Reviews Report
- Esurance offers telemetrics-based discount programs to safe drivers and a highly rated mobile app.
- However, Esurance scores average in customer satisfaction and complaints.
Esurance is a subsidiary of Allstate and specializes in providing affordable and bundled insurance premiums online. Although the company is fairly new and was founded in 1999, it is a leading insurance company that provides products and coverage in 43 states. Esurance is known for its user-friendly website and easy-to-use mobile app on which customers can make payments, file claims, and manage their insurance policy. While Esurance is not the largest auto insurance company in the United States, it scores high on Reviews.com based on coverage, discounts, accessibility, and more.
Esurance Car Insurance Overview
Esurance is known for its easy-to-use website and mobile app. Customers can manage their insurance policy completely from a digital device. Esurance is also known for its affordable insurance options and bundling options. Recognized by third-party agencies like the Better Business Bureau, and NAIC. In terms of complaints, the NAIC scored Esurance 2.92, indicating that it has received more complaints than other insurance providers.
PROS
CONS
Esurance Car Insurance Highlights
Esurance’s Car Insurance Bundling Discounts for Cheaper Insurance
Drivers can bundle auto insurance with renters insurance and bundle multiple vehicle policies to save more on their insurance premiums. Renters coverage starts at $14 per month on average with Esurance. When bundling auto insurance and renters insurance, policyholders can apply the Renters Plus discount for instant savings. Esurance policyholders who live in any of the 21 states in which Esurance offers renters insurance can log in to their account and add renters coverage to their policy.
Esurance Car Insurance vs. The Competition
| Provider | AM Best | J.D. Power Customer Satisfaction* | No. of Discounts |
|---|---|---|---|
| Esurance | A+ | N/A | 18 |
| Geico | A++ | 833 | 16 |
| Progressive | A+ | 830 | 13 |
| USAA | A++ | 884 | 8 |
Information accurate as of June 2021
*J.D. Power’s 202 Auto Insurance Satisfaction Study average rating across all regions. Based on a 1,000-point scale.
Esurance vs. Geico
Despite Esurance being newer than Geico, Esurance and Geico are both strong auto insurance companies. However, while Geico is both digital and in-person, Esurance only offers online car insurance services. Additionally, when it comes to bundling discounts, Geico provides multi-car, home and car, and car and life bundling discounts, while Esurance only provides multi-car and renters bundling.
Esurance vs. Progressive
Esurance and Progressive both offer a variety of coverage and discount options. However, Progressive offers three more coverage options including accident-free deductible savings, custom parts and equipment replacement value, and rideshare options in more states. When it comes to discounts, Esurance provides more bundling options such as renters and auto bundling and multi-vehicle bundling options.
Esurance vs. USAA
The primary difference between USAA and Esurance is that USAA serves a specific demographic. Only those who have served in the military or who are related to someone who has served in the military can become a member of USAA. USAA, also scores high on customer satisfaction ratings with scores above 890 by J.D. Power across the studied regions.
Esurance FAQ
Methodology
We evaluated Esurance based on discounts, coverage, online resources, financial strength, and customer satisfaction to create our best car insurance reviews. To compare car insurance companies with other providers across the board, we analyzed the following:
- Discounts: Auto insurance companies that advertised more discounts received higher scores in our methodology.
- Financial Stability: Reviews.com utilized AM Best ratings to assign a score based on each car insurance company’s financial stability.
- Customer Satisfaction: J.D. Power ranks car insurance companies by customer satisfaction, so we used its 2021 Auto Insurance Satisfaction Study to compare the average rating of insurers across all regions.
- Coverage: Car insurance companies were awarded higher scores for advertised coverages beyond the body liability, property liability, collision, and personal injury protection.
- Online Resources: We reviewed the digital resources of each car insurance company and awarded higher scores to insurers with mobile claim estimates, digital insurance cards, and more.
About the Authors
Grace Kim has two years of experience in writing for finance and insurance domains at Bankrate and Reviews.com. She also writes about investment banking, portfolio management, quantitative trading, insurance, and artificial intelligence at Accern. She holds an M.Sc from New York University in Corporate Communications and has spent most of her professional experience writing about finance and tech topics.
