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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 $186.20 per month while Sentry comes in at around $260.86 per month. For Esurance, the cheapest state average is California at $125.95 per month and the most expensive is New York at $330.21 per month. For Sentry, the cheapest state average is Oregon at $227.59 per month and the most expensive is Pennsylvania at $275.44 per month.
Average Rate
Average Rate
Average Rate
| State | Esurance | Sentry |
|---|---|---|
| Arizona | $154.25 | - |
| Arkansas | - | $264.82 |
| California | $125.95 | - |
| Illinois | $139.05 | - |
| Maryland | $324.63 | - |
| Michigan | $301.34 | - |
| New Jersey | $243.03 | - |
| New York | $330.21 | - |
| Oregon | - | $227.59 |
| Pennsylvania | $201.05 | $275.44 |
| Texas | $182.69 | - |
| Washington | - | $256.31 |
Esurance vs. Sentry: Rates by Number of Vehicle
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 | $184.16 | $259.24 |
| 2 Vehicles | $239.22 | $ |
Esurance vs. Sentry: Rates by Homeownership
Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Esurance charges $175.49 per month and Sentry charges $232.13 per month for customers who own their home.
| Own/Rent | Esurance | Sentry |
|---|---|---|
| Own | $175.49 | $232.13 |
| Rent | $187.30 | $262.85 |
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.
| Comparison | Esurance | Sentry |
|---|---|---|
| Year Founded | 1999 | 1904 |
| BBB Rating | A- | A+ |
| Financial Strength | Above Average | Excellent |
| NAIC Complaint Ratio | 1.14 | |
| S&P Rating | AA- |
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.
| Insurance | Esurance | Sentry |
|---|---|---|
| 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.
| Esurance | Sentry |
|---|---|
| Anti-lock Brakes Discount | Driving Course Discounts |
| Anti-theft Discount | Homeowners Discount |
| Claim-free Discount | Multi-vehicle Discount |
| Defensive Driver Discount | Payment Frequency Discounts |
| Emergency Road Assistance Discount | Transfer 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 | 4.8 | 1,194 user reviews |
| Android | 4.7 | 8,655 user reviews |
| Sentry Mobile App | ||
|---|---|---|
| iOS | 2.7 | 5 user reviews |
| Android | 3.1 | 8 user reviews |
Esurance & Sentry Contact Info
| Esurance Contact Info | |
|---|---|
| Address | 650 Davis Street, San Francisco, CA 94111 |
| Phone | 1-800--378-7262 |
| Website | https://www.esurance.com/ |
| https://www.facebook.com/Esurance/ | |
| https://twitter.com/esurance | |
| Youtube | https://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw |
| https://www.linkedin.com/company/esurance/ | |
| Sentry Contact Info | |
|---|---|
| Address | 1800 North Point Drive, Stevens Point, WI 54481 |
| Phone | 1 (800) 473-6879 |
| Website | https://www.sentry.com/ |
| https://www.facebook.com/SentryInsurance/ | |
| https://twitter.com/SentryInsurance | |
| Youtube | https://www.youtube.com/channel/UC8e_0-7XichFIuDa-JI54gQ |
| https://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.
Fran Majidi manages content on SmartFinancial's website. She's had nearly a decade's worth of experience writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi.
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