Esurance insurance review 2024

Esurance was one of the first digital insurance providers. Bankrate’s insurance editorial team’s Esurance review determined that the company is ideal for tech-savvy drivers who prefer to pay their premiums, manage their policies and file claims digitally. However, the carrier does not advertise as many discounts as some other companies and is not considered one of the cheapest car insurance companies.

In addition to standard coverage types, when Esurance was writing new policies, it offered optional rental car coverage, emergency roadside assistance coverage, gap insurance and underinsured/uninsured motorist coverage in select states. Based on our review of Esurance’s car insurance product, we assigned the company a Bankrate Score of 2.6 out of 5.0.

Pros and cons of Esurance car insurance

Comparing company pros and cons may help you narrow down your choices for the best car insurance company for your needs. Here are some of the key perks and drawbacks we identified with Esurance auto insurance:

Esurance's website has limited information about its homeowners insurance product. The company provides all standard coverage types, like dwelling, personal property, other structures and liability, with the option to add valuable items coverage. However, the company does not mention any discounts online. Because of its limited discounts, lack of local offices and lack of 24/7 customer support, Esurance earned a 3.3 Bankrate Score, out of a total of 5.0.

Pros and cons of Esurance homeowners insurance

Before you purchase a home insurance policy from Esurance, it can be helpful to consider the pros and cons, especially if you’re looking for the cheapest homeowners insurance. Here's what you need to know about Esurance home insurance:

While Esurance is no longer writing new policies, Allstate and its subsidiaries have insurance options that may work for a wide variety of drivers and homeowners. Here is how Esurance compares to alternative auto and home insurance options available through Allstate.

After careful review by our insurance editorial team, Bankrate has determined that Esurance was a good insurance company for customers looking for basic auto or home policies with minimal endorsements. Esurance's mobile app made it a convenient option for drivers who prefer to manage their policy digitally, but the carrier does have high NAIC Complaint Indexes and few advertised discounts.

What are real-life customers saying about Esurance?

Getting feedback from actual customers can help you determine if Esurance was a good insurance company. We turned to Reddit and Boggleheads to read the discussions and experiences of customers who used the company. Although many of these threads are older since Esurance isn’t writing new policies, the most recent posts can tell you how the company and Allstate are handling Esurance claims.

*The quotes and citations included on this page have been verified by our editorial team and are accurate as of the posting date. Outlinked content may contain views and opinions that do not reflect the views and opinions of Bankrate.

Esurance company details

Be aware that if you want to contact Esurance, you will most likely be redirected to Allstate since Esurance is no longer writing policies. Here’s how you can reach them:

• To contact customer service, call 1-800-378-7262 (then press 2) or call 1-800-378-7262 (then press 3) to file a claim.
• You can still access some basic features on Esurance.com, although you’ll be directed to call an agent to get more information about policies.
• The main mailing address for Esurance is C/O Allstate Insurance Company, P.O. Box 660637, Dallas, TX 75266-0637.

State availability

Esurance has active policies in every state except the following: Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont, Wyoming and Washington, D.C.

Esurance tools and benefits

In addition to auto and home insurance, Esurance offered two other policy types when it was issuing new policies:

• Motorcycle insurance: When the company was actively writing policies, Esurance had coverage options for motorcycles in some states. Allstate currently offers motorcycle, ATV and UTV coverage.
• Renters insurance: An Esurance renters insurance policy covers personal property, liability, medical payments and additional living expenses. Esurance offered renters insurance in 21 states.

Frequently asked questions about Esurance

These are sample rates and should only be used for comparative purposes. 

Additional profiles:

• Coverage A, Dwelling: $150,000, $350,000, $450,000
• Coverage B, Other Structures: $15,000, $35,000, $45,000
• Coverage C, Personal Property: $75,000, $175,000, $225,000
• Coverage D, Loss of Use: $30,000, $70,000, $90,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

These are sample rates and should only be used for comparative purposes. 

Bankrate Scores

Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways an auto and home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.