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Esurance

Esurance

 3.8/5 (753 ratings)
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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.

Overall Satisfaction Rating

  • 5 stars
  • 4 stars
  • 3 stars
  • 2 stars
  • 1 stars

Pros

  • Easy-to-use website
  • Coverage calculator
  • Bundle discounts

Cons

  • Few customization options
  • Fairly high prices

Bottom Line

Esurance is an insurance provider ideal for tech-savvy drivers who want to bundle their coverages. It offers basic, transparent policies without many customization options.

Top Esurance Reviews

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Rated with 5 stars
Verified

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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Rated with 5 stars
Verified

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.

Esurance Reviews

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How do I know I can trust these reviews about Esurance?
  • 3,524,584 reviews on ConsumerAffairs are verified.
  • We require contact information to ensure our reviewers are real.
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  • Our moderators read all reviews to verify quality and helpfulness.

For more information about reviews on ConsumerAffairs.com please visit our FAQ.

Page 1 Reviews 0 - 10
Rated with 1 star
Verified Reviewer
Original review: Dec. 28, 2021

We have been Esurance customers for around 6 years. Last year, we moved from a $200k house to a $400k house. In the midwest, most insurance claims are for roofs and wind/hail claims. When starting our new policy esurance valued our new (to us, not new construction) house at $900k (purchase price was $390k) so that our deductible would be $9k for wind/hail and $4k for all other peril. They told us there is not another option.

In KS, we would always have a higher wind/hail deductible and to price themselves out of having to pay any claims, they artificially inflated the value of our house. Adding a liability-only 16 year old driver to our account increased our bill by $1200/semiannually. We contacted State Farm and got MUCH better coverage (no separate wind/hail deductible, comparable premium, and larger loss of use amount). To top it off, esurance charged a CANCELLATION FEE to terminate their crappy coverage! Talk about sleazy. Stay far, far away.

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Rated with 2 stars
Verified Reviewer
Original review: Nov. 29, 2021

I have been with Esurance for 3.5 years paying on time, No accidents and no claims. They still increased my premium exponentially without any reason. They do not care about existing customers at all. Thank god I didn't had any claims. They might have not done anything for me at that time as well.

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    Rated with 2 stars
    Verified Reviewer
    Original review: Nov. 29, 2021

    I never had a problem with Esurance, probably because I never had a claim. But when I found much better coverage for over $25/month less, and went to cancel my policy, they charged me a $50 cancelation fee! (After 2 years of being a customer.)

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    Rated with 1 star
    Verified Reviewer
    Original review: Nov. 16, 2021

    I purchased an auto policy online from ESURANCE. In the coverage options it lists CarMatch Rental Coverage. In the details under the heading “Why do I need it?” It states: “This coverage is particularly helpful for anyone who relies on having a particular size of vehicle (like a pickup truck or a minivan) for their daily routines. So if, say, you have a family of five and two dogs, CarMatch Rental Coverage will make sure you don't end up having to squeeze the whole family into a compact rental car if your everyday vehicle is stolen or in the shop after an accident.” Since I don’t drive a pickup truck or a minivan, I assumed this was not a coverage that I needed.

    After a deer did extensive damage to my car, I was informed that I do not have rental reimbursement and that I would have had to opt for CarMatch Rental Coverage to have that. CarMatch Rental Coverage is NOT an upgrade from standard rental coverage. If you don’t choose this option you will not get a rental vehicle while yours is being repaired.

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    Rated with 1 star
    Verified Reviewer
    Original review: Oct. 14, 2021

    Cancelled insurance policy back in January 2021. High monthly premiums. Switched to another more affordable insurance provider with better services. Meanwhile, Esurance kept deducting monthly payments from my account. Nine months later I receive an email from Esurance stating that I am still an active customer on their account. In shock, I immediately cancelled my policy and expected to get a refund for the past 9 months. Esurance refused to reimburse me due to backlogged information provided by the company. What Esurance did was pure robbery!

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    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 8, 2021

    I was hit by someone who said they were insured with them. I set up an appointment for the repairs. I needed to get a rental for the the time I would not have a car. I called Deon ** and left FIVE messages over two weeks. No response. I eventually got through their maze of options on the phone. You get the feeling it is intentional so that you don’t get a hold of anyone. Ultimately I got ahold of someone who told me that the individual in question had allowed his insurance to lapse during that time so my claim was being denied. I was told I would get an email saying that. That was 24 hours ago. Still no email stating that. If I ever decided to switch my insurance, then I would not go with them. How long does it take to send an email? Is Deon that overworked? If so, then hire some more people.

    5 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Sept. 2, 2021

    A driver with Esurance coverage hit my daughter's car. The other driver was at fault per the police report. Months later they still haven't paid the claim. We called the representative in Phoenix and the phone line was not operating. We called the general number for the Phoenix office and they could not help us. Because they could not connect us to the specific claims representative. It's not a large claim and they are not paying in a timely manner. I should not have to wait like this.

    5 people found this review helpful
    Rated with 1 star
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    Verified Reviewer
    Original review: July 28, 2021

    I have been with the Esurance for approximately 8 years - which means I have paid a lot of money into this company. I have full coverage on my newer vehicle and my daughter has liability on hers because her car is old with a very low value; so full coverage is not needed. My daughter's car was hit in a store parking lot last month by another vehicle. We immediately filed a claim with Esurance. Even with video proof showing that the other driver was 100% responsible for the accident, Esurance will not help us go after the other driver's insurance company. This is because my daughter's vehicle only has liability (we were finally told).

    What is the sense in paying for car insurance at all? Clearly we are only paying for her liability insurance to satisfy our state law of needing to have it. I have been hit two different times in the past (I wasn't at fault either times), when we were still using Progressive (one of those times I only had liability myself) and Progressive got my car fixed immediately and even offered checks as an alternative; I was able to choose. I realize that Esurance is a humongous company where business is business and it's all about money, but I still feel like a fool and let down for paying so much money into this company for them to not have my back.

    The other issue was that I was assigned a claims representative who ended up going on vacation and didn't pass on my claim. Then the second person that had my claim went on vacation and also left my claim with no one to pick it up where she left off. When you try to get a hold of anyone working on your claim, they do not answer the phone and only have an outgoing message, of which you are not able to leave a message on. In more words or less, you can't get a hold of a real person to discuss your claim.

    I had been waiting a very long time and very patient in finding out what kind of help Esurance was going to offer us (as paying customers) only to find out that they will be doing nothing because my daughter doesn't have full coverage. The video proof was very difficult to obtain and I was led to believe (by Esurance) that it would be a great help, also only to find out (much later) that Esurance will not help. In fact, I think that they had me go on that quest to obtain the video just to kill time for them not tending to my claim.

    -I waited for nearly a month, with a car that cannot be used until it's fixed because it's unsafe.
    -I was tossed around by multiple claims representatives.
    -I was unable to get a hold of an actual person (until I had to play detective and go on a mission to find someone to talk to).
    -I was talked into (by the supervisor of the insurance claims department - who in itself was a part-time job trying to track down) to do some footwork such as getting the video and etc (essentially do their job).

    -I was led to believe that everything would work out in our favor because the other driver was 100% at fault.

    Now we have to go to court with our video because somebody has to be held responsible for the damages to my daughter's car. Esurance did not do their job and we paying customers are not getting provided with the service that we believe we are paying for. I'm going back to Progressive. My sincere advice: Reconsider doing business with Esurance.

    I used to always talk so very highly of Esurance when discussing car insurance with family and friends. I have even convinced a couple of people to switch to Esurance in the past, sadly. I haven't had ANY problems with Esurance... until I needed them the most, so I know that they can be very deceiving until then. Other insurance companies, like Progressive, can be a little bit more pricier than Esurance but, from my experience now, it's worth it to pay more because at least you know that in the end, those pricier insurance companies have your back. And that's what we're going to do. Go back to Progressive. *Please note that my daughter and myself have never caused a car accident since we've been with Esurance (ever actually, in our driving history).

    3 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: July 8, 2021

    By far the WORST customer service I have ever had. I tried using their "Insta chat" while I was on hold. I received a response that the claims representative would reach out to me in one business day, when I asked for a supervisor I was told to continue to hold on the current phone call. When a person is on site at a rental location, one business day is not an acceptable response. When requesting a supervisor, being told to continue to wait on hold is also not acceptable. I am not exaggerating when I say I was there nearly 3 hours trying to get a hold of somebody from Esurance in order to rectify an issue that should have been taken care of along with the damage claims.

    The only individual that I was able to actually speak to was a customer service agent from the sales side of the company. Understandably she was unable to actually assist me, but she provided me a number to the ‘rapid’ response team and transferred me to that number. No one ever picked up. I’ve worked in customer service most of my professional career, it takes a great deal for me to be this upset. My interactions with Esurance today is the very definition of lack of professionalism and customer service. Ultimately I had to pay out of pocket and hope that they reimburse me. Note: at the time of this review I have still not been able to get a hold of anyone to speak to regarding this claim.

    4 people found this review helpful
    Rated with 1 star
    Verified Reviewer
    Original review: Feb. 28, 2021

    I was involved in a hit and run on 2-10. I the adjuster with no response. I even emailed and called his supervisor. No luck with that either. This is unacceptable and no good paying customer should be treated this way. I'm not happy at all. I need transportation.

    7 people found this review helpful
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    Esurance Company Information

    Company Name:
    Esurance
    Website:
    www.esurance.com