Esurance Car Insurance Review (2022)

Susan Kelly

Nov 24, 2023

Esurance is a well-known insurance company founded in 1999 and offers auto insurance, home insurance, and renters insurance. They are known for their great quotes and customer service. They are currently offering auto insurance in 43 states and coverage for homeowners in 31 states worldwide.

For over a decade, the company has provided quality car insurance policies to drivers across the United States, Canada, and Mexico. Esurance is known for its low premiums, online presence, and customer service.

Esurance Key Features

Below are the key features of Esurance:


Esurance offers competitive rates, with most drivers seeing a decrease in their premium when they switch to Esurance. The company also offers several discounts, including multi-policy and good driver discounts.


Esurance offers a wide range of coverage options, including collision, comprehensive, liability, and uninsured/underinsured motorist coverage. The company also offers many add-ons, such as rental car coverage and pet injury coverage.

Customer Service

Esurance has a reputation for providing excellent customer service. The company has an A+ rating from the Better Business Bureau and received the 2020 J.D. Power award for "highest customer satisfaction with auto insurance claims."

Esurance Auto Insurance Review: Pros and cons (2022)


One of the things that we like about Esurance is its online quoting system. It is easy to use and provides you with an instant quote. This is a big plus, as it allows you to quickly compare rates from different insurers.

Another thing that we appreciate about Esurance is its customer service. We have had to call them on several occasions, and each time they were friendly and helpful. They clearly care about their customers and want to ensure that they are satisfied with their policies.

Summary of pros:

  • Low premiums
  • Online presence
  • A lot of discounts and coverage options are available
  • Quality customer service
  • Good customer satisfaction ratings for auto insurance shopping
  • Their website and digital tools are easy to use (user friendly)


The company does have a few drawbacks that drivers should be aware of before signing up for a policy.

For example, the company has been criticized for its lack of local agents. Additionally, some drivers have complained about Esurance's rigid underwriting guidelines and its failure to offer certain discounts.

When considering Esurance, one thing to keep in mind is that its rates may not be the cheapest out there. However, the company offers several discounts to help you save money, including a discount for signing up online. And, since Esurance is backed by Allstate, you can rest assured knowing that you are in good hands.

Another downside is that Esurance doesn't have as many physical locations as its competitors. As a result, if you need to file a claim, you may have to do so over the phone or online.

Here is a summary of the cons of choosing Esurance as your provider:

  • Lack of local agents
  • Rigid underwriting guidelines
  • Failure to offer certain discounts.
  • They have less customer satisfaction ratings for auto insurance loans
  • They get a lot of home and car insurance complaints

How to get started?

To get started, simply visit the Esurance website and enter your information. You will then be able to compare quotes from several different carriers. Esurance can save you money on your car insurance policy, so be sure to get a quote today. You can also call 1-800-378-7262.

Mobile app

With the Esurance app, you can easily file and track a claim. You will also be able to see your auto insurance ID cards from within this application and policy details that are important for understanding what type of coverage is offered by each company specifically tailored towards their individual needs!

RepairView - The RepairView feature allows customers who have had damages done on their vehicles while still under warranty or property damage liability coverage immediately after noticing anything amiss.

Photo Claims – This feature allows policyholders to submit photos instead of waiting for appraisers to come to visit them at their home or place of business (which may take longer if they're not available).


If you are looking for a car insurance company that is both affordable and reliable, Esurance may be the perfect choice for you. This company offers a wide range of coverage options, making it easy to find a policy that fits your needs. Esurance also has a reputation for providing excellent customer service, which is sure to come in handy if you ever need to file a claim.

If you are looking for a hassle-free car insurance experience, Esurance is a great choice. So be sure to get a quote today and see how much you could save!

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