3.2/5 (3069 reviews)
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Overall Rating3.2 out of 5
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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 & Cons


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


  • 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


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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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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Page 1 Reviews 0 - 10
Verified Reviewer
Original review: May 18, 2023

Try to change our build causing a huge problem. They double build my account and kept telling me. I skipped a month of payment when I clearly did not. Customer service canceled. Were absolutely no help. One person told me 1 thing. Another told me another. The supervisor was just as dumb. Just canceled. Never ever will I use this. Cancel.

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Verified Reviewer
Original review: May 11, 2023

In all my years in business, I have never received such poor service. Esurance put the wrong VIN on the insurance claim. Repairs cannot be completed without this being corrected. Left 7 messages for adjuster, Desiree **. She has not returned 1 call. Everyone I speak with states they cannot correct, must go through her. Completely unacceptable. Shockingly, the poorest customer service I ever received.

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    Verified Reviewer
    Original review: April 21, 2023

    My wife and I have had homeowners insurance through Esurance for almost five years. We had a faucet in our kitchen fail and flood not only the kitchen but the basement below. They sent a man from a company that receives a lot of work from their company to look at the damage a week later. He took pictures but failed to look at the faucet or the cabinet where the leak originated. He had to call me almost two weeks later to have me take those pictures and send them to him. The never sent an adjuster. Based only on the pictures and info he collected they denied our claim.

    Their investigation was laughable and their information gathering was only through a man they have in their back pocket. We appealed. They made no attempt to gather any more information and then denied our claim again. They said it was a slow seeping leak that caused the damage which was absolutely not true. We are changing insurance companies and hope to have a better experience with the next one. It won't be hard.

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    Verified Reviewer
    Original review: April 4, 2023

    We have been with Esurance for several years as they are the only affordable, under 1,000 a month, that we have been able to find. We have had 3 no-fault claims and not a single one has been handled appropriately. On the Challenger case we have had at least 5 adjusters assigned and they refuse to address claims in under three weeks and most go over a year and up to 3 years to address. The car has a bent rail in two locations and that was diagnosed by two shops one being their direct shop. According to Dodge that is what is issue with the front end suspension and is actually dangerous to drive not only for us but for other drivers. They are now not communicating with their shop and cancelled their assignment with that shop.

    The other was a collision with a stolen U-Haul that ran my husband off the road and did damage to the body, undercarriage and mechanical/ suspension. They refused to look at the estimate from a shop and actually said "I am not paying for any more repairs" from Larry ** after they paid for an alignment, strut and headlight.

    We struggled with the car until the right wheel, the damaged one from the u-haul, stopped turning at 65 mph and my daughter rolled it into a ditch full of water. They underpaid the car and I have been making payments on the Challenger that the whole front end could fall out from under it when it is not in the shop in pieces waiting for them to contact their direct repair facility. Emails are coming back with statements "you have the wrong email" on threads where I have been discussing the issues. I feel that they are knowingly holding up claims and jeopardizing the lives of their insured and others on the roads with them. If I could afford another company I would go there

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    Verified Reviewer
    Original review: Jan. 28, 2023

    Esurance an Allstate company, has given us the WORST experience. In February of 2022 we bought our truck through a dealer. It was pre-owned. Since then, three weeks after we bought it, it was stolen from our apartment complex. It was found less than 24 hours later by the police after we had filed a police report. It had many damages to it and was not in running condition, so it was sent to an auto shop. The auto shop worked with our insurance to cover damages, and the truck was repaired and given back to us late June or beginning July of 2022.

    Before we had gotten the truck back, we realized our apartment was not in the safest neighborhood, so we worked with a realtor to get a house which we then bought. Exactly one week after we got the truck back, it was stolen again from that same apartment complex just as we were about to move. We filed another police report. The truck was found a couple days later at a casino with the thief inside the casino gambling. We looked over the entire truck with the police officer. The radio Bluetooth system and cameras had been taken out. The armrest was broken. The windshield was broken because we had bought a steering wheel lock since the first time it was stolen. The truck had been sanded down on almost every panel. We found a spray paint gun in the truck, so we realized that the thief planned to repaint the truck.

    We sent the truck to a Ford dealer this time hoping that would expedite the repair process since it took so long the first time. Ford estimated the truck at $16,000 worth of damages $9000 of which was due to labor. Our adjuster requested a second appraisal to be made which estimated $500. We contested this and had a third person sent over who estimated around $6000 worth of damages. This made more sense, and was closer to the same estimation made by Ford. I asked our adjuster if he could find out if we went ahead with repairing the damages with the last estimation, would a paint job still be covered after since Ford apparently does not do paint jobs. Our adjuster said he would send the question and information to upper management so they can give a determination. He felt at that point, our vehicle should just be totaled out because of the amount of damages.

    After what feels like forever, they’ve determined that most of the damages were pre-existing, and or due to wear and tear. A huge part of what needed to be repaired mechanical wise was the head gasket. This didn’t make sense to us because if it was due to wear and tear and there was a head gasket issue wouldn’t it have been brought to our attention during the first time the truck was being repaired after the first theft? They did a visual inspection the first time and a thorough mechanical inspection.

    Let’s go over the inconvenience aspect of this all. I was pregnant last year and delivered our daughter in October 2022 in the midst of all this chaos. As with any newborn, I have had countless doctors appointments. My son is in recreational sports and activities. My husband is military and is required to have his own vehicle so he can report to base on time when told. Since having our daughter, I have not been able to go back to work because my job was further and my husband’s job required him to need a vehicle at all times.

    Our loan for the vehicle is around $300 a month, and we spend almost $300 on our insurance every month. This is almost $600 every month for a vehicle we do not have. We have had to spend money on Uber’s for appointments and to take my son to his soccer practice/games on time. We do not have money to get another vehicle since we spend so much on this vehicle every month. My husband was told that his unit deployment is in March of 2023, and since we found out, we have tried to work with our insurance to expedite this process, and our insurance has become very difficult to get a hold of. I already let them know I did not agree with the final determination of how to proceed with our truck and for somebody to contact me back to go over next steps.

    I spoke to my adjuster a couple of days ago and he said a supervisor, or somebody would be in touch with me and I have not been contacted since then. ←-communication issues such as this runaround has been recurring throughout this process until I call and complain which takes a lot of time and energy. Whenever I think about this situation we are in, it overwhelms me and makes me want to cry because there are so many things that I want to do to try to get this matter resolved and fixed. I feel like I am getting absolutely no help from the insurance side.

    I am completely discouraged by this matter and upset. I feel that we have made all of our payments for this vehicle on time and have proven to be in good faith yet our insurance just leaves us without a proper resolution and tries to cut this situation off in such a cold manner. I cannot believe we have been treated this way. So I am given no choice but to try to contact them via this platform and I really hope they can contact me back quickly to come up with an appropriate resolution. Even though I am disappointed, I still will stand my ground on this matter because I feel we have been wronged.

    2 people found this review helpful
    Verified Reviewer
    Original review: Jan. 19, 2023

    I had the pleasure of speaking with Alexis from Esurance, and just wow. Her customer service was incredible and she really understood my situation. It was the Best experience I have ever had.


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    Verified Reviewer
    Original review: Dec. 2, 2022

    I filed a claim with Esurance 4 months ago after one of their insured hit my vehicle. Since then, I’ve been struggling to reach my claims adjuster, Alicia **, her manger Chasity **, and her supervisor George **. There is only one more step left in the process of me getting my documentation sent to the auto repair shop so that they can repair my vehicle. Today, I spent an hour on the phone trying to reach someone, ANYONE who could help me with this process. No luck! This is by far the WORST experience I’ve ever had with an insurance company! I’m insured by GEICO, and they’re a dream compared to ESURANCE.

    8 people found this review helpful
    Verified Reviewer
    Original review: Nov. 23, 2022

    While vacationing out of state at a rented cabin in Gatlinburg, Tennessee, three black bears destroyed my vehicle while it was parked in the lot outside the cabin. After calling and making the claim, the car was towed, and I rented transportation back to my home in Atlanta at my own expense. After two weeks, I had not so much as received a phone call about the vehicle, and Esurance didn’t even send an appraiser to assess the car for a full month. Eventually, they declared the car a total loss and assigned the case to their total loss department under their agent, Herson **.

    It has now been 67 days since my car was totaled, and I still haven’t gotten a fair settlement offer from the total loss department. After more than two months of waiting, I was offered $5000 for a car that was in perfect condition, and would cost $15,000 to replace. Mr. ** assured me that he wasn’t trying to get me bottom value for my car, and then offered $7400. Why offer the original $5000 if you know the car was worth more?

    I am asking for a $9000 settlement for this vehicle. After rejecting their offer of $7400, Mr. ** asked me to research car listings in my area for cars of the same year, make, and model. After sending him close to 30 links for local vendors, each with costs ranging from $9000-$15,000, I still have heard no response from him or anyone in his department. Communication has been absolutely atrocious. I call and email between 10-20 times every day, and receive no response, or a response indicating that he is “working on my case” and will “call me right back”. The calls never come.

    Why am I being asked to do research on public domain sights to justify a cost for a vehicle that is clearly within the price range I am asking for? All the while I am fighting this battle, I am without reliable transportation for myself or my family, and the company has declined to offer me travel expenses during this period. I submit that Esurance and its appraisal company CCC has intentionally delayed the process beyond a reasonable timeframe in an attempt to wear down my patience so I will accept a deal I know to be undervalued. The data is there.

    I have been an Esurance customer for over ten years and have paid upwards of $10,000 in monthly premiums, never filing a claim. Now, that I am in a situation beyond my control and need the security of a reliable insurance agency, I am being ignored, underbid, and in no way being made a priority. If there is any doubt of the validity of this story, hop on any forum where reviews of Esurance are being posted. You will find page after page of frustrated, disenfranchised, and desperate people trying to rebuild their lives, and their stories of the negligence and lack of care from this company.

    9 people found this review helpful
    Verified Reviewer
    Original review: Nov. 2, 2022

    Be aware if you agree to the 6 months charge ONE TIME they will charge your account 30 days prior to your policy renewal date. For example my renewal date is 12/01/2022. They already took $3000 out of my Bank of America Account. And don't bother to call them you have to dispute the charges; they will NOT refund your money!!!!

    3 people found this review helpful
    Verified Reviewer
    Original review: Nov. 1, 2022

    Angel was very helpful. I needed another copy of my policy and she both emailed and mailed it to me. She also answered a number of my questions. She was very pleasant and helpful. I am pleased so far.

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