Esurance Car Insurance Review for 2025 [Expert Evaluation]

Our Esurance car insurance review found Esurance offers excellent add-on coverage options for customizable car insurance. However, while most customers appreciate its claims process, there are notable customer service complaints. Esurance rates start at $36/mo for good drivers.

UPDATED: Feb 4, 2025Fact Checked

Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

UPDATED: Feb 4, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

UPDATED: Feb 4, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 4, 2025Fact Checked

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Esurance

Average Monthly Rate For Good Drivers

$36

A.M. Best Rating:

A+

Complaint Level:

Med

Pros

  • Good driver discounts
  • Multiple car insurance options
  • Strong financial stability

Cons

  • Higher number of customer complaints
  • No accident forgiveness

Our Esurance car insurance review found the company’s benefits include extensive add-on coverage options and competitive rates for safe drivers. With a clean driving record, you can secure affordable rates at Esurance.

Esurance Car Insurance Review

However, Esurance has a higher-than-average number of customer complaints, indicating potential customer service issues at the company.

Esurance Car Insurance Rating

Rating CriteriaTablePress Logo
Overall Score4.3
Business Reviews4.0
Claim Processing4.5
Company Reputation4.0
Coverage Availability4.9
Coverage Value4.1
Customer Satisfaction4.0
Digital Experience4.5
Discounts Available5.0
Insurance Cost4.1
Plan Personalization4.5
Policy Options3.8
Savings Potential4.4

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While Esurance excels for safe drivers who can access discounts for good behavior, those with a history of accidents may find better options elsewhere.

When buying car insurance, it’s essential to compare multiple insurance quotes to ensure you get the best deal tailored to your needs. Start now by entering your ZIP in our free quote tool.

Just the Basics

  • Esurance has excellent add-on car insurance coverages available
  • Numerous customer complaints indicate subpar customer service
  • Esurance rates can be reduced by applying for Esurance discounts

Esurance Car Insurance Rates

The cost of Esurance vehicle insurance will depend on several customer factors, such as driver age and gender. Teenage drivers not joining a parent’s policy will see the highest rates, with male teenagers paying slightly more  (Read More: Perks of Staying on Your Parent’s Policy).

Esurance Car Insurance Monthly Rates by Age, Gender, & Coverage Level

Age & GenderMinimum CoverageFull Coverage
Age: 16 Female$175$634
Age: 16 Male$195$647
Age: 18 Female$145$470
Age: 18 Male$164$560
Age: 25 Female$60$120
Age: 25 Male$70$130
Age: 30 Female$53$120
Age: 30 Male$58$125
Age: 45 Female$43$110
Age: 45 Male$49$114
Age: 60 Female$39$100
Age: 60 Male$38$105
Age: 65 Female$37$95
Age: 65 Male$36$100

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Minimum coverage is the cheapest option for Esurance customers, but bear in mind that it doesn’t include collision and comprehensive coverages, which are two vital coverages for cars.

INFO CARD

In addition to driver age and coverage choices, Esurance insurance rates will be affected by a driver’s driving record.

Drivers with clean driving records are seen as low-risk to insure, which is why they have the cheapest rates.

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Esurance Car Insurance Rates vs. the Competition

An important part of choosing a company is comparing costs among providers. Esurance’s costs tend to fall in the middle when compared to competitors.

Esurance’s Rates Compared to Competitors for Age and Gender

Insurance CompanyAge: 18-25 FemaleAge: 18-25 MaleAge: 26-35 FemaleAge: 26-35 MaleAge: 36-45 FemaleAge: 36-45 MaleAge: 46-55 FemaleAge: 46-55 Male
Allstate: Nationwide Car Insurance Review$162$167$132$135$113$117$104$108
TablePress Logo$142$150$121$125$104$108$96$100
Farmers: Nationwide Car Insurance Review$165$170$135$137$115$120$106$104
Geico: Nationwide Car Insurance Review$143$146$127$129$110$113$102$103
Liberty Mutual: Nationwide Car Insurance Review$170$175$138$140$118$123$108$107
Nationwide: Nationwide Car Insurance Review$160$165$130$134$111$115$104$110
Progressive: Nationwide Car Insurance Review$148$152$128$132$109$113$101$104
State Farm: Nationwide Car Insurance Review$158$163$131$133$112$116$103$106
Travelers: Nationwide Car Insurance Review$155$160$129$132$110$114$102$105
USAA: Nationwide Car Insurance Review$145$150$125$127$108$112$100$103

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The best company cost-wise will also depend on your driving record, as some companies specialize in cheaper insurance for high-risk drivers.

Monthly Auto Insurance Rates Based on Driving Records

Insurance CompanyClean RecordOne AccidentOne DUIOne Ticket
Allstate: Nationwide Car Insurance Review$130$190$240$160
TablePress Logo$120$180$220$150
Farmers: Nationwide Car Insurance Review$135$195$245$165
Geico: Nationwide Car Insurance Review$105$170$205$135
Liberty Mutual: Nationwide Car Insurance Review$125$185$225$155
Nationwide: Nationwide Car Insurance Review$118$178$215$148
Progressive: Nationwide Car Insurance Review$115$165$210$145
State Farm: Nationwide Car Insurance Review$110$160$200$140
Travelers: Nationwide Car Insurance Review$122$182$220$152
USAA: Nationwide Car Insurance Review$100$160$195$130

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If you have a clean driving record, Esurance will be one of the more affordable companies for your insurance needs, with only companies like Geico having cheaper rates (Read More: Geico car insurance review).

Esurance Car Insurance Coverage

Esurance sells the basics that drivers need to fulfill state requirements, as well as optional coverages to create personalized policies.

Esurance Auto Insurance Coverages

Coverage NameWhat it Covers
Liability CoverageCovers bodily injury and property damage to others
Collision CoverageCovers repair or replacement of your vehicle
Comprehensive CoverageCovers non-collision damage like theft or natural disasters
Medical Payments CoverageCovers medical expenses for you and your passengers
Uninsured Motorist CoverageCovers damages if the other driver lacks insurance
Underinsured Motorist CoverageCovers damages if the driver has insufficient insurance
Personal Injury ProtectionCovers medical expenses, lost wages, and other costs
Emergency Roadside AssistanceCovers towing, flat tires, and other roadside services
Rental Car CoverageCovers the cost of a rental while your car is being repaired
Gap CoverageCovers the difference between the car's value and loan

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Esurance add-on options are extensive, ranging from new car value protection to protection for breakdowns on the road (Learn More: The Perks and Pitfalls of Car Insurance Add-Ons).

Esurance Car Insurance Discounts

You can lower your car insurance cost at Esurance with discounts. Esurance discounts range from discounts for good grades to discounts for bundling home and auto insurance.

Esurance Discount Guide: Maximize Savings with These Top Offers

Discount NameSavings PotentialHow to Qualify
Multi-Policy10%Bundle auto with home, renters, or life insurance
Fast 5®5%Start a quote online
Switch & Save®5%Switch to Esurance from another insurer
Homeowner10%Own a home
Paid-in-Full10%Pay your premium in full upfront
Anti-Theft25%Have an approved anti-theft device in your car
Good Student10%Full-time student with a GPA of 3.0 or higher
Defensive Driver10%Complete a state-approved defensive driving course
DriveSense®10%Use Esurance’s telematics app
Claim-Free10%No claims in the last 5 years

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If you are a safe driver, you will have lower rates just for being claims-free. You can also join Esurance’s DriveSense program for a good driver discount.

However, safe drivers should know that Esurance doesn’t have accident forgiveness, so safe drivers will still have a rate increase after their first at-fault accident at Esurance.

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Esurance Customer Reviews

Customer reviews about Esurance are mixed, which is normal for an insurance company. While there are some negative reviews from customers, positive feedback about the claims process has been left on sites like Reddit.

Customers on Reddit are generally happy with claim settlements (Read More: How to Negotiate a Settlement after a Car Accident). Of course, there is some negative feedback about the claims processing as well, so overall, Esurance has average claims handling and customer service according to customers.

Esurance Business Ratings

Like customer reviews, business ratings give insight into Esurance’s operations, whether its customers’ experience with filing a car insurance claim after an accident or Esurance’s financial stability.

Esurance Car Insurance Business Ratings & Consumer Reviews

AgencyTablePress Logo
J.D. Power TablePress LogoScore: 810 / 1,000
Avg. Satisfaction
Score: A
Business Operations
Consumer Reports TablePress LogoScore: 72/100
Mixed Customer Feedback
Score: 1.20
More Complaints
A.M. BestScore: A+
Superior Financial Strength

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J.D. Power and Consumer Reports rated Esurance’s customer satisfaction as average, and the NAIC found Esurance has more customer complaints than average. However, Esurance does have strong financial stability according to A.M. Best and a good rating from the BBB.

Esurance Pros and Cons

Esurance isn’t perfect, but several aspects of the company may entice customers to sign up for an Esurance auto insurance policy.

  • Coverage Variety: The different types of car insurance coverage that Esurance offers make it easier for customers to customize Esurance policies.
  • Good Driver Discounts: Safe driving with Esurance coverage pays off with several discounts for safe drivers.
  • Financial Stability: Esurance is a financially responsible company with a good rating for its business practices.

Of course, some aspects of Esurance could potentially deter customers. The main cons of Esurance are:

  • Customer Complaints: Esurance has a higher-than-average number of customer complaints, which indicates some issues in how the company operates.
  • No Accident Forgiveness: Esurance doesn’t forgive safe drivers their first accident.

If you are on the fence about buying Esurance coverage, we recommend getting a quote from Esurance to consider price, reputation, and coverage options fully.

Esurance car insurance review: Esurance Homepage

If the quoted rate from Esurance is high, then compare your Esurance car insurance quote to other companies’ quotes to see if there is a better deal on auto insurance.

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Deciding if Esurance is the Right Car Insurance Company for You

Our Esurance car insurance review found the main pro of Esurance is its extensive add-on coverage options. Additionally, Esurance’s good financial stability rating from A.M. Best sets it apart in the industry. However, a major con is its higher-than-average number of customer complaints.

Safe drivers with clean records will benefit the most from Esurance, as the company offers competitive rates for good drivers.

Dani Best Licensed Insurance Producer

Looking to find a great auto insurance company among the cheapest car insurance companies? To ensure you find the best policy, compare quotes from multiple car insurance companies with our free tool.

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Frequently Asked Questions

Is Esurance good for car insurance?

Esurance is a reputable company for those looking for car insurance coverage.

Is Esurance good at paying claims?

Esurance has an average satisfaction score from J.D. Power for claims satisfaction, so while it’s not the worst at paying claims, it’s not the best either.

Who owns Esurance?

Esurance’s parent company is Allstate. Learn more about Allstate in our Allstate car insurance review.

What is the difference between Allstate and Esurance?

Allstate is Esurance’s parent company. Out of the two companies, Allstate is more expensive on average than Esurance.

Does Esurance have accident forgiveness?

No, Esurance does not have accident forgiveness for good drivers.

Who is cheaper than Esurance?

USAA is cheaper than Esurance on average, as it COMPANY. Learn more about these companies in our USAA car insurance review and COMPNAY.

What is full coverage with Esurance?

Full coverage with Esurance will be your state-required coverage, typically liability insurance, combined with collision and comprehensive coverage.

Does Esurance run your credit?

Yes, Esurance will run your credit score unless you live in a state where this is prohibited for car insurance companies. If you have a poor credit score and need to find affordable car insurance, you can use our free quote tool to shop around.

Does Esurance cover engine failure?

Esurance only covers engine damage if it was caused by a covered accident (Learn More: What does car insurance cover?).

Is there a fee to cancel Esurance?

Yes, Esurance charges a fee to cancel your Esurance car insurance policy if you cancel before your policy expires.

Merriya Valleri

Expert Insurance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Expert Insurance Writer

Justin Wright

Licensed Insurance Agent

Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

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