Esurance Auto Insurance Review: Quotes and Service (2024)

MoneyGeek collected auto insurance quotes from Esurance across 13 states in the U.S. Our analysis determined that auto insurance policies from Esurance are neither cheap nor expensive. The company’s policies cost $1,473 per year on average.

MoneyGeek’s research involved collecting quotes for different types of drivers to give you a better idea of how your selected coverage, age and driving history can impact insurance rates. For example, drivers looking for full coverage policies will receive different quotes than those looking for minimum coverage. Young drivers and those with violations such as speeding will also find they receive different quotes.

We evaluated that Esurance is neither cheap nor expensive for all the above driver types.

Although you can find all the details using MoneyGeek’s analysis, it pays to do your own research as your requirements may be unique. We recommend asking for quotes from at least three providers to get the cheapest car insurance, while also considering other coverages that you may require.

MoneyGeek analyzed insurance policies from Esurance for multiple driver types such as those looking for full coverage and minimum coverage policies, young drivers and drivers with prior violations. We found that Esurance’s policies are neither cheap nor expensive for all these driver types.

Insurance providers typically do not clearly state the methods they use to calculate auto insurance rates. As is the case with many insurance companies, insurance premiums at Esurance become more expensive when drivers choose additional coverage and when they have a poor driving record. However, Esurance’s policies are moderately priced.

Esurance car insurance policies come with the usual coverages such as liability, comprehensive and collision insurance.

Although the company also provides other common coverages such as roadside assistance, rental car reimbursement and gap insurance, it does not offer other standard options like accident forgiveness or new car replacement.

Still, Esurance does offer coverage for custom parts, which is a unique add-on coverage. This coverage protects after-market upgrades to your car, such as a custom grill or an exhaust system. Your standard collision and comprehensive coverage may not pay for fittings that are not factory-installed, whereas this coverage will. Esurance's terms state that this coverage will pay for damages up to $4,000.

On the other hand, the insurer does not offer coverages such as better car replacement and original equipment manufacturer, which, although rare, are offered by some of the leading vendors.

Aside from auto insurance, Esurance has several other insurance products. Individuals who plan on getting various insurance types can save by bundling policies. However, it is still a good idea to compare car insurance quotes from multiple insurance providers.

Financial strength is an important factor people should consider when comparing car insurance. It determines whether a company can pay claims. AM Best gave Esurance an “A+” rating in this aspect. That means that the insurer has a solid financial standing, which is necessary to meet ongoing insurance obligations.