Esurance Auto Insurance

Get affordable car insurance quotes from top companies like Esurance Auto Insurance

Looking to learn about Esurance? We’ve got you covered. Keep reading to find out about Esurance’s pros and cons, discounts, customer reviews, and how they stack up against other insurers. Plus, we can help you compare car insurance quotes from top carriers like Esurance.

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


    • 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. 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

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 your best rate.

Consumer Satisfaction and Financial Strength Ratings

Consumer Complaint Data
Year Total Complaints Percent Change
2016 48 -28%
2015 67
2014 47 +9%
2013 43 --
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 (2019)
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative --
Insurer Website Among the best
U.S. Auto Insurance Claims Satisfaction Study (2018)
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.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

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

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.

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. Click here to download the app for iPhone or Android.


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

Click here to file a claim with Esurance.

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)