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How do customers rate Esurance, Inc.?

are likely to renew their policy
are likely to renew their policy
are likely to renew their policy

Esurance, Inc. ratings and coverages

What car insurance discounts does Esurance offer?

Esurance offers budget auto insurance with relatively low introductory rates. Part of your premium amount is based on the auto coverage you choose like your deductibles, rental car coverage, etc. Savvy customers can save more by taking advantage of the below discounts:

  • Fast 5 Discount: Save 5 percent on your first policy term by starting a quote on Esurance’s website
  • Multi-Policy Discount: Bundling another Esurance policy with your Esurance auto policy could save you money on both premiums
  • Paid-in-Full Discount: Paying your Esurance premiums in one lump sum could save you up to 10 percent
  • Switch & Save Discount: Switching to Esurance from another insurance company could save customers up to 5 percent on their premium
  • Claim-Free Discount: Drivers who have been without a claim for five or more years, have at least one person on the policy with more than five years of driving experience and had another car insurance company at the time they bought an Esurance policy are eligible for a 10 to 25 percent discount
  • Homeowners Discount: Owning a home — regardless of whether it is insured with Esurance — could save Esurance policyholders on their auto insurance
  • Renters Plus Discount: Esurance policyholders who add a renters insurance policy to their auto policy are eligible for a discount in some states
  • Emergency Road Assistance Discount: Esurance customers can save up to 5 percent on their auto insurance by purchasing emergency road assistance from another provider
  • Pac-12 Discount: Attending or being an alumni of a Pac-12 school could save customers up to 15 percent on their premiums
  • Defensive Driver Discount: Esurance customers who complete approved mature driver, driver improvement or accident prevention courses are eligible for a discount of up to 10 percent
  • Good Driver Discount: Holding a valid driver's license for at least three years with zero or one penalty points on your driving record could save you up to 30 or 40 percent on your car policy
  • Good Student Discount: Full-time students under the age of 25 who maintain a “B” average or above are eligible for up to 10 percent off their Esurance auto insurance
  • Multi-Car Discount: Insuring more than one car on the same policy could save you money
  • Anti-Theft Discount: Esurance offers a discount of up to 25 percent to customers with vehicles equipped with an approved anti-theft device
  • Safety Device Discount: Vehicles equipped with safety features such as airbags or automatic seatbelts are eligible for an Esurance discount of up to 33 percent
  • Anti-Lock Brakes Discount: Esurance customers could save 5 percent for owning a vehicle equipped with anti-lock brakes

What home insurance discounts does Esurance offer?

If you sign up for a homeowners policy with Esurance, you can take advantage of other discounts as well. Not all of these discounts are available or applicable in all states.

  • New Home Discount: Signing up for an Esurance homeowners policy within 12 months of purchase or completion of a home could save you money. The home itself doesn't necessarily have to be new
  • DIY Home Inspection Discount: Using the Esurance downloadable app, you can complete an easy home inspection within 20 days of beginning your policy and automatically save $50
  • Home Safety Features Discount: Homes equipped with safety features such as a burglar alarm, smoke detector or water safety system are eligible for an Esurance discount
  • Claim-Free Discount: Esurance customers who go at least one year without filing a claim are eligible for a discount, and the longer they go without a claim, the larger the discount they’ll receive
  • Storm Shutter Discount: Adding storm shutters to a home qualifies Esurance customers for a discount
  • Hail Resistant Roof Discount: Homes with hail resistant roofs qualify for a discount
  • Smoke-Free Discount: Households without smokers are eligible for an Esurance discount

What coverages does Esurance, Inc. offer?

Esurance Auto Insurance Coverage

Esurance offers the following coverage options for you, your car, and your passengers:

  • Collision coverage
  • Comprehensive coverage
  • Esurance roadside assistance coverage
  • Rental car coverage
  • GAP coverage
  • Medical payments and Personal injury protection (PIP) coverage

Liability coverage from Esurance includes:

  • Bodily injury coverage
  • Property damage coverage
  • Uninsured/underinsured motorist coverage
  • damage

Esurance Homeowner Insurance Coverage

With Esurance homeowner insurance, your home and propterty will be covered for things like

  • Natural disaster
  • Theft
  • Fire
  • Property damage

Specialty Coverage

ATV insurance

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Esurance FAQs

Are Esurance and Allstate the same company?

Esurance and Allstate are not the same company. However, Esurance is a wholly owned subsidiary of Allstate. In other words, Esurance is technically a part of Allstate's network. Esurance offers a wide variety of insurance products with a modern approach by utilizing technology in its processes.

Is Esurance a standard company?

Esurance is an insurance company that is backed and owned by Allstate. It offers many insurance product options including car, homeowners, renters and motorcycle insurance. Esurance has a modern approach to insurance with the use of technology to offer customers the convenience of an online website and mobile app.

Does Esurance check credit?

Esurance may take your credit standing into consideration when determining prices for your insurance premiums.

Most insurance companies do. Your credit score can affect your car insurance rates in all states except California, Hawaii and Massachusetts. It can affect your homeowners insurance rates in all states except California, Maryland and Massachusetts.

If allowed in your state, Esurance uses LexisNexis to inquire about your credit-based insurance score. LexisNexis provides consumer reports and looks at information on your credit history from credit bureaus.

More about Esurance

Esurance's mobile app, available on iOS and Android devices, allows policyholders to view their insurance ID cards, manage their policies, file a claim, track a claim, receive roadside assistance and access a GPS.

Esurance offers Express Lane where customers can visit its website and only have to enter their name, date of birth and address in order to obtain a quote. Esurance will do the rest of the work in looking up previous insurance information.

DriveSense is a program offered by Esurance where customers are rewarded a discount based on their personal driving habits.

Once customers enroll, they can download the DriveSense mobile app and start driving as they normally would. This program is available to Esurance customers in Arizona, Colorado, Connecticut, Georgia, Louisiana, Maryland, Michigan, Minnesota, Missouri, New Jersey, Ohio, Pennsylvania, South Dakota, Texas, Utah, Virginia, and Washington.

You can learn more about the company by reading Esurance, Inc. reviews . Or share your own experience with our community by writing a review of Esurance, Inc.

Pros and Cons - Sourced from customer reviews

  • Easy-to-use website
  • Explains coverage well
  • Transparent pricing
  • Flexible billing options
  • Variety of coverage options
  • Doesn't reward loyal customers

More about Esurance reviews

One of the important things to note up front about Esurance is that although the company is well-known and is owned by Allstate Insurance, it isn't available in all 50 states, so if you are interested in securing a policy for either home or auto insurance, your first step is to verify that it's available in your state, which is easily done at

An analysis performed by Clearsurance of the reviews of Esurance insurance reveals largely positive feedback. Customers like the easy-to-use online services and website, but even more frequently noted are the low rates and good prices.

Getting an Esurance quote is easy, just follow the prompts at the website. Whether you are looking for auto, home, or renters insurance, start at the website.

Esurance auto reviews are plentiful on Clearsurance, and feedback from customers is typically focused on price. There are a number of discounts available for policyholders, such as:

  • Starting your quote online
  • Bundling with other policies, such as renters or homeowners insurance
  • Insuring multiple vehicles with Esurance
  • Paying premiums in full
  • Students under age 25 are eligible for discounts on premiums if they maintain good grades

Drivers can also save money by installing the DriveSense app on their phones. While you are driving, the DriveSense app keeps track of how you're doing, and the program will give you discounts based on your safe driving habits.

Reviewers mention that Esurance claims are typically handled quickly and efficiently. Although there is occasionally some negative feedback, for the most part customers cite a favorable claims experience when it comes to Esurance claims reviews.

As mentioned above, Esurance also offers homeowners insurance and renters insurance. Homeowners insurance covers both the physical structure of your house and your belongings from covered perils such as fire, lightning strikes, theft, and wind damage.

Reviewers again note the ease of use of being able to access their policy online through the website or through Esurance's app to do things like make a payment or add items to a policy. Filing a claim is an easy process too, using the technology tools that Esurance is known for.

A typical Esurance review for homeowners or renters insurance will include phrases like “great prices” and “good value.” Customers also frequently mention saving money by having both auto and homeowners insurance, or auto and renters insurance through Esurance.

Renters insurance policies are also easy to access through, and is affordable coverage. If you're wondering “how is Esurance?” take a few minutes to look through reviews and see what customers say about the coverage, Esurance claims, and more.

What states does Esurance, Inc. do business in?

Esurance, Inc. sells car and motorcycle insurance in 43 states and homeowners and renters insurance in 31 states. See the state Esurance, Inc. sells in below and click the link to see how Esurance, Inc. compares to the other top companies in that state.

Car with dried leaves on it, Esurance, Inc - Protect what matters most with reliable insurance coverage

Esurance, Inc. reviews

Pros and Cons - Sourced from customer reviews

  • Easy-to-use website
  • Explains coverage well
  • Transparent pricing
  • Flexible billing options
  • Variety of coverage options
  • Doesn’t reward loyal customers

Clearsurance featured review


A survey is a review that has been captured via Clearsurance campaigns including paid and non-paid activities.
A survey is a review that has been captured via Clearsurance campaigns including paid and non-paid activities.


Car insurance review

I have had Esurance for over 5 years and I've never had a bad experience. They have great customer service and when I was involved in a car accident, I was amazed on how fast they took care of everything! Their prices are very good as well. I definitely recommend them to my friends and family.

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