Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Insurance Expert Chelsey Tucker

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: Jun 28, 2022

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Company Details
President: Jonathan Adkisson
Address: 650 Davies Street
City: San Francisco
State: California
ZIP Code: 94111
Phone Number: 1-800-378-7262
Toll Free: (800) 378-7262
Year Founded: 1999
AM Best Rating: A+

Esurance auto insurance policies are sold almost entirely online. Owned by Allstate, Esurance aims to provide drivers with simple, transparent, and affordable insurance.

However, a 2019 press release from Allstate announced plans to eventually shut down the Esurance brand and reallocate funding back to the parent company.

In this Esurance auto insurance review, learn how to request quotes, look at financial and customer ratings, and more to determine if this is the right company for you.

Read on to learn more about affordable Esurance auto insurance rates and coverage. Secure your best possible price by entering your ZIP code into our free tool above to receive quotes from the top companies near you.

What is Esurance auto insurance?

Esurance is owned by the Allstate auto insurance company and provides online auto insurance coverage for drivers who prefer technology over talking on the phone.

But you can still call the Esurance auto insurance phone number to speak with a team of licensed professionals whenever needed.

While Esurance operates in most parts of the country, it’s currently only available in 43 states.

Plus, in a 2019 press release, Allstate announced plans to close the Esurance brand eventually.

Specifically, the press release claimed the Esurance brand would be phased out by 2020. But as of 2022, new Esurance policies are still being underwritten.

However, the company representatives confirmed in the first quarter 2021 earnings conference call that the phase-out would occur later.

So know that if you decide to switch to this company as a new customer, there’s a very good chance that a significant change may impact your policy.

In the meantime, Esurance typically underwrites traditional auto insurance coverages, including liability, collision, and comprehensive insurance.

In select states, you can also purchase uninsured or underinsured motorist coverage, personal injury protection (PIP) insurance, and medical payments (MedPay) coverage.

As optional policy add-ons, Esurance offers rental car coverage, loan or lease guaranteed asset protection (GAP) insurance, and emergency roadside assistance.

As a mostly-digital insurance company, customers create an Esurance auto insurance login either on the website or through the mobile app.

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In the app or online customer portal, you can make changes to your policy, pay your bills, file and track claims, and access your ID cards.

The app also connects you to roadside assistance services if you add it to your policy.

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How do you request Esurance auto insurance quotes?

The easiest way to request Esurance auto insurance quotes is through the company website. The online quote tool takes only a few minutes to fill out.

However, you may also call the customer service number at 1-800-378-7262 to speak directly with a friendly expert.

But remember, Allstate still supposedly plans to eventually phase out the Esurance brand.

What are the average Esurance auto insurance rates?

Your auto insurance rates depend on a variety of variables, including your driving record, ZIP code, age, and even the type of vehicle you drive.

Esurance auto insurance rates cost about $326 per month on average for full coverage policies or $3,912 annually.

But your quote may look very different, depending on your unique circumstances. So consider comparing your Esurance quote to the average cost of coverage in your state.

The table below compares the average annual auto insurance expenditures in the states where Esurance operates, as reported by the Insurance Information Institute (III).

Average Annual Auto Insurance Expenditures by State
StateAverage Annual Auto Insurance Expenditures
Alabama$904.56
Arizona$1,046.40
Arkansas$898.89
California$1,034.05
Colorado$1,132.81
Connecticut$1,216.55
Florida$1,426.46
Georgia$1,212.04
Idaho$722.06
Illinois$916.49
Indiana$767.72
Iowa$700.71
Kansas$805.15
Kentucky$936.91
Louisiana$1,545.82
Maine$686.25
Maryland$1,211.83
Massachusetts$1,167.16
Michigan$1,469.73
Minnesota$872.65
Mississippi$971.19
Missouri$913.81
Nebraska$796.87
Nevada$1,260.43
New Jersey$1,385.61
New Mexico$915.62
New York$1,425.00
North Carolina$734.06
North Dakota$686.08
Ohio$794.91
Oklahoma$915.49
Oregon$990.21
Pennsylvania$991.23
Rhode Island$1,333.12
South Carolina$1,093.97
South Dakota$721.67
Tennessee$855.78
Texas$1,152.25
Utah$941.14
Virginia$853.78
Washington$1,035.34
West Virginia$938.71
Wisconsin$755.97
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According to the company website, Esurance customers who switched saved an average of $462 on their insurance policies.

However, if you’re in the market for new coverage, you should compare auto insurance quotes from multiple companies to truly secure your best rates.

How do you file Esurance auto insurance claims?

You can file claims with Esurance auto insurance company through your mobile app, on the website, or by calling Esurance directly.

According to the company website, filing through the mobile app is often the quickest and most convenient option.

The mobile app allows you to submit photo claims, which helps speed up the process.

But if you prefer speaking with a representative, the Esurance claims number is 1-800-378-7262. It typically takes a few days up to a week for Esurance to close a claim. Complex claims may take longer.

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Does Esurance offer any auto insurance discounts?

Esurance offers many different auto insurance discounts to customers.

However, availability and the total saving amounts vary by state.

The table below shows all auto insurance discounts offered by Esurance, with potential rate reductions included where available.

Esurance Auto Insurance Discounts
Discount NameRate Reduction Available
Anti-lock brakesYes - 5%
Anti-theftYes - 25%
Claim freeYes - 25%
Continuous coverageYes
Daytime running lightsYes
Defensive driverYes - 10%
Driver's edYes
Driving device/appYes - 25%
Early signingYes - 10%
Fast 5Yes - 5%
Full paymentYes - 10%
Further educationYes - 15%
Good studentYes - 10%
Good/safe driverYes
Green vehicleYes
HomeownerYes
Low mileageYes - 15%
MarriedYes
Membership/groupYes
MilitaryYes - 25%
Multiple policiesYes
Multiple vehiclesYes
Newer vehicleYes
OccupationYes
Online shopperYes - 11%
Paperless/auto billingYes
Passive restraintYes - 33%
RenterYes - 30%
Roadside assistanceYes - 5%
Senior/mature driverYes
Students & alumniYes
Switching providerYes
Vehicle recoveryYes - 25%
VIN etchingYes
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Esurance also unrolled its usage-based insurance discount program, DriveSense. DriveSense relies on technology already installed on your mobile device to track and evaluate your driving habits.

Customers download the DriveSense app separate from the Esurance mobile app to earn rate reductions based on how safely they drive.

The discount changes at each policy renewal based on your driving performance. You also get a rate reduction simply for enrolling.

What are the Esurance ratings and reviews?

It’s important to analyze an insurance company’s financial ratings and customer reviews before purchasing a policy. That way, you can ensure the company is reliable.

Fortunately, Esurance earned an A+ score from A.M. Best, meaning the company can follow through on its financial obligations to policyholders. Plus, this company is backed by Allstate.

However, it is also currently in flux, as the Esurance brand will eventually be phased out in the near future.

Regardless, the Esurance auto insurance reviews from customers don’t always fare as well as the financial evaluations.

The company is not accredited by the Better Business Bureau (BBB) but earned an A- rating. However, real customers scored it as only 1.02 stars out of a possible 5.

Similarly, Esurance earned a complaint index of 2.94, according to the National Association of Insurance Commissioners (NAIC).

The median is set to 1.00, so 2.94 means Esurance received almost three times as many complaints as the median.

Keep these customer experiences in mind while shopping around for your best coverage.

Does Esurance sell other insurance products?

Besides auto insurance policies, Esurance also sells homeowners, renters, and motorcycle insurance.

However, availability for each insurance type varies by state.

The company also offers bundling deals if you purchase multiple lines of coverage from Esurance. You can manage these policies through the same mobile app where you manage your auto policy.

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What is the history of Esurance insurance?

Esurance was founded in 1999 and was one of the first companies to sell online auto insurance directly to drivers over the internet.

Esurance paved the way for the large number of newer online auto insurance companies that exist today.

In 2011, Allstate announced it would purchase Esurance, which was only underwriting policies in 30 states at the time.

In 2019, Allstate published a press release stating it would phase out the Esurance brand by 2020 and reallocate the funding back into the Allstate brand.

However, as of 2022, Esurance is still underwriting new policies. But spokespeople for Allstate reportedly claim the phase-out will still occur.

So, for now, the future of Esurance remains in flux.

Esurance Auto Insurance: The Bottom Line

Esurance paved the way as one of the first online auto insurance companies. It conveniently provides reasonable rates for the consumer who prefers a digital experience.

But, ultimately, the future of Esurance remains unknown as Allstate plans to phase it out in the future.

If you’re shopping around for new coverage, it may be easier to purchase a policy from one of the best insurance companies that currently have more predictable futures.

Hopefully, we’ve help you decide whether or not to buy Esurance auto insurance. While you consider what you’ve read, enter your ZIP code into our free rate tool below for quotes from the top companies in your region.