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Esurance Auto Insurance Ratings

Customer Satisfaction Ratings (based on 100 survey results)
ProductOverall
HOW WE WEIGH OUR SCORE
Claims ProcessingCustomer ServiceValue for PriceWebsite and Apps% Who Would Recommend to a Friend% Who Plan to RenewA.M. Best
Financial
Strength
Ratings
Effective as of:
WHAT IS THIS RATING?

A.M. Best's Financial Strength Rating is an independent opinion of an insurer's financial strength and ability to meet its ongoing insurance policy and contract obligations.

A.M. Best's rating is NOT used to calculate the overall score but it is important information to consider when choosing an insurance company.

Auto
81.78
out of 100
86.36
83.00
77.20
82.42
76%
88%
A+
October 31, 2019
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Reasons for Buying from Esurance

Customers of Esurance originally decided to purchase from the company for these reasons:
Offered best price45%
Saw TV commercial15%
Saw online ad10%
Recommended by friend or family member9%
Reputation8%
The company website and mobile apps are easy to use and helpful6%
Was the company my parents had3%
Financial Strength rating2%
I had other insurance with this company2%

How likely are you to recommend this company to a friend, coworker or family member?

I would definitely recommend this company. 43%
I probably would recommend this company. 33%
Neutral 17%
I probably would not recommend this company. 4%
I would not recommend this company. 3%

Would you renew?

Yes 88%
No 12%

Website and Apps

How easy to use and how helpful they are
44%Satisfied - Fulfills my needs okay.
35%Completely satisfied - Gives me what I want and more.
18%Neutral - No good or bad feelings on this.
1%Never visited or used website or mobile app.
1%Not Satisfied - Is not a good website or app.
1%Very unsatisfied - Their digital offerings are not good at all or nonexistent.

How You Prefer to Deal with Insurers

36%Interactive website
9%Email
33%Phone
6%In person
16%Mobile App
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About Esurance

Types of auto coverage

  • Personal and commercial auto
  • Motorcycle
  • Classic car
  • Scooter
  • All-terrain vehicle
  • RVs
  • Boat
  • Golf cart
  • Segway

Additional policies offered

  • Homeowners
  • Renters
  • Flood
  • Umbrella
  • Life
  • Health
  • Pet
  • Phone
  • Business
  • Canada
  • Mexico

Best Auto Insurance Companies 2020: How Esurance Auto Insurance Stacks Up

Esurance ranked seventeenth overall in 2020 with a score of 81.78. Esurance received mediocre scores in most categories, placing nineteenth for claim service (86.36), seventeenth for value of price (77.2) and customer service (83), and placed eleventh for ease of use of its website and apps (82.42). Seventy-six percent of those surveyed said they would recommend Esurance and 88% said they planned to renew their auto policy with Esurance.

Gauging an insurance company

Before buying with a company it is wise to check on a company's financial strength and complaint record. The A.M. Best rating listed above gives you an idea of Esurance's financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners (NAIC) site. The median complaint ratio from the NAIC is always 1.00. This means half of the insurers have a complaint ratio of under 1.00 and half have a ratio above. Basically, numbers lower than 1.00 are better with fewer complaints than the median and a number higher than 1.00 has more complaints than the median. For auto insurance, Esurance (NAIC# 25712) had a complaint ratio of 1.12 for 2018. 2019 complaint numbers will be available in 2020.

Company Background

The technology age

Esurance launched its online car insurance company in 1999 with a goal of allowing customers to find the policy they needed in only a few minutes online. Supporting its online presence is 24/7 customer service, and with your smartphone, you can manage your account and track car repairs. Esurance is backed by Allstate, the nation’s largest publicly held personal lines insurer.

Esurance mobile allows you to submit photos or video chat to get an appraisal of your costs if you have minor damage to claim. These are a few reasons why it says it offers “Insurance for the Modern World.”

The company aims to be as efficient as possible with time, money and the environment. The company promotes several green initiatives, one of which is being a paperless customer experience. 


Consider Esurance if you prefer to take matters into your own hands

Esurance provides customers the ability to complete quotes and policy purchases online, and uses mobile devices and numerous website resources to provide customers with as much information as possible. If you’re someone who likes reading tips and blogs and using online tools and apps, this could be the right company for you.

Like its parent company, Esurance offers a pay-as-you-drive system called DriveSense (DriveSafe for teens), providing up to a 30 percent discount based on metrics received from a telematics device you insert into your car. 

Contact information

Corporate headquarters
650 Davis Street
San Francisco, CA 94111

Customer service and claims: 1-800-378-7262

Twitter: @EsuranceCares

Coverage Options

Usage-based/Telematics Usage-based/Telematics. Rates can be based on your mileage and how you drive.
Mobile app Mobile app. The insurer offers an app for smartphones.

Discounts

Multi-vehicle Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving Driver training/Defensive driving. Discount for an approved defensive driving or driver improvement class.
Passive -restraint (air bag) Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver Safe driver/clean driving record/good driver. Discount for no accidents or traffic violations, usually for three or five years.
Multi-policy Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement Academic achievement. Discount for full-time students who meet certain academic criteria.
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