Esurance vs. Sentry Insurance

Which insurance carrier is right for you? Compare ratings, plans, and quotes from Esurance and Sentry.

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Esurance vs. Sentry: What You Need to Know

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esuranceoffers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace found Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.

Sentry insurance specializes in business insurance and its subsidiary, Dairyland, sells high-risk car insurance, which includes SR-22 and FR-44filings.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Esurance Overview and Sentry Overview.

Esurance vs. Sentry: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Esurance and Sentry. On average, Esurance charges approximately $251.09 per month while Sentry comes in at around $285.55 per month. For Esurance, the cheapest state average is Utah at $124.72 per month and the most expensive is New York at $502.24 per month. For Sentry, the cheapest state average is Idaho at $151.00 per month and the most expensive is Delaware at $497.70 per month.

Esurance

Average Rate

$251.09
Sentry

Average Rate

$285.55
National

Average Rate

$120.11
State Esurance Sentry
Arizona $159.77 -
Arkansas- $246.05
California $143.35 -
Colorado $173.01 -
Delaware- $497.70
Idaho- $151.00
Illinois $137.63 -
Iowa- $160.18
Maryland $356.29 -
Michigan $272.86 -
New Jersey $239.78 -
New York $502.24 -
Oregon- $279.06
Pennsylvania $203.80 $357.90
Texas $194.03 -
Utah $124.72 -
Washington- $236.38
West Virginia- $341.40
Wisconsin- $193.02

Esurance vs. Sentry: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Esurance and Sentry typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Esurance Sentry
1 Vehicle $243.68 $268.81
2 Vehicles $281.05 $342.08
3 Vehicles $428.04 $453.44
4 Vehicles $526.36 $

Esurance vs. Sentry: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Esurance charges $217.35 per month and Sentry charges $266.58 per month for customers who own their home.

Own/Rent Esurance Sentry
Own $217.35 $266.58
Rent $263.98 $294.48

What is Esurance and Sentry Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Esurance and Sentry ranked among the industry ratings.

ComparisonEsuranceSentry
Year Founded19991904
A.M. Best RatingA+A+
BBB RatingA-A+
Financial StrengthAbove AverageExcellent
NAIC Complaint Ratio1.14
S&P RatingAA-

Esurance or Sentry: Insurance Products Offered

What coverage is available through Esurance and Sentry? Both insurance companies offer Auto, Commercial, Home, and Life insurance. Additional products from Esurance insurance also includes Condo, Health, Motorcycle, Pet, Renters, RV, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Esurance and Sentry Insurance page.

InsuranceEsuranceSentry
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
SR22/FR44
Umbrella Insurance

Esurance or Sentry: Ways To Save

Sentry offers a wide range of discounts to its policyholders, including Homeowners, Multi-vehicle, and Payment Frequency discounts. Whereas, Esurance also offers a few discounts that Sentry doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like Sentry and Esurance insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EsuranceSentry
Anti-lock Brakes DiscountDriving Course Discounts
Anti-theft DiscountHomeowners Discount
Claim-free DiscountMulti-vehicle Discount
Defensive Driver DiscountPayment Frequency Discounts
Emergency Road Assistance DiscountTransfer Discount
Fast 5 Discount®Vehicle Safety Feature Discounts
Good Driver Discount
Good Student Discount
Homeowners Discount
Multi-car Discount
Multi-policy Discount
Online Shopper® Discount
Paid-in-full Discount
Renters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Esurance & Sentry

Pros

Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.
Sentry
  • Sentry offers a comprehensive suite of business insurance products.
  • Sentry offers high-risk insurance through Dairyland Insurance.

Cons

Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico
Sentry
  • Sentry does not offer basic car insurance to the average driver, only high-risk drivers through Dairyland and auto insurance for business fleets and cars.

Esurance or Sentry Mobile Apps Options

The Esurance mobile app is available for iOS and Android.

The Sentry Mobile parking app is available for iOS and Android. The app interacts with your parking meter in real-time and lets you buy time on an MPS parking meter. You can also access a map of nearby meters and parking space availability.

Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews
Sentry Mobile App
iOS     2.75 user reviews
Android     3.18 user reviews

Esurance & Sentry Contact Info

Esurance Contact Info
Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Websitehttps://www.esurance.com/
Facebookhttps://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://www.linkedin.com/company/esurance/
Sentry Contact Info
Address1800 North Point Drive, Stevens Point, WI 54481
Phone1 (800) 473-6879
Websitehttps://www.sentry.com/
Facebookhttps://www.facebook.com/SentryInsurance/
Twitterhttps://twitter.com/SentryInsurance
Youtubehttps://www.youtube.com/channel/UC8e_0-7XichFIuDa-JI54gQ
Linkedinhttps://www.linkedin.com/company/sentry/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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