accident. 
  • Professional Liability or Error and Omissions (E&O) Insurance: Provides liability coverage against alleged wrongful acts or negligence while working in a professional setting. 
  • Business Owners Policy (BOP): A package product which covers damages to property, business interruptions, liability, etc. 

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Company History

Headquartered in San Francisco, California, Esurance was founded in 1998. Esurance is currently a subsidiary of Allstate, and holds a 2014 JD Power and Associates rating of 2 out of 5 for overall customer satisfaction. Esurance specializes in vehicle, and property insurance.

Esurance Reviews

5 Stars
77% Complete
4 Stars
14% Complete
3 Stars
3% Complete
2 Stars
1% Complete
1 Star
2% Complete
Most Positive Review
By Insurify User
September 1, 2014

Esurance is not only affordable but very efficient as well. They took care of my claim very quickly and without any hassle. Everyone was pleasant and on top their work. As a matter of fact I was overwhelmed with the attention on got. The check arrived at the body shop before my car was there! I have recommended esurance to all my friends and family.

Most Critical Review
By Shane
December 3, 2017

Poor billing procedures or information changes to billing procedures has messed me up significantly causing me financial burdens and coverage problems beyond comprehension. Was uninsured without knowledge, dropped coverage for no fault of my own. Then offered a chance to reinstate and once again no letter with attached statement for billing. Only thing received was a letter of debt collection for $49.00. now I'm trying to fix your mistake and it's costing me lots of time which info not have and hundreds if not thousands of $.