Esurance Reviews

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About Esurance

Esurance is an online insurance provider that’s part of the Allstate family. It offers auto, motorcycle, homeowners and renters insurance, and it was one of the first businesses to sell insurance online. Esurance gives free online quotes and has an easy-to-use mobile app, and its Coverage Counselor helps find the right coverage for your needs and budget. It also offers discounts for policy bundles.

Pros
  • Easy-to-use website
  • Coverage calculator
  • Bundle discounts
Cons
  • Few customization options
  • Fairly high prices

Featured Reviews

Milford, OH
Verified purchase
It was very easy to call and set up a policy. The person helping me was very polite and helpful… I also like that I can download an app to my phone that has my insurance cards and...

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Daytona Beach, FL
Verified purchase
It was very easy to purchase my policy. I went online, put in all the driver information on the vehicle information, selected the coverage I wanted and purchase my policy and was ...

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What is Esurance?

Esurance is an online insurance company owned by Allstate that's known for offering affordable insurance bundles. It was one of the first companies to sell insurance online, and its easy-to-use website simplifies the online quote process. Esurance offers auto, homeowners, renters and motorcycle insurance, as well as discounts for combined coverage. It's available for auto insurance in 43 states.

How does Esurance work?

To sign up for Esurance, enter your information on its website, then you’ll receive a cost estimate before you sign up. The company offers all the necessary auto coverages, including bodily injury liability, property damage liability, collision, uninsured/underinsured motorist, comprehensive, medical payments and personal injury protection. It also has a few additional options, like roadside assistance and rental car reimbursement.

Esurance has a mobile app that lets you send photos of damages for a claim rather than waiting for an appraiser.

Esurance quotes and rates

Esurance costs vary depending on insurance type, whether or not it's bundled, and the details of your situation and needs. Typically, a 30-year-old can expect to pay $235 a month for auto insurance. Esurance provides several discounts and also offers DriveSense, which monitors your driving habits and can earn you further price cuts.

Esurance FAQ

Are Esurance and Allstate the same company?
Allstate owns Esurance.
Does Esurance check credit?
Yes, Esurance uses a credit-based insurance score to help determine your policy costs.
How much is Esurance's cancellation fee?
Esurance's cancellation fee is either 10% of your remaining premium balance or a flat rate of $30 to $50.
Who is the CEO of Esurance?
Jonothan Adkisson is Esurance's CEO.

Is Esurance good?

Esurance is a solid auto coverage option if you're looking for a straight-to-the-point, affordable insurance policy that you can manage easily online. You can visit its website to see if you qualify for its services.

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Esurance Reviews

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    How do I know I can trust these reviews about Esurance?
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    Page 1 Reviews 0 - 10
    Claims HandlingCoverage

    Reviewed Sept. 11, 2024

    Their insured crashed into me while making a U-turn. They denied my claim because she was making an Amazon delivery at the time of the incident and she had not disclosed business usage to them. As if that was my fault. The claims adjuster, Daniel, was cold, heartless, and even scoffed at me. Thankfully, my damage was minimal, and Amazon's insurance company reimbursed me. I would never do business with Esurance, even if they saved me thousands per year.

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    Claims HandlingCoverage

    Reviewed Aug. 21, 2024

    I’m genuinely surprised to hear about so many negative experiences with Esurance considering the two claims adjusters I’ve been dealing with after my accident have made my life so much easier. I was in a serious rollover accident two weeks ago and we’ve already come to an agreement on the payoff amount which was actually $2,500 more than I was anticipating. They covered my rental for two weeks and were communicative through the whole process. As a caregiver to a parent that is legally blind and cognitively impaired from a car accident, I’ve seen firsthand what auto insurance companies do to car accident victims. We’ve actually sued Farm Bureau before and have won. My experience with esurance was an absolute breeze in comparison. Will be staying with this insurance company for life. Thanks again, Kiah!

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      Customer ServicePrice

      Reviewed Aug. 16, 2024

      Had Esurance as basic auto insurance for years. Got a notice that they would no longer offer insurance in CA but had a partner that would send me a quote. I changed insurers. The next month my bank account was debited for double the original premium by their "partner" who then claimed it was my fault for not responding when they emailed me a quote!

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      Coverage

      Reviewed July 28, 2024

      I purchased insurance through Esurance because it was cheap. Had an auto accident and was told by the adjuster, Ronald **, that they would not pay for medical expenses even after they agreed to pay in court. A shoulder and two spine surgeries later and they are still refusing to pay medical bills for me and my daughter (who was in 4th grade now in college). They told my providers they will never pay! These insurance companies only get away with this because they are allowed to. We have to be insured and pay our money but they don’t have to give us what we pay for. This is legal in the land of the GREEDY!

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      Customer ServiceClaims Handling

      Reviewed July 26, 2024

      An Esurance (Allstate/NGIC) insured motorist ran into our car from behind when we slowed down in an intersection. Police report and statements from both parties confirm it was his fault as he was following too close or not paying attention. After a month of trying to get a response, Esurance denied our claim because if our car hadn't slowed down then he wouldn't have hit us. Unbelievable.

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      Claims Handling

      Reviewed June 27, 2024

      They won't renew my policy anymore since I live in California. Never caused an accident, never filed a claim, never even so much as a ticket. Take your money elsewhere, they obviously don't care about anything other than a profit

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      Customer Service

      Reviewed June 15, 2024

      My Esurance car insurance ends June 2024. I was told they will no longer be in California and that I was auto-enrolled at the end of my policy to Direct Auto (also owned by Allstate). I contacted Direct Auto to cancel that policy as rates were much higher. Instead of canceling they charged my debit card almost $200 without my authorization. I had never sent them back signed paperwork they sent me. Esurance gave them my personal info including bank info without my permission. I have been trying for weeks to get a refund from Direct Auto. I submitted a dispute to my bank? Cancelled card and have called and written letters to no avail. I've learned many others are in the same situation trying to get money back from Direct Auto and having trouble. I'm considering filing a class action lawsuit.

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      Staff

      Reviewed June 14, 2024

      They sent me a non-renewal for an unknown reason. I then decided to cancel the policy and reward a different company with my insurance needs. I was told I would receive a refund for the partial unused premium. I then received a refund that was significantly less and no reason was given. No agent would tell me why but it sure seems like the company just stole my money.

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      Claims HandlingCoverageSales & Marketing

      Reviewed May 29, 2024

      On November 9th 2022 I was unable to get over and hit an open door on a jeep parked on Garabaldi Ave in Lodi NJ damaging both vehicles. Although this is automatically the fault of the parked car in N.J. Esurance refused to pay the claim as the driver was a third party not the primary insured. Huh? Apparently whether the accident was your fault or not. You may not be paid. I read that Esurance does not pay 20 percent of its claims. If this happens to you take them to small claims court. Run don’t walk away from this legal insurance scam.

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      Verified purchase
      Customer ServiceClaims HandlingCoverageStaff

      Reviewed May 19, 2024

      I purchased a new vehicle on December 8, 2022. It was stolen on June 6, 2023. By July 10th or so, Esurance made me a cash offer, but I refused. I just wanted my car back. Finally, the total loss claims adjuster explained that he needed to clear up this claim. I finally had no choice but to agree. But thank God, before any of this happened, my car was recovered, in good shape, by the police!!! All parties involved in my claim were immediately told to stop all total loss paperwork. I told them I was keeping my almost brand new, fully paid off (I was so proud) car. So, they tell me okay, we all agree, they pay nothing.

      I agree to take it as is. I am thrilled to have my vehicle. I never could have imagined what a nightmare my life was about to become. In the first week of December 2023, I went to the Van Nuys DMV to register my car for the very 1st time (as the dealership handled all paperwork at the time of purchase). Oddly enough, I felt the people looking at my paperwork were looking at me as if I was crazy or a criminal. They kept walking away, bringing over a supervisor, calling another supervisor. I was then told to come back the following day. This continues on and on with four different DMV locations, and nobody telling me what is going on here!

      Then they bring in DMV investigations after days and days and hours and hours of waiting and getting no answers. I'm simply trying to pay to register my car. Finally, they sit me down and explain to me that according to the DMV computers, verbatim, 'Your vehicle was deemed non-recoverable' and you have already been paid $19034.00 by the Esurance Total Loss Department. That's the reason you cannot register a car, that's never been recovered, Mrs **.' As this was a total lie, I then called my claims adjuster again, at the DMV in Thousand Oaks, and I have two people who witnessed my total loss claims adjuster say to me, 'Now you are just making this up...' When told 'why did your company tell the DMV my car was non-recoverable and that your company paid me out $19034.00?' He called me a liar.

      I begged the supervisor at the DMV to speak with him and he told me, 'That is not what we do. Hang up.' It has been six months. I have a car that I cannot register. So, I cannot drive it. The car belongs to Esurance, the title is in their name, and the DMV shows I received a payout for a non-recoverable vehicle. They admit there was no payout. But they place blame for all other mistakes on a company called Copart. Which is not my problem.

      I have no clue who Copart is, nor do I pay a monthly premium to Copart to ensure that I am made whole again, in the case of an accident, a theft, a catastrophic event. That is what we all pay for when we buy insurance. I paid for peace of mind. I paid for trust that no matter what happens, Esurance will bring me back to at least where I began. We pay for that peace and entrust our lives and our valuables to our insurance companies. Well, I would be much more whole, if I had no insurance at all. My car would still belong to me. I would've paid the 132.00 to register my car. Life would have gone on. Now, I have a vehicle that I pay to insure, yet it cannot be registered. It is legally owned by Esurance. DMV still shows my car was non-recoverable and that I got that whopping payout of $19034.00.

      Well, Esurance, since you stole my car and refuse to rectify it or even acknowledge my existence: Then send my that money. Yes I was happy when my car was found. But that was prior to your bad faith in illegally transferring the title of my car out of my name and into the name of Esurance. Now The car is worthless, You lied to DMV you own my car NOW, SCOTT **. PAY ME THE MONEY YOU OWE ME. You claim to have paid me $19034.00 yet sent me a letter where you used white out to erase this info. You have not paid me a dime and I have your own Adjuster send me proof of "stop payment" on that Echeck. So Just stop with the lies and PAY ME FOR MY CAR.

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      Esurance Company Information

      Company Name:
      Esurance
      Website:
      www.esurance.com