Esurance vs. Allstate: What’s the Difference?

Allstate owns Esurance, but the two insurers use very different business models. Find out which is best for you. 

Lacie GloverJanuary 23, 2020

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Allstate owns Esurance, but the two insurance companies take very different approaches to business. In particular, Allstate emphasizes customer relationships with dedicated agents, while Esurance caters to those who prefer a low-touch, online experience.

Here’s a detailed look at what differentiates them.

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Allstate vs. Esurance: Average car insurance rates

NerdWallet analyzes car insurance prices every year from the largest companies in each state to help consumers shop for a policy. Both Esurance and Allstate are among the largest companies in several states, so we can give some insights about their prices.

Esurance and Allstate don’t charge drastically different rates — the rates we found for good drivers with good credit from each company in 2019 were just about $10 per month apart, on average. Here are the annual average rates for full coverage and three driver profiles, plus minimum coverage rates for the good driver with good credit.

Driver profile

Allstate

Esurance

Annual difference

Good drivers with good credit

$1,964

$2,088

$124

Drivers with a recent at-fault accident

$3,006

$3,440

$434

Drivers with poor credit and a clean driving history

$3,368

$3,937

$569

Minimum required coverage

$872

$1,197

$325

These prices are averaged across only the states where we found rates for each company and may not reflect prices in your state. Esurance tends to be cheaper than Allstate in certain states, including Arizona and California, and is cheaper for people in Colorado with poor credit on average, in our analysis.

How to buy:

  • Allstate offers a full range of policies and products in all 50 states through a network of agents. You can get Allstate insurance quotes online, although you will be assigned a local agent if you want to buy a policy.

  • Esurance provides a plethora of online tools to help you buy insurance yourself. It doesn't have agents to meet in person. The company sells only online and by telephone.

Esurance vs. Allstate: NerdWallet ratings

Both companies earned 3.5 stars in NerdWallet’s ratings of the Best Car Insurance Companies, but Allstate ranked 13th, while Esurance ranked 17th out of 24 insurers.

NerdWallet’s rating is a score based on:

  • J.D. Power ratings for customer service, claims satisfaction and shopping satisfaction.

  • Consumer Reports customer satisfaction ratings.

  • Consumer complaints against the insurer, based on data from the National Association of Insurance Commissioners.

Allstate vs. Esurance: customer satisfaction

When it comes to customer satisfaction, Esurance does better when customers are shopping, while Allstate tends to have happier customers after an insurance claim, according to J.D. Power.

In the 2019 J.D. Power U.S. Insurance Shopping Study:

  • Esurance tied for fourth place out of 19 ranked companies, earning it a rating of “Better than most.”

  • Allstate earned a rating of “about average,” with the 15th best score.

The 2019 claims study from J.D. Power wasn’t out at the time of publication. In its 2018 Auto Claims Satisfaction Study, both companies were “about average.” Allstate was the tenth-best insurer out of 22 in the study, edging out Esurance, which was 16th.

Allstate vs. Esurance: insurance options

Allstate

Esurance

Car insurance

Yes, in all states

Yes, in 43 states

Usage-based car insurance

Yes

Yes, in 37 states

Rideshare insurance

Yes

No

Insurance for other vehicles (motorcycles, RVs, boats)

Yes

Yes (offered through partners in some states)

Homeowners insurance

Yes, in all states

Yes (offered through partners in some states)

Renters insurance

Yes, in all states

Yes (offered through partners in some states)

Umbrella liability

Yes

Yes (offered only through partners)

Flood insurance

Yes (through the National Flood Insurance Program)

Yes (through the National Flood Insurance Program)

Life insurance

Yes

Yes (offered only through partners)

Business insurance

Yes

Yes (offered through Allstate)

Other financial services (investments, identity theft coverage, college savings plans, etc.)

Yes

No

Allstate vs. Esurance: usage-based car insurance

Both offer “usage-based” car insurance — DriveWise from Allstate and DriveSense from Esurance.  These programs involve an app tracking your driving behavior, including mileage, time of day, sudden acceleration and hard braking. Each company’s program handles the information differently:

  • Allstate’s DriveWise rewards safe driving behavior with a mix of cash back and Allstate Rewards, which include discounts on clothing brands, restaurants and electronics.

  • Esurance rewards safe driving with policy discounts, including an initial discount for signing up for DriveSense.

Each company also has a pay-per-mile offering, which charges a base rate and per-mile fee. Esurance offers its pay-per-mile insurance only in Oregon, while Allstate offers it in 12 states and the District of Columbia.

Allstate vs. Esurance: customer service, online tools

Allstate

Esurance

Local agents

Yes

No

Photo/video claims

Yes

Yes

Online repair tracking

Yes

Yes

Esurance’s online tools, which are among the most comprehensive, include:

  • Coverage Counselor, which tailors coverage recommendations for you.

  • Photo claims, which allow you to submit photos to have damage appraised.

  • RepairView, which allows you to track repairs, including getting a daily photo of your car.

  • Fuelcaster, a gas price forecasting tool to help you plan for gas price changes.

Methodology

NerdWallet averaged rates for 40-year-old men and women with no incidents on record for all ZIP codes in each state and Washington, D.C., from the largest insurers, up to 15 in each state. Sample drivers had these coverage limits:

  • $100,000 bodily injury liability coverage per person.

  • $300,000 bodily injury liability coverage per crash.

  • $50,000 property damage liability coverage per crash.

  • $100,000 uninsured motorist bodily injury coverage per person.

  • $300,000 uninsured motorist bodily injury coverage per crash.

  • Collision coverage with $1,000 deductible.

  • Comprehensive coverage with $1,000 deductible.

In states where required, minimum additional coverages were added.

“Good drivers” had no moving violations on record and an insurance credit score considered “good” by each insurer; a “good driving” discount was included for this profile. We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash costing $10,000 in property damage.

  • For drivers with a ticket, we added a single speeding violation for driving 16 mph over the speed limit.

  • For drivers with a DUI, we added a single drunken driving violation.

We used a 2016 Toyota Camry LE for all single drivers and assumed 12,000 annual miles driven.

Couples in our analyses were 50-year-old men and women with good credit and clean driving histories, averaged across all ZIP codes with the same policy outlined above. To see rates for families with a teen, we added an 18-year-old licensed two years ago, averaging rates for male and female teens. For couples and families we added a 2016 Nissan Rogue S to create a two-car household.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

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