Last Updated: 04/18/2025
SuperMoney User Recommendation Score +78
Strongly recommended9 total votes
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Highlights
Community Rating
Strongly recommended
Financial Strength Rating
A+(Verified 04/18/2025)
Number of Reviews
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.
Esurance auto insurance customers can also add the following riders or endorsements to their insurance policies:
- Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
- Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
- Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
- Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
Does Esurance auto insurance have roadside assistance?
Emergency Roadside Service available. Yes, Esurance offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
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 insurance 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +78, or 4.6 on a 5-point rating scale.
+78
-1000+100
No one recommends
Everyone recommends
Esurance Auto Insurance Community Reviews
Would you recommend Esurance Auto Insurance to your friends?
KL
Kendra L.
Jun 4, 2022
May or may not recommend
I’ve had esurance car insurance for many years now and I have been happy with the service I’ve been provided. I started out on a policy with my mom/family and decided to stick with esurance when I switched to my own policy—they offer comparable prices to other insurance companies and I really like their Drivesense program. I really like their app as well! Overall I have appreciated my experience with ...Show More
The E.
Nov 23, 2020
May or may not recommend
Esurance is a great company. They're lovely, and they offer nice services. A friend told me about them because I was nagging about paying too much with my previous company compared to Esurance's. I inquired online and it turned out to my surprise that they're super cheap, and my car insurance coverage is better than the coverage I was getting with my previous insurance company. I recommend this company.
PH
Patrick H.
Oct 22, 2020
May or may not recommend
A good insurance company with a great policy and an easy one to set up.
Esurance helped me with a few kinks due to mortgage closing issues. Also, they have been very easy to deal with. I don't have any claim yet and I don't think there is any is in view.
SD
Samantha D.
Oct 10, 2020
May or may not recommend
We switched to Esurance mostly for price but they have a very streamlined online system which matched their advertising and branding as being technology forward. They seemed to be more apt at flexibility in options for insurance than their parent company Allstate but with no local agent network we’ve yet to see if that changes any legwork requirements.
Ridwan H.
Oct 9, 2020
May or may not recommend
I was lucky to have Esurance Auto Insurance policy for my Car. I had an accident with the car and it was a devastating. I can only opted for a rental car for the time being due to my nature of work. The same Week, it was on Friday, I had another accident, A reckless driver with another institution auto insurance policy collided with me. I don't know how the ...Show More
U
Anonymous
Oct 2, 2020
May or may not recommend
I was a customer of Esurance for two years.
During my time with them, one morning I had awoken to a sizable dent on the side of my car. I had no idea how it got there, and was very upset about "my baby" having been vandalized. At the advice of my friend, I called Esurance to report my finding, in the hopes of them helping me cover some of ...Show More
Web F.
Aug 28, 2020
May or may not recommend
Super cheap insurance company! I was previously with Progressive Insurance. They dropped me because I had a minor car accident. I inquired about a quote online from Esurance. They asked me a series of questions and saved all my answers. Once I submitted my info I received a response immediately that I was approved. I paid with my card online and received all of my documents via email. I never ...Show More
U
Anonymous
Mar 26, 2018
May or may not recommend
This company will change your policy without notice, and then restrict your ability to change it back. I have been with Esurance for over two years now, and they have started to change my plan WITH NO PERMISSION in the middle of a policy - all to make more money! They keep emailing me saying that they have changed my 'garage' address when I have not moved since I started ...Show More
Ricardo V.
Oct 23, 2014
May or may not recommend
We switched our insurance to Esurance a couple years ago because a friend of my wife showed us that we could get more coverage for a lower rate than what we were paying elsewhere. This was perfect timing since we were looking to save a little money wherever we could. It has saved us a lot of money each month, and our car insurance coverage is even better than it ...Show More
Showing 9 of 9 reviews
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