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Esurance Auto Insurance Ratings
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Reasons for Buying from Esurance
Customers of Esurance originally decided to purchase from the company for these reasons:
| Offered best price | 45% |
| Saw TV commercial | 15% |
| Saw online ad | 10% |
| Recommended by friend or family member | 9% |
| Reputation | 8% |
| The company website and mobile apps are easy to use and helpful | 6% |
| Was the company my parents had | 3% |
| Financial Strength rating | 2% |
| I had other insurance with this company | 2% |
How likely are you to recommend this company to a friend, coworker or family member?
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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. Rates can be based on your mileage and how you drive.
Mobile app. The insurer offers an app for smartphones.Discounts
Multi-vehicle. Discount for two or more vehicles on the same car insurance policy.
Driver training/Defensive driving. Discount for an approved defensive driving or driver improvement class.
Passive -restraint (air bag). Discount for factory-installed safety devices such as an air bag.
Safe driver/clean driving record/good driver. Discount for no accidents or traffic violations, usually for three or five years.
Multi-policy. Discount for more than one type of policy with the same insurance provider.
Academic achievement. Discount for full-time students who meet certain academic criteria.Feedback of Surveyed Policyholders
Our survey asked policyholders to share experiences or give feedback that they would
like to share with others looking to potentially buy from their current insurance company. Here's what they had to say:
Positive Feedback
Neutral/Negative Feedback
"It's not a bad price"
"Offered me a decent price, it can be cut down a bit"
"Not very happy with the price. I have never even had a ticket but I how much I pay does not reflect my good driving record"
"I haven't had to deal with them much since signing up, so it's been fine."
"You get what you need but could be better"
"To much work"
"Won't provide roadside without full coverage"
"I would like them better if they improve insurance offers and correct possible failures"
"I's been good, I don't like how they pressure you about paying the bill if you are a day late"
"You get what you pay for is a true statement."
"Medium range not satisfied with prices."
"Employees are helpful and understanding"
"Slow process, little bit confusing also."
"It is a leading insurance company."
"My experience about the insurer is it's very good but you need to have patience to figure out the policy. "
"My insurer isn't bad, but it also it's the best. There are a lot of better ones."
"Their prices are low, but expect to have to do everything online and be comfortable with it."
"I had no bad experience"
"Not interactive web page. They need to work on this part."
"Esurance is great for a low premium and also for customer service. I like that I can go and use an app to check my policy make payments and start a claim, but it is not convenient for multiple different policies. It's even difficult to find a location for a personal meeting, thankfully I've never had to go meet anyone in person."
"The customer service personnel does not make the effort to explain answers to question given to them."
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"Good customer service with a bargin insurance is rare but esurance does this!"
-Age 18-36, Ohio"They're amazing. I have had nothing but good experiences with them and they explain things thoroughly and clearly."
-Age 18-36, Ohio"They provide good customer service and little or no wait time."
-Age 18-36, Texas"I haven't had any cause to use my insurance so far (knock on wood), but so far they've been easy to use. I just automatically pay the fee and done with it."
-Age 18-36, Virginia"I believe that if I were to present my fellow peers and family with the company they would be satisfied with the service even if it was minimal coverage and over time (with build up of service) progress to something better package wise or choose a company completely."
-Age 18-36, Washington"I want others to know that the people at this insurance company really care for their customers, and that I'm glad that I signed up with them."
-Age 18-36, Washington"Great price for something that you have to have, but may never use."
-Age 18-36, Arizona"I've had experiences that were pretty good with them so far"
-Age 18-36, Arkansas"Experience with them is nice as they fulfill all my needs"
-Age 18-36, California"Good company, no issues so far"
-Age 18-36, California"They offer a good service and excellent attention"
-Age 18-36, California"This company is reliable at the highest standard. There may be some problems, but everything stands out well."
-Age 18-36, California"They are charging very satisfactory price and giving their customers a good services"
-Age 18-36, California"Todo al respecto"
-Age 18-36, California"Good relation quality price, very easy to control by internet, good coverage"
-Age 18-36, Florida"It makes me feel safe and I can trust the company fully"
-Age 18-36, Florida"They are very good"
-Age 18-36, Florida"They quickly process your claims"
-Age 18-36, Florida"My experience with them was very good. I would recommend them to others."
-Age 18-36, Florida"Good reputation alll around. Trustworthy people."
-Age 18-36, Georgia"Wonderful team of agents, always up to date"
-Age 18-36, Georgia"Affordable plan, suits to my pocket. Good recommendation from all friends."
-Age 18-36, Indiana"Is an insurer concerned about the well-being of customers."
-Age 18-36, Indiana"Reputation of this company is very good"
-Age 18-36, Indiana"Staff offers great service"
-Age 18-36, Indiana"Take time outta their day to help you"
-Age 18-36, Iowa"Saw commercial, nice organization and good service."
-Age 18-36, Kentucky"Everything on the site runs smoothly and never had an issue"
-Age 18-36, Michigan"Found them really caring for me"
-Age 18-36, Michigan"I am getting the best care that I always wanted from my insurer"
-Age 18-36, New Jersey"They are easy to get into and when I call them I talk to a live person fast"
-Age 18-36, New Jersey"I've never had an accident or points on my license, so I haven't had any issues. I guess their prices are good. I compared prices when I first picked them and they were cheaper then all the other ones and Esurance was the cheapest."
-Age 18-36, New Jersey"My insurer cares about my personal and family needs. Besides, they are always there for me when when I need them."
-Age 18-36, New Jersey"I can easily find them for getting any advice"
-Age 18-36, New Mexico"It's easy to get them on the phone. They are responsive to claims and have otherwise impressed me far beyond what the negative reviews online say about them."
-Age 18-36, New York"They're a good company"
-Age 18-36, New York"This insurance company is very reputable."
-Age 18-36, New York"Very easy to do business with and very responsible"
-Age 18-36, New York"A very good company"
-Age 18-36, New York"Best policy no one can provide you better"
-Age 18-36, North Carolina"It's a bit lower than other companies and you can get a insurance card sent to the printer and they are backed by Allstate"
-Age 37-52, California"Company gives good customer services, value packages,expert advice,guarantee the repair work,etc."
-Age 37-52, Georgia"Claims handling is very quick and very good"
-Age 37-52, Illinois"They have a complete and professional approach"
-Age 37-52, Illinois"Easy to use, somewhat affordable."
-Age 37-52, Illinois"Getting best value for my money"
-Age 37-52, Kentucky"Good polices cover what I need and paid an affordable price"
-Age 37-52, Louisiana"Good experience along with the discounts offers"
-Age 37-52, Maryland"They treat me like a real human being and not just a number. They are courteous and helpful and have excellent rates."
-Age 37-52, Maryland"Best price offered"
-Age 37-52, Michigan"Easy to work with, ok price"
-Age 37-52, Michigan"Very professional yet very helpful"
-Age 37-52, Michigan"They deliver quickly and the process was fairly easy"
-Age 37-52, Mississippi"Company has a good financial strength rating"
-Age 37-52, New Jersey"I have had nothing but good dealings"
-Age 37-52, New Jersey"Que satisface mis necesidades y que es muy recomendable"
-Age 37-52, New York"It was easy to get a quote, sign up and it provides what I need"
-Age 37-52, Oregon"They are quick and easy to signup and provided me the lowest price for full coverage"
-Age 37-52, Oregon"Easy to use"
-Age 37-52, Pennsylvania"No hassles, easy to use"
-Age 37-52, Pennsylvania"Resonds quickly to email, pleasant customer service reps and offers a plan I can afford"
-Age 37-52, Rhode Island"Representatives were always available, if and when I have any query or need"
-Age 37-52, South Carolina"They are very nice"
-Age 37-52, South Carolina"I pay much less for my insurance than I had at other companies."
-Age 37-52, Texas"They were quick to process the claim."
-Age 37-52, Utah"Esurance it the best and the lower price on the market right now and the customer care about you and your family when you need them, they will offer you the best services that you never getting anywhere else"
-Age 37-52, Washington"The company provides quality service"
-Age 53+, California"They are quick to handle claims."
-Age 53+, California"They gave me a good rate and have good customer service"
-Age 53+, Florida"They have the best price"
-Age 53+, Florida"Insurance agents are doing fine job"
-Age 53+, Louisiana"Good compatible rates, good customer service and approachable."
-Age 53+, Michigan"Responsive and thorough in resolving auto insurance claim."
-Age 53+, Michigan"Completed my claim process very easily"
-Age 53+, North Carolina"Renewal of the policy is easy and simple"
-Age 53+, North Carolina"Through internet you can do a lott hings regarding the policy"
-Age 53+, North Carolina"Wide variety of coverage, plans are standard and comprehensive."
-Age 53+, North Carolina"Rates are nice and what one can afford"
-Age 53+, South Dakota"Quick and easy website service and great rates."
-Age 53+, Virginia