Esurance reviews and ratings
- Customer satisfaction ratings are generally average.
- Close to the median number of customer complaints relative to its size for auto insurance, and far more than the median for home insurance.
- Has tons of online tools that tech-savvy customers may appreciate.
Overview
Esurance is known for its user-friendly website, interactive tools and cutting-edge mobile apps. It’s best for people who like to manage their own policies, have straightforward insurance needs and prefer to get quotes online.
Auto insurance rating
Esurance ranked 19th out of 23 insurers in NerdWallet’s ranking of the best car insurance companies, earning 3.5 stars out of 5 for overall performance. 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.
Consumer complaints
Esurance had close to the median number of complaints to state regulators for auto insurance in 2017 relative to its size, according to the National Association of Insurance Commissioners. It had far more than the median number of complaints for home insurance.
Customer satisfaction
| 2018 J.D. Power Study | Esurance ranks... |
|---|---|
| Insurance Shopping (Auto) | About average |
| Auto Insurance Claims Satisfaction | About average |
Financial strength: A+ (“superior")
Esurance’s financial strength is “superior,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.
Auto insurance rating
Esurance ranked 19th out of 23 insurers in NerdWallet’s ranking of the best car insurance companies, earning 3.5 stars out of 5 for overall performance. 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.
Consumer complaints
Esurance had close to the median number of complaints to state regulators for auto insurance in 2017 relative to its size, according to the National Association of Insurance Commissioners. It had far more than the median number of complaints for home insurance.
Customer satisfaction
| 2018 J.D. Power Study | Esurance ranks... |
|---|---|
| Insurance Shopping (Auto) | About average |
| Auto Insurance Claims Satisfaction | About average |
Financial strength: A+ (“superior")
Esurance’s financial strength is “superior,” according to ratings agency A.M. Best. Financial strength is important because it indicates how well an insurer can pay claims.
Esurance availability
Esurance is available in 43 states.
Esurance auto insurance
DriveSense from Esurance lets drivers in 22 states use an app or device that tracks driving behavior like speed, hard braking and time of day you drive. Good drivers are rewarded with policy discounts.
Pay Per Mile: Available in Oregon only, Pay Per Mile is geared toward those who drive under 10,000 miles per year. The program charges drivers a base rate, plus a per-mile rate for up to 150 miles a day. Additional miles are free. Esurance tracks mileage using a device that plugs into your car’s diagnostic port. If you and your vehicle are eligible, Esurance will show you a Pay Per Mile quote alongside a quote for traditional car insurance.
CoverageMyWay is technology from Esurance that uses the information you provide when requesting a quote to help you find the right coverage. It will help you navigate through all the usual coverage options, plus optional coverage including:
- Emergency roadside assistance: Esurance pays up to $75 for towing, tire changes, lockouts and other services when you’re stranded if you have this coverage. It can be added to auto policies that have comprehensive and collision coverage, and help can be summoned from your Esurance mobile app.
- CarMatch rental coverage pays for the full cost of a rental comparable to your car if it’s stolen or while it’s being repaired after an accident, for up to 45 days or $3,000. This option isn’t available in all states, and you must have comprehensive and collision coverage to qualify.
- Loan/lease coverage: If you financed or leased a vehicle and it’s totaled, insurers typically pay out what the car is worth at the time of the accident, but you may still owe more than that. With this coverage, Esurance will pay up to 25% of your car’s value to help you cover the difference.
- Customized parts and equipment coverage reimburses you if custom parts you added to your car are damaged or stolen, up to $4,000. It can include stereos, navigation systems and spoilers, as well as equipment for disabled passengers or drivers. In some states you must have comprehensive and collision coverage to add this option.
Esurance home insurance
Esurance offers homeowners insurance policies in many states; if you don’t live in one of those, Esurance will help you get home insurance through a partner company. Esurance’s standard policies include two features that many insurers don’t offer:
- Water backup coverage pays when a drain overflows or a sump pump backs up and causes damage. This coverage varies by state, ranging from $5,000 to $25,000.
- Fire department charges: If you call the fire department and later are charged for its services, Esurance pays up to $5,500 toward the fee.
Esurance’s optional home insurance features include:
- Building codes coverage: This comes in handy if your home is damaged and you file a claim but a new law requires more expensive repairs than your policy covers. This coverage helps pay the difference, up to 20% of your dwelling limit.
- Increased building structure coverage is extra protection for extreme damage. With this optional coverage, your policy pays up to an additional 40% of your dwelling limit.
- Identity theft coverage helps pay for costs up to $10,000 to repair your name and credit after identity theft, plus help from an ID theft advisor. Esurance also provides access to an annual credit report and score and monthly credit monitoring. It costs $3 per month for one person, and $4 for a couple.
- Fair rental income reimburses you for lost revenue if a rental space in your home is left uninhabitable after a claim for up to 24 months.
- Home day care: If you run an in-home day care, this covers you in case an accident happens and you’re liable, up to your policy’s liability limit.
- Extended premises: If you run a two-, three- or four-unit building, this optional coverage extends your dwelling limit to the units and covers you if a tenant is injured.
Other insurance through Esurance
Aside from auto, homeowners and renters insurance, Esurance offers insurance for:
- Motorcycles.
- All-terrain vehicles.
- Snowmobiles.
- Scooters.
- Segways.
- Golf carts.
Esurance offers these other types of insurance through its parent company, Allstate, and other affiliates:
| Other types of insurance available through Esurance affiliates | |
|---|---|
| Condo insurance | Commercial auto insurance |
| Umbrella insurance | Insurance for driving in Mexico |
| Business insurance | Travel trailer insurance |
| Flood insurance | Pet insurance |
| RV insurance | Boat/personal watercraft insurance |
| Classic car insurance | Cell phone insurance |
More about Esurance
Website: Esurance’s website has everything you’ll need to buy and maintain a policy, plus user-friendly tools like:
- Coverage Counselor, which can help you determine what kind of coverage you need.
- Fuelcaster, which predicts gas prices so you can time fill-ups when prices are cheaper.
- Express Lane, which allows you to save time getting a car insurance quote by automatically looking up your vehicles when you provide your name, date of birth and address.
Mobile app: You can file and track a claim, view auto insurance ID cards, see policy details and make payments in the Esurance app, or you can also use it to find nearby repair shops, gas stations and restaurants. Special features include:
- Photo claims: Policyholders can submit photos of damage over the app instead of waiting for an appraiser to come in person. The company says some customers receive payment in just one day.
- RepairView allows you to check in on your car while it’s in an Esurance-approved shop during a claim repair. You can view the car’s status, see a daily photo of repairs, contact the shop directly and find out when your car will be ready.
