Esurance Insurance Company Review 2025
Written by
Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Reviewed by
Cara Carlone is a licensed P&C agent with 20 years of experience. She has her P&C license in RI and TX and holds CPCU, API, and AINS designations.
Trusted Choice's Esurance Insurance Score
3 Stars
We award Esurance a final rating of three out of five stars. The insurance company has high ratings through AM Best and the Better Business Bureau (BBB). However, there has been a concerning volume of customer complaints filed against the carrier through the BBB in recent years, and Esurance is not currently accredited through the organization. Customer feedback is also largely mixed.
Esurance was founded in 1999, giving the carrier nearly two and a half decades’ worth of experience in the insurance industry today. Its parent company, Allstate, is extremely well known across the nation and has been operational since 1931. Esurance currently offers its coverage in 43 states and has expanded its reach rapidly since its start in the industry.
The insurance company’s option for 24/7 claims reporting through multiple mediums is a huge advantage. But while a mobile app is available, the carrier doesn't seem to have a presence on social media, which is a bit puzzling for the current stage of the insurance industry. Overall, we say to go ahead and look into Esurance with the help of your independent insurance agent. You just may also want to survey some additional options.
Esurance Pros and Cons:
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Esurance Insurance Products by Type
Esurance provides a range of insurance products for individuals. Its coverage offerings include:
Vehicle & Auto Insurance:
Home & Property Insurance:
Esurance Auto Insurance
Esurance offers all the basic car insurance coverage options, including liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection (PIP), and medical payments. The carrier also offers a few additional forms of coverage to enhance your policy.
Coverage types, features, and benefits:
Loan/lease gap
Pays the difference between a vehicle's current actual cash value and the amount still owed on an auto loan or lease.
Emergency roadside assistance
Esurance offers towing and labor coverage in case your car breaks down on the road, you blow a tire, or run out of gas. Coverage can reimburse customers for up to $75 per incident for professional services and assistance.
Rental car
Reimburses the policyholder for the cost of a rental vehicle if their car is undergoing repairs or has just been in a covered accident. Collision and comprehensive coverage are required to add rental car coverage to a policy.
Esurance Auto Insurance Average Prices
Esurance average auto insurance prices are a bit lower than average. The current national average cost of a six-month car insurance policy is $1,093. In comparison, Esurance's average car insurance cost for a six-month policy is $1,031. Here are some average Esurance car insurance premiums by driver age group.
Esurance Auto Insurance Average Prices by Driver Age
| Driver Age | Esurance Monthly Premium |
|---|---|
| Teenagers | $614 |
| 20-29 | $234 |
| 30-39 | $174 |
| 40-49 | $162 |
| 50-59 | $157 |
| 60-69 | $171 |
Methodology
To obtain our average car insurance rates, we used a sample driver who is a 30-year-old male with no traffic violations or accidents on record and a good credit score. The sample policy has bodily injury liability of $50,000 per person and $100,000 per accident, $50,000 in property damage liability, and collision and comprehensive deductibles of $500 each.
What Discounts Does Esurance Offer?
Esurance offers a few discounts on its coverages. Here are the carrier's car insurance discounts:
- Switch and save discount: Offered to customers who switch to Esurance from another car insurance company.
- Safe driver discount: Offered to customers who drive safely.
- Bundling discount: Offered to customers who buy both renters insurance and auto insurance from Esurance.
Your independent insurance agent can help you find even more information on discounts offered by Esurance and other ways to save money through the insurance company, helping you to get both the coverage and the rate that works best for you.
Esurance Customer Service
Esurance allows customers to file claims via phone or through the mobile app any time of the week. The carrier also provides the following customer service options:
- Phone
- Snail mail
- Mobile app
- 24/7 phone claims reporting
- Main customer service phone department has the following hour restrictions:
| Days | Hours (CST) | ||
| Monday-Friday | 7 a.m. - 9 p.m. | ||
| Saturday-Sunday | 7 a.m. - 7 p.m. |
Esurance sells insurance through a wide network of agents, including independent insurance agents. Independent insurance agents can help make customer service even easier for you by handling claims and other concerns.
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Esurance Insurance FAQs
Esurance allows customers to file claims over the phone or through the mobile app at any time. The official website states that customers will be contacted within 24 hours after filing a claim and that most claims are even approved within just one day.
Esurance provides 24/7 claims reporting for customers through the mobile app or over the phone. The carrier's main customer service hotline is available at generous hours every day of the week. The carrier does not appear to have a social media presence.
Esurance allows customers to file claims 24/7 through multiple mediums. However, the carrier’s official website does not outline its claims process, other than detailing how to file. If customers have further questions about filing claims or what to expect after they file, they can call or contact the carrier by other means, or reach out to their independent insurance agent.
Esurance’s official website is intuitive and easy to navigate. However, the insurance company could benefit from providing more information through its website. For example, the outline of the insurance company’s claims process is not listed.
The generous customer service contact hours and 24/7 claims reporting by phone are definitely advantages. However, Esurance does not appear to have a social media presence, which limits its accessibility to customers.
Esurance offers several types of coverage, but is perhaps best known for auto insurance, thanks to its parent company, Allstate. The insurance company provides the following benefits under its auto policies:
- Collision coverage
- Comprehensive coverage
- Emergency roadside assistance coverage
- Rental car coverage
- Loan/lease gap coverage
- Medical payments coverage
- Personal injury protection coverage
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured/underinsured motorist liability coverage
- Uninsured/underinsured motorist property damage coverage
Your independent insurance agent can help you find out even more information about Esurance’s auto insurance, as well as its other available insurance products.
Esurance has received high ratings through both AM Best and the BBB but is not accredited by the BBB. The carrier has also received more than 1,000 customer complaints within the past three years.
Esurance has affordable auto insurance rates compared to the national average and offers a few discounts to reduce costs even more. However, seeing so much negative customer feedback drops the carrier's rating a few points in our book.
Esurance's products may be right for customers looking for home, auto, renters, or motorcycle insurance. Customers must be located in one of the 43 states in which coverage is available. Esurance does not sell coverage in Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, Wyoming, or Washington D.C.
The current national average cost of a six-month car insurance policy is $1,093. In comparison, Esurance's average car insurance cost for a six-month policy is $1,031. This makes the carrier's auto insurance rates slightly cheaper than average.
https://www.esurance.com/insurance/homeowners-insurance/claims
https://www.bbb.org/us/ca/san-francisco/profile/auto-insurance/esurance-inc-1116-17988
https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=466
https://www.thezebra.com/insurance-companies/esurance-reviews-coverage-options-and-ratings/#esurance-pricing