Last Updated: 04/18/2025
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Esurance Auto Insurance Review
Esurance is a car insurance carrier based in San Francisco, CA. The insurance company was founded in 1999 and offers car insurance in 43 states in the USA.
If you're considering whether Esurance auto insurance is a good option for you, read on.
Esurance auto insurance Pros & Cons
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Esurance auto insurance FAQ
What types of car insurance coverage options does Esurance auto insurance offer?
Although we often talk about car insurance in the singular, it really includes several types of coverage options.
Does Esurance auto insurance have roadside assistance?
No, Esurance does not have roadside assistace.Does Esurance auto insurance offer ridesharing insurance?
No, Esurance auto insurance does not offer ridesharing coverage as a rider or endorsement.What benefits does Esurance auto insurance offer?
Esurance auto insurance offers the following benefits to its customers:
- 24/7 Phone Availability: Customer service is staffed around the clock.
- Digital Claims Reporting: Never fax or mail a document again.
- Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.
What insurance discounts does Esurance auto insurance offer?
When you ask for an insurance quote with Esurance auto insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.- Alternative Fuel / Hybrid: For some reason, possibly because they drive fewer miles, people who own hybrids or alternative fuel vehicles pose a lower insurance risk. If your car is green, make sure you earn the rewards.
- Anti-Lock Brake System: ABS technology reduces uncontrolled skids and insurance premiums. Most cars have them but it's an insurance discount people often forget to ask for.
- Internal Safety Features: Esurance auto insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
- Telematics Device (Usage-Based Insurance): You can qualify for an insurance discount if you agree to install a sensor that records your driving habits.
Want more insurance discounts? Check the insurance discounts tab for a full list of general policy insurance discounts you can qualify for with Esurance auto insurance.
How does Esurance calculate insurance rates?
Car insurance companies guard their risk-assessment algorithms as a trade secret, and Esurance is no exception. However, you can be confident that Esurance auto insurance will take into consideration your driving record, age, gender, marital status, and address.
Other factors it will take into consideration are your vehicle (make and model), insurance history, and how you use your car.
Does Esurance auto insurance use your credit score?
It is safe to assume that, when legal, a car insurance company will use your credit score as a rating factor. There are two exceptions.
- If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
- There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.
How can I get a Esurance auto insurance insurance quote
- Visit the Esurance website.
- Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
- Check the information is accurate and submit your application.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Message from Esurance auto insurance
Hours of Operation
Sunday
6:00AM - 12:00AM
Monday
6:00AM - 12:00AM
Tuesday
6:00AM - 12:00AM
Wednesday
6:00AM - 12:00AM
Thursday
6:00AM - 12:00AM
Friday
6:00AM - 12:00AM
Saturday
6:00AM - 12:00AM