Esurance: Overview

Esurance is a subsidy of Allstate and has been providing insurance since 1999.

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About Esurance

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, Esurance offers 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 founded 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.

In 2011, Allstate not only bought Esurance but also the insurance comparison site, Answer Financial for nearly $1 billion. At that time, Esurance was selling policies in 30 states. With Esurance as a wholly-owned subsidiary, the company became the sixth-largest auto insurance provider.

Esurance began advertising on television five years after it was launched. The focus of the ads was 18 to 24-year-olds and had a modest budget of $60,000. The character, Erin Esurance, was a pink-haired spy, who increased brand awareness. However, she had become unpopular with viewers. The character of Erin Esurance was retired by 2010 because pornographic images of Erin were created and most internet searches had pornographic results. Esurance’s 2010 advertising campaign was set in a fictional Esurance office but featured actual Esurance employees, this time with a broader demographic in mind. The following year, it announced the tag line, “Insurance for the Modern World,” with a focus on consumers age 25-49.

In 2015 Esurance created a Super Bowl XLIX commercial, featuring Bryan Cranston parodying Walter White from Breaking Bad. In 2015, Esurance and Major League Baseball announced a sponsorship. As of August 2018, the company’s ad campaign features Dennis Quaid as a likable spokesperson. Esurance’s new slogan about its insurance services is “surprisingly painless.”

Esurance Facts & Ratings

Year Founded1999
Financial StrengthAbove Average
BBB RatingA-
A.M. BestA+
S&P RatingAA-
NAIC Complaint Ratio1.14

Esurance Mobile App Rating

iOS     4.81,194 user reviews
Android     4.78,655 user reviews

The Esurance mobile app is available for iOS and Android.

Pros & Cons of Esurance 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.
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico

Common Questions about Esurance

How to get proof of insurance with Esurance?

You can get proof of insurance by logging into your account or by using the Esurance mobile app. Or call 1-800-ESURANCE to have it mailed to you. Electronic proof of insurance is accepted in many states.

What is Esurance DriveSense®?

DriveSense is easy to use and it is free. You also get an instant discount just for signing up. Basically, DriveSense logs your driving, showing you patterns and behaviors (good and bad). It gives you tips and recaps, all to encourage safer driving habits.

How to use Esurance DriveSense®:

Basically you download the DriveSense® app and let it log your driving trips (you log at least 50 for each term). You get a discount just for enrolling and then based on each set of 50 logged trips you get a customized discount based on how safely you drive on average.

What coverage do Esurance renters insurance offer?

Esurance renters insurance offers protection for personal property (your things), personal liability (if someone is hurt in your home), medical payments (if a guest or visitor is injured on the property you rent), property damage (if you break or damage someone else’s property) follows you wherever you go. If you need to live outside your home due to a covered event, like a fire, you are covered under the additional living expenses coverage.

What states does Esurance Cover?

Alabama, Arizona, Arkansas, California, Colorado, Connecticut, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin.

How to handle when Esurance car insurance lapse?

If you let your car insurance payments lapse, you may lose coverage. If you lose coverage, it’ll cost you to reinstate it. Other insurers will also be hesitant to offer you a low rate for coverage. The reason behind this is that this is considered high-risk behavior, to let your insurance lapse. It indicates that you may be driving without insurance.

Does Esurance have SR-22 or FR-44?

Yes, Esurance offers SR-22 and FR-44 filing, both of which are used to prove financial responsibility. Your state’s licensing authority will let you know if you need one. If you’ve had a DUI or DWI or driving with a revoked license you may need one. Other reasons include reckless driving, traffic infractions, being at fault in an accident without insurance and more. The FR-44 is only used in Florida and Virginia.

What are Esurance’s home insurance ratings?

Esurance home insurance was rated in the top 10 by Consumers Advocate.

Is Esurance pay by the mile car insurance?

Esurance Pay Per Mile™

Who is in Esurance commercial?

Esurance created a Super Bowl XLIX commercial in 2015, featuring Bryan Cranston parodying Walter White from Breaking Bad. In 2015, Esurance and Major League Baseball announced a sponsorship. As of August 2018, the company’s ad campaign features Dennis Quaid as a likable spokesperson. Esurance’s new slogan about its insurance services is “surprisingly painless.”

Is it easy to get an Esurance quote online?

It’s easy to get free insurance quotes that may include Esurance. All you have to do is visit here and enter a zip code.

What is not covered in Esurance homeowners insurance?

Flood insurance and earthquake insurance are not included in a homeowners insurance policy with Esurance and other homeowners insurance carriers. These are always separate policies. Some water damage (caused burst pipes) is covered in a home insurance policy, but flooding due to natural disasters is a separate issue entirely.

What do I need to get an Esurance car insurance quote?

To get multiple free insurance quotes, all you need to do is to visit here and enter your zip code and answer a few questions. You can also call 1-800-ESURANCE.

Does Esurance have health insurance?

Esurance partners with several health insurance carriers to find a health plan that works for your lifestyle and budget.

Esurance Insurance Products

Car InsuranceMotorcycle Insurance
Renters InsuranceCondo Insurance
Life InsuranceCommercial auto Insurance
Health InsuranceMexican auto Insurance
Umbrella InsuranceBusiness Insurance
Pet InsuranceClassic vehicle Insurance
Flood InsuranceATV Insurance
Boat/PWC InsuranceRV Insurance
Flood InsuranceTravel trailer Insurance
Boat/PWC InsuranceRV Insurance
Snowmobile InsuranceScooter Insurance
Boat/PWC InsuranceRV Insurance
Golf cart InsuranceSegwayInsurance

Esurance Auto Insurance Coverage

Bodily Injury Liability

This form of coverage is required in every state. It covers bodily injuries to a third party in an accident that was deemed your fault.

Property Damage Liability

This form of coverage is required in every state. It covers property damage and loss of use to a third party.

Uninsured/Underinsured Motorist

This form of coverage covers damages when the other party is at fault but is either uninsured or underinsured.

Comprehensive Coverage

This coverage pays for damages and loss other than that caused by a collision. It is subject to a deductible.

Collision Coverage

his coverage pays for damages and loss caused by impact with another automobile, object or person. It is subject to a deductible.

Emergency Roadside Assistance Coverage

Emergency roadside assistance is also called towing and labor coverage. It can be a great help if your car breaks down and you need towing or a tire change. Emergency roadside assistance covers up to $75 per incident.

Rental Car Coverage

Medical coverages can pay for medical expenses for you and your passengers after a covered accident.

Medical Payments Coverage

This type of protection will cover you if you’ve been injured in an accident, regardless of who’s at fault. Coverages include income continuation, loss of services, funeral expenses and child-care expenses.

Personal Injury Protection (PIP) Coverage

PIP is sometimes called no-fault coverage. PIP covers medical expenses regardless of who’s at fault for an accident. In some states, PIP kicks in before your health insurance to cover accident-related injuries. Limits vary per area.

Uninsured Motor Vehicle

This coverage pays for medical expenses if you’re injured in an accident caused by someone who doesn’t have liability insurance.

Underinsured Motor Vehicle.

This coverage pays for medical expenses if you’re injured in an accident caused by someone whose liability limits are lower than what’s needed.

Uninsured/underinsured motorist property damage (UIMPD)

UIMPD is designed to protect your car if someone without insurance hits your car. These coverages could help cover repairs, a deductible, rental car costs, and other out-of-pocket expenses.

Discounts

Fast 5 Discount®Paid-in-full Discount
Switch & Save® DiscountClaim-free Discount
Homeowners DiscountDefensive Driver Discount
Good Student DiscountMulti-car Discount
Multi-policy DiscountRenters Plus® Discount
Emergency Road Assistance DiscountOnline Shopper® Discount
Good Driver DiscountSafety Device Discount
Anti-theft DiscountAnti-lock Brakes Discount

Esurance Auto Insurance Rates by State

Below is a list of the average rates that drivers typically pay with Esurance. On average, Esurance charges approximately $251.21 per month. The cheapest state average is at $129.62 per month followed by Utah at $130.80 per month. The most expensive state average is New York at $468.01 per month.

State Avg monthly rate
AZ $161.70
CA $136.17
CO $169.00
IL $138.61
MD $308.68
MI $283.32
State Avg monthly rate
NJ $223.64
NY $468.01
PA $180.91
TX $186.33
UT $130.80

Esurance Auto Insurance Rates by Vehicle

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

Number of Vehicles Avg Monthly Rate
1 Vehicle $241.83
2 Vehicles $295.00
3 Vehicles $385.86
6 Vehicles $471.83
7 Vehicles $477.50
4 Vehicles $494.01
5 Vehicles $646.06

Esurance Auto Insurance Rates by Homeownership

Customers who own their home rather than rent can sometimes get a small discount. We found that on average Esurance charges $219.55 per month for drivers who own their home and $263.35 per month for those who rent.

Own/Rent Avg Monthly Rate
Own $219.55
Rent $263.35

Esurance Contact Info

Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Website https://www.esurance.com/
Facebook https://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://www.linkedin.com/company/esurance/

MethodologyThe 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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