Compare Allstate Insurance vs. Esurance

x

Which Company Will Save You the Most Money?

Compare Rates From These Top Companies

Compare Rates

Although they are interconnected companies, Allstate and Esurance each has its own place of power in the auto insurance industry. Allstate was founded in 1931, and Esurance was founded in 1999. Allstate actually bought Esurance in 2011, becoming its parent company. Due to this relation, Allstate and Esurance match up quite similarly in terms of financial strength and J.D. Power rankings. Both companies have superior financial strength, with A+ ratings from A.M. Best, and A+ ratings from the Better Business Bureau.

Allstate and Esurance both offer a wide range of auto discounts, but Allstate offers more being the parent company. While both companies have a wide client base, Esurance is at a disadvantage of only operating online. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Allstate Esurance
Best If Allstate
  • You want easy, online tools to access your account
Esurance
  • You want low rates, straightforward prices, and strong online tools
Worst If Allstate
  • You're looking for reasonably priced premiums
Esurance
  • You want excellent roadside assistance

Special Car Insurance Discounts

Allstate Esurance
Allstate Esurance

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

Standard Car Insurance Discounts

Bundling Coverage Discounts Allstate Esurance
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features Allstate Esurance
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History Allstate Esurance
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Allstate Esurance
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances Allstate Esurance
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Allstate Esurance
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Allstate Insurance Esurance
2016 322 48
2015 460 67
2014 569 47
2013 530 43

U.S. Auto Insurance Shopping Study (2016)

Allstate Insurance Esurance
Overall Purchase Experience Below average Average
Policy Offerings Average Average
Pricing Below average Average
Local Agent Average Average
Call Center Representative Below average --
Insurer Website Average Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

Allstate Insurance Esurance
Overall Satisfaction Average Below average
First Notice of Loss Average Below average
Service Interaction Average Below average
Appraisal Above average Below average
Repair Process Below average Below average
Rental Car Experience Above average Below average
Settlement Average Below average

Financial Strength Ratings

Allstate Insurance Esurance
A.M. Best A+ A+
Moody's Aa3 --
S&P's AA- --

Mobile Apps

Allstate Esurance
Allstate

Allstate Mobile has all the information you need on policies and claims. You can download the app here, or text ALLSTATEAPP to 25788.

Drivewise Mobile makes the Allstate Drivewise discount even easier. The app collects information about your good driving habits and then rewards you for practicing safe driving. All you have to do is download the app, login, and start driving. Download the app here.

Digital Locker is another Allstate app that lets you create an inventory of all the items in your home. It then stores the information securely in the cloud. This app lets you keep a visual log of all your valuable items. Digital Locker makes managing personal items and property easy and quick. Download the app here.

GoodRide is a great app from Allstate for motorbike owners. It lets you input details about your bike as well as information about your route, time, and mileage each time you go out for a ride. GoodRide also keeps track of all your repairs and miles. Download GoodRide from Allstate here.

Allstate Motor Club offers 24/7 roadside assistance to its members. They can access any emergency service from their smartphones with just one touch. You have to first join Allstate Motor Club separately, but downloading the app is 100% free! Download the app here.

Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

Roadside Assistance

Allstate Esurance
Allstate

Allstate offers three services that can help give you a hand when you run into trouble on the road. You can access help from your phone using GPS tracking and then follow the assistance on the map as it comes your way.

Allstate has 3 service options for drivers to choose from that offer different levels of service.

Allstate Motor Club - Platinum Elite Member $99/year

  • 24-Hour emergency service covered up to $250 per occurrence
    • Towing
    • Tire change
    • Gas delivery
    • Lockouts
  • Motorcycle & RV Coverage
  • $10,000 Theft/Hit and Run Protection
    • Will pay up to $10,000 to witnesses that provide information leading to the arrest of the thief or assailant
  • $2,000 Arrest Bond Certificate
    • If you’re detained by authorities for a moving violation, Allstate will post $2,000 bail to get you out of jail. Limitations on bail amount in certain states
  • $1,500 Trip Interruption Benefit
    • If your car breaks down away from home Allstate will cover lodging, meals and transportation
  • Free CARFAX Vehicle History Report ( typically cost $40)
  • Travel Savings & Discounts
    • Hotel
    • Car rental
    • Airline
    • Access Savings Mobile app. Lets you search for discounts near you

Good Hands Rescue

Open to everyone to use no policy or membership requirements. Use the app to select and locate service from a network of nationwide providers.

Good Hands Rescue app gives you:

  • GPS location to get service to you quicker
  • Real-time updates to give you an ETA of service arrival
  • Locate the nearest repair center

Roadside Services Included

    Towing
  • Gas delivery
  • Jump-starts
  • Lockouts
  • Tire changes

Towing & Labor Coverage

Can be purchased as additional coverage on your Allstate insurance policy.

Basic services include

  • Towing
  • Lockouts
  • Fuel Delivery
  • Tire Changes
  • Jump-starts
Esurance

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472