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.
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
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
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.
On This Page
Esurance
Average Monthly Rate For Good Drivers
$36A.M. Best Rating:
A+Complaint Level:
MedPros
- 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.
However, Esurance has a higher-than-average number of customer complaints, indicating potential customer service issues at the company.
Esurance Car Insurance Rating
Rating Criteria | ![]() |
---|---|
Overall Score | 4.3 |
Business Reviews | 4.0 |
Claim Processing | 4.5 |
Company Reputation | 4.0 |
Coverage Availability | 4.9 |
Coverage Value | 4.1 |
Customer Satisfaction | 4.0 |
Digital Experience | 4.5 |
Discounts Available | 5.0 |
Insurance Cost | 4.1 |
Plan Personalization | 4.5 |
Policy Options | 3.8 |
Savings Potential | 4.4 |
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.
- 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 & Gender | Minimum Coverage | Full 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 |
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 Company | Age: 18-25 Female | Age: 18-25 Male | Age: 26-35 Female | Age: 26-35 Male | Age: 36-45 Female | Age: 36-45 Male | Age: 46-55 Female | Age: 46-55 Male |
---|---|---|---|---|---|---|---|---|
$162 | $167 | $132 | $135 | $113 | $117 | $104 | $108 | |
![]() | $142 | $150 | $121 | $125 | $104 | $108 | $96 | $100 |
$165 | $170 | $135 | $137 | $115 | $120 | $106 | $104 | |
$143 | $146 | $127 | $129 | $110 | $113 | $102 | $103 | |
$170 | $175 | $138 | $140 | $118 | $123 | $108 | $107 | |
$160 | $165 | $130 | $134 | $111 | $115 | $104 | $110 | |
$148 | $152 | $128 | $132 | $109 | $113 | $101 | $104 | |
$158 | $163 | $131 | $133 | $112 | $116 | $103 | $106 | |
$155 | $160 | $129 | $132 | $110 | $114 | $102 | $105 | |
$145 | $150 | $125 | $127 | $108 | $112 | $100 | $103 |
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 Company | Clean Record | One Accident | One DUI | One Ticket |
---|---|---|---|---|
$130 | $190 | $240 | $160 | |
![]() | $120 | $180 | $220 | $150 |
$135 | $195 | $245 | $165 | |
$105 | $170 | $205 | $135 | |
$125 | $185 | $225 | $155 | |
$118 | $178 | $215 | $148 | |
$115 | $165 | $210 | $145 | |
$110 | $160 | $200 | $140 | |
$122 | $182 | $220 | $152 | |
$100 | $160 | $195 | $130 |
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 Name | What it Covers |
---|---|
Liability Coverage | Covers bodily injury and property damage to others |
Collision Coverage | Covers repair or replacement of your vehicle |
Comprehensive Coverage | Covers non-collision damage like theft or natural disasters |
Medical Payments Coverage | Covers medical expenses for you and your passengers |
Uninsured Motorist Coverage | Covers damages if the other driver lacks insurance |
Underinsured Motorist Coverage | Covers damages if the driver has insufficient insurance |
Personal Injury Protection | Covers medical expenses, lost wages, and other costs |
Emergency Roadside Assistance | Covers towing, flat tires, and other roadside services |
Rental Car Coverage | Covers the cost of a rental while your car is being repaired |
Gap Coverage | Covers the difference between the car's value and loan |
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 Name | Savings Potential | How to Qualify |
---|---|---|
Multi-Policy | 10% | Bundle auto with home, renters, or life insurance |
Fast 5® | 5% | Start a quote online |
Switch & Save® | 5% | Switch to Esurance from another insurer |
Homeowner | 10% | Own a home |
Paid-in-Full | 10% | Pay your premium in full upfront |
Anti-Theft | 25% | Have an approved anti-theft device in your car |
Good Student | 10% | Full-time student with a GPA of 3.0 or higher |
Defensive Driver | 10% | Complete a state-approved defensive driving course |
DriveSense® | 10% | Use Esurance’s telematics app |
Claim-Free | 10% | No claims in the last 5 years |
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
Agency | ![]() |
---|---|
Score: 810 / 1,000 Avg. Satisfaction |
|
Score: A Business Operations |
|
Score: 72/100 Mixed Customer Feedback |
|
Score: 1.20 More Complaints |
|
Score: A+ Superior Financial Strength |
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.
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.
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.