Esurance Auto Insurance

Looking for information about Esurance Auto Insurance? We've got you covered.
This review will tell you all you need to know about Esurance. 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 the company. And you'll learn about the many discounts it offers. Finally, we’ll walk you through how Esurance handles its claims process. Then you should have everything you need to get an Esurance car insurance quote.

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

What Does a Policy Cost?

Comparing quotes is the best way to get the lowest rates from top insurers like Esurance Auto Insurance. QuoteWizard is an independent company that helps you find the right policy at the best rate.

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Consumer Reviews

  • TopTenReviews.com
    • 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
  • Reviews.com
    • Praised Esurance for its excellent policy coverage and various ways to save on insurance policies
    • Liked its E-Star Direct Program. Esurance finds nearby repair shops for your car 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

Year
Total Complaints
Percent Change
2016
48
-28%
2015
67
2014
47
+9%
2013
43
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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
Average
Policy Offerings
Average
Pricing
Average
Local Agent
Average
Call Center Representativ
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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
Appraisal
Below average
Repair Process
Below average
Rental Car Experience
Below average
Settlement
Below average
Source: J.D. Power

Financial Ratings

A+
A.M. Best
Superior rating; second- highest possible
--
Moody's
--
--
S&P's
--

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

This 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

This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.

Switch & Save Discount

This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.

Emergency Road Assistance Discount

You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.

Pac-12 Discount

You can get this discount if you attended or are an alum of a Pac-12 school. 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 tracking. It uses your smartphone to give the service provider your exact location. It will also 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

Esurance Mobile

This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, 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.

History

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 rep will be assigned to you and contact you within 24 hours of your incident. From there, you’ll schedule a vehicle inspection and the rep 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 shops. Esurance can also help you rent a car if you have rental car coverage 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)