Esurance - Car Insurance

Compare rates from top companies

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million


Been Here Before?

Get Back to My Quotes
Last Updated: January 2022
Click here for our full review of Esurance car insurance quotes, discounts, and coverages.



Composite Score
What is this?
U.S Auto Insurance Shopping Study (2018)
Call Center RepresentativeAmong the best
Insurer WebsiteAbout average
Overall SatisfactionAbout average
Policy OfferingsAbout average
PricingAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
Claim ServicingAbout average
Estimation ProcessAbout average
First Notice of Loss (FNOL)About average
Overall SatisfactionAbout average
Rental ExperienceAbout average
Repair ProcessThe rest
SettlementAbout average
J.D. Power Ratings by Region (out of 1000)
RegionRatingsState Average
California818About average
Florida826About average
North Central799The rest
Esurance Ratings
BrandRatingsUser reviews
Mobile App (iOS)
Mobile App (Android)
Trust Pilot
Trustpilot score: 3.0
TrustScore 3
J.D. Power Ratings by Region (out of 1000)
Company NameRatings
A.M. BestA+


The largest discounts from Esurance are: Good Driver, Passive Restraint, Anti-Theft Device

Carrier Discounts
Discount %
Good DriverPassive RestraintAnti-Theft DeviceAccident FreeMultiple PolicyAlumniDefensive DriverGood StudentPrepayPaid in fullAnti-lock BrakeMultiple VehicleOrganizationProvider SwitchRoadside AssistanceStarting your auto quote onlineDriving Habits
Discount Group
Discount TypeDiscount %
Good Driverup to 40%
Passive Restraintup to 33%
Anti-Theft Deviceup to 25%
Accident Freeup to 25%
Multiple Policyup to 15%
Alumniup to 15%
Defensive Driverup to 10%
Good Studentup to 10%
Prepayup to 10%
Paid in fullup to 10%
Anti-lock Brakeup to 5%
Multiple Vehicleup to 5%
Organizationup to 5%
Provider Switchup to 5%
Roadside Assistanceup to 5%
Starting your auto quote onlineup to 5%
Driving Habitsup to 5%
Home OwnerVaries
Signing documents when you buy onlineVaries

Payment methods

  • complete-tick.svg
    Mobile App Payments

Features and Services

Esurance has covered policyholders for over 20 years. Their insurance agents are available for customer support 24 hours a day, 7 days a week, 365 days a year. Esurance's mobile app makes it easy for customers to manage your policy, make payments, and file a claim. Filing can also be done online or over the phone. In certain states, customers can provide photo claims and video appraisals in the event of an accident. But Esurance’s technological innovation doesn’t stop there. Esurance offers DriveSafe, a mobile app that monitors teens' driving habits and smartphone usage; RepairView, which lets customers monitor their car’s repair process online; the What If Calculator, which allows customers to estimate premiums in the case of hypothetical claims or tickets; and Fuelcaster, which allows customers to find the best deal on gas in your area.

  • benefit/247service.svg
    24/7 service
  • benefit/mobile-app.svg
    Mobile app
  • benefit/policy-bundling.svg
    Policy bundling discounts
  • benefit/online-portal.svg
    Online account management
  • benefit/policy-bundling.svg
    Policy bundling discounts

Car Insurance Coverage

Not seeing the state you're looking for? See all states here.

Optional Coverage

  • complete-tick.svg
    Incident Forgiveness
  • complete-tick.svg
    Loss of Use Coverage
  • complete-tick.svg
    Mechanical Breakdown Insurance
  • complete-tick.svg
    Emergency Assistance Coverage
  • complete-tick.svg
    Roadside Assistance
  • complete-tick.svg
    Rental Reimbursement
  • complete-tick.svg
    Gap Insurance
  • complete-tick.svg
    Original Equipment Manufacturer Coverage

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

SR‌-22 Insurance by State

Esurance Insurance Products

Learn more about Esurance Life Insurance

Car Insurance
Motorcycle Insurance
ATV Insurance
Boat Insurance
RV Insurance
Snowmobile insurance
Classic Car Insurance
Commercial Insurance
Home Insurance
Condo Insurance
Renters Insurance
Flood Insurance
Umbrella Insurance
Health Insurance
Life Insurance
Pet Insurance
Cell Phone Insurance
Business Insurance

FAQs - Esurance Car Insurance

How does Insurify work?

Insurify lets you freely compare accurate car insurance quotes and discounts from top national and regional insurance companies in a matter of minutes. You can choose between coverage levels and adjust deductibles to ensure you're not just getting the cheapest policy, but the most appropriate one, too. Users save an average of $489 a year when they buy a new insurance policy through Insurify.

How does Insurify find me the cheapest car insurance quotes?

Think of Insurify as your personalized, online insurance agent. Insurify's platform uses the latest in AI to match you with real, accurate, and bindable car insurance quotes based on your driver history and budget. Insurify is not an insurance company and will not share the information you share on the site with any third party.

How is Insurify different from other insurance quote comparison sites?

Insurify is the top-rated and most-rated insurance comparison website in America. Unlike comparison sites that just take your information and sell it to the highest bidder, Insurify is built on trust and empowerment. No matter your license record, budget, or regional background, Insurify is committed to securing the cheapest and best deals that work for you.

Compare Esurance to GEICO

Esurance vs GEICO

Company History

Dennis Quaid? Is that you? 

Headquartered in San Francisco, California, Esurance was founded in 1998. Esurance is currently a subsidiary of the insurance provider Allstate and holds a J.D. Power and Associates rating of 3 out of 5 for overall customer satisfaction. 

Esurance specializes in auto insurance and other forms of property and casualty coverage, including motorcycle insurance, ATV insurance, boat insurance, RV insurance, homeowners insurance, condo insurance, renters insurance, and pet insurance. Esurance customers can even purchase health or life insurance coverage through one of Esurance's underwriting partners. 

Esurance boasts an A.M. Best rating of "A+," denoting superior financial strength and ability to pay out claims. 

For more information, visit

How to cancel your Esurance Car Insurance Policy

You can cancel your policy by contacting customer service at 800-378-7262.

Cancellation Fee: $30 - $50

Esurance Reviews

5 Stars
62 %
4 Stars
15 %
3 Stars
7 %
2 Stars
4 %
1 Star
12 %

Most Helpful Review

By Andrea
Ypuve been easy and great to deal with, im just looking to pay less.

Most Critical Review

By Shane
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 $.

All Reviews

Showing 1 - 10 out of 1000 Reviews
Sort by

Read reviews that mention

Erik Peer
Terrible customer service... dropped my vehicle off. Drive an hour away to pick up rental only to spend over an hour trying to get assistance which only got me nowhere.... unreal I will be going to another insurance company due to the facts that no one can help you and just pass you from person to person with no result... and apparently the New York office only has 2 employees... wtf unbelievable
Heather Snell
Don't do it! There is cheaper rates with much better coverage! In addition, they charged me $50 to cancel after I had been with them accident free for over 2 years! I moved to State Farm and couldn't be happier.
Offered me $100 for my total loss
Raised my rates for now reason then charged me a 10% cancellation fee. Will never return no matter what and I will never switch to any of their partner companies.
A huge corporation and they cannot support essential workers during a pandemic. This is so upsetting and boggling. This company orders over 200 dollars worth of food on a busy Friday morning requested free delivery and could not even tip 10%. My paycheck solely depends on the gratitude of customers and guests and a large company cannot even leave a courtesy tip.
No need
As everyone else are saying, this is a horrible company. Paid a payment one time with a credit card and they but never late. They processing made it late in their system in September. This is April and they raised my rate 80 dollars. What the fuck. Hate y'all and leaving ASAP
Zo Nolan
Wanted to leave a 1 star because they didn't let me add two different plus took $89.00 for no reason...Won't come back 2020!!!
Dee Bolen
We have einsurance my son was hit by another vehicle months ago. Both of my sons were in the vehicle and my son who was the passenger was taken to the ER. The medical claim was to be paid out by esurance. Additionally both of my sons required chiropractic care. the medical portion is the responsibility of esurance. We are five months post accident and esurance has yet to pay the medical portion of my son who was the passenger. They claim they need an affidavit to prove he is not covered under any other insurance. We have emailed, snail mailed and faxed the affidavit both from my home and the chiropractor‘s office on multiple occasions. They claim they have not received the affidavit and they still have not paid these bills, we are now receiving past due notices. The son who they did not require an affidavit for who was clearly covered under the policy it took them over four months to pay his medical claims… 2 weeks ago they claimed they mailed out the checks months ago, yet several of the checks showed up within a two day period just last week, but it’s still not the full amount they owe for him. No one ever returns calls and no one is ever at their desks. I can guarantee you they are NEVER late when it comes to collecting their premium from my bank acct! This is just unprofessional and unacceptable.
Kristi Knudson
I think the esurance AD should be taken off of the internet. I don't care if it's fake or not fake, but it shows a frog with springs on its feet. That is called maltreatment of animals fake or not fake. I am turning them in for this problem if they don't take the ad off of the internet because I'm going to consumer affairs and the BBB because you are not supposed to show anything like that on the internet and they do it anyway so I would assume they would take it off unless they want to get in trouble for maltreatment of a animal!!!!!!!I would never trust this insurance company because of that fact.
Showing 1 - 10 out of 1000 reviews

Esurance Car Insurance Information

Insurify Composite Score94
Number of discounts19
Number of reviews4728
User Rating4.5
A.M. BestA+


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.