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This review will tell you everything you need to know about Esurance Car Insurance. You’ll learn which states the company serves and where the company fits in terms of financial strength. We also show you how consumers view their experience with the company, as well as information on the many discounts it offers. Finally, we’ll walk you through how Esurance handles its claims process. From there, you’ll have all the tools you need to decide whether Esurance is the right insurance provider for you.

Best If

  • You want low rates, straightforward prices, and strong online tools

Worst If

  • You want excellent roadside assistance

By The Numbers

  • Esurance has over 3,000 agents nationwide
  • 17 offices across the U.S.
  • Offers insurance in 43 states EXCEPT: Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, Wyoming, and Washington D.C.
  • Has insured over 5 million vehicles to date

Consumer Reviews

    • Ranked Esurance the #10 auto insurer for 2016 with a score of 7.13 out of 10
    • Commended the company for its easing claim filing process, practically priced premiums, and array of discounts on auto insurance
    • Criticized its lack of availability in all states and lack of local agents
    • Praised Esurance for its excellent policy coverage and various ways to save on insurance policies
    • Liked its E-Star Direct Program, which is where Esurance finds nearby repair facilities for your vehicle in the event of an accident
    • Criticized the company's limited payment options: you can only pay online; no sending payment by mail or over the phone
  • Better Business Bureau
    • Gave Esurance an A+ rating, despite it not being BBB accredited
    • The company's length of time in business and ability to respond and resolve complaints promptly contributed to its high score

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data

Total Complaints
Percent Change
Source: National Association of Insurance Commissioners

J.D. Power ratings by region (out of 1000)

  • California: 788 — below average
  • Central: N/A
  • Florida: 809 — about average
  • Mid-Atlantic: N/A
  • New England: N/A
  • New York: N/A
  • North Central: 769 — below average
  • Northwest: N/A
  • Southeast: N/A
  • Southwest: N/A
  • Texas: N/A

U.S. Auto Insurance Shopping Study (2016)

Overall Purchase Experience
Policy Offerings
Local Agent
Call Center Representativ
Insurer Website
Among the best

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

Overall Satisfaction
Below average
First Notice of Loss
Below average
Service Interaction
Below average
Below average
Repair Process
Below average
Rental Car Experience
Below average
Below average
Source: J.D. Power

Financial Ratings

A.M. Best
Superior rating; second- highest possible

Market Share

Allstate is the parent company of Esurance, and its market share is 5.13 percent as of 2015. It wrote $30.18 billion in Property and Casualty premiums.

Typical Discounts

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

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.

Roadside Assistance

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

Mobile Apps

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.


Esurance was founded in 1999 in San Francisco, California, just in time for the start of the age of technology. It became of of the first insurance companies to directly sell policies to consumers over the Internet. In 2004, the company became one of the first to sell insurance packages to same-sex couples, and in 2011, it was bought by Allstate Insurance. 

Claims Process

To file a claim with Esurance, click here.

The Esurance claims process emphasizes documenting all the details of the auto accident. Providing the company with as much information as possible will make the claims process that much easier.

After filing your claim, a claims representative will be assigned to you and contact you within 24 hours of your incident. From there, you’ll schedule a vehicle inspection and the representative will then assess the damages and provide an estimate.

The repair and recovery process has many different options with Esurance. You can take your vehicle to any repair shop or allow Esurance to find you a nearby E-star shop. E-star shops are part of Esurance’s nationwide network of repair facilities. Esurance can also help you rent a car if you have rental car coverage included on your insurance policy.

Contact Information

Claims Site
Customer Service Site

Mailing Address:
PO Box 5250

Sioux Falls, SD 57117

Customer Service Number: 1-800-ESURANCE (1-800-378-7262)