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Esurance Auto Insurance Review: Lower Premiums -- and Lower Customer Service Standards

Review Updated
Christy Bieber
By: Christy Bieber
Christy Bieber
Christy Bieber
Writer

Christy Bieber is a full-time personal finance and legal writer with more than a decade of experience. She has a JD from UCLA as well as a degree in English, Media and Communications with a Certificate in Business Management from the University of Rochester. In addition to writing for The Ascent and The Motley Fool, her work has also been featured regularly on MSN Money, CNBC, and USA Today. She also ghost writes textbooks, serves as a subject matter expert for online course design, and is a former college instructor.

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Our Insurance Expert

Eric McWhinnie
Check IconFact Checked Eric McWhinnie
Eric McWhinnie
Eric McWhinnie

Eric McWhinnie has been writing and editing digital content since 2010. He specializes in personal finance and investing. He also holds a bachelor’s degree in Finance.

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Esurance is a top choice for customers who prioritize low premiums over quality service. This Esurance auto insurance review will help drivers decide if this insurer is right for them.

Logo for Esurance
Esurance
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
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Bottom Line

Esurance premiums are described by customers as affordable, but the insurer has a poor reputation for customer service. It received a significantly higher number of complaints than competitors, according to the National Association of Insurance Commissioners. It also offers fewer options for bundling coverage than many other companies.

Pros

  • Affordable premiums
  • Top-rated mobile app
  • Special rideshare insurance coverage options

Cons

  • High number of customer complaints
  • Limited opportunities to bundle policies
  • Coverage not available in all states

Full Esurance auto insurance review

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Monthly premium costs

Online reviewers generally agree that Esurance is more affordable than many competitors, including Allstate and Progressive.

Discounts

Many auto insurers offer discounted coverage for drivers who meet certain criteria. Unlike some competitors offering the best car insurance, Esurance does not provide a comprehensive published list of discounts. However, some of the discounts the company does indicate they offer include:

  • Anti-theft devices
  • Bundle and save coverage for buying auto insurance along with homeowners, renters, or motorcycle coverage
  • DriveSense, which provides personalized discounts for motorists who have their driving habits monitored
  • Pay-in-full

Coverage

Esurance offers limited coverage options, making few types of policies available.

Policy types

  • Car
  • Motorcycle

Esurance provides coverage for only two types of vehicles: cars and motorcycles. Boat and RV insurance are not available through the company.

Coverage types

Esurance offers the standard types of coverage most insurers provide. It also offers some specialized coverage not all competitors offer, including ShareSmart for rideshare drivers. Here are the types of coverage Esurance provides:

  • Bodily injury
  • Collision
  • Comprehensive
  • Emergency roadside assistance
  • Loan/lease gap coverage
  • Medical payments coverage
  • Personal injury protection (PIP)
  • Property damage liability
  • Rental car
  • Underinsured motorist
  • Uninsured motorist

Customer service and ratings

Esurance receives low marks for customer service. The number of complaints about the company to the National Association of Insurance Commissioners is much higher than average. While the company did receive an A- Better Business Bureau rating, it earned just 1.07 out of a possible 5 stars in more than 100 customer reviews on the BBB site.

Other insurance available

  • Motorcycle
  • Renters
  • Homeowners

Many insurers offer more products than Esurance, including life insurance, boat insurance, and business insurance. With a limited selection of different policy types, Esurance isn't the best option for those who want the most opportunities to save by bundling or who wish to purchase all their coverage from one insurer for convenience.

Alternatives to consider

Award Icon 2024 Award Winner
Logo for State Farm
Best for bundling coverageState Farm
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our State Farm review

Logo for Nationwide
Best for bundling home and auto insuranceNationwide
Rating image, 3.50 out of 5 stars.
3.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Get a Quote

Read our Nationwide review

When looking for an auto insurer who offers better customer service: State Farm has a better customer service reputation, earning top marks in several markets in J.D. Powers' overall customer satisfaction survey. But, keep in mind, premiums may be costlier with State Farm.

When looking for an auto insurer who offers more bundling options: Nationwide offers much more variation in types of policies available, so it may be preferred by those who want just one insurer covering most of their risks. But, remember, Nationwide doesn't offer the same comprehensive rideshare coverage that Esurance provides.

Esurance auto insurance summary

Esurance might be best suited for people who are:

  • Rideshare drivers
  • Drivers who only want to bundle home and auto
  • Drivers willing to accept reduced customer service to get lower premiums

Esurance is a good choice for drivers signing up for auto insurance who need rideshare protections or who want to minimize coverage costs. However, the company's reputation for poor customer service should worry any motorist who might potentially have to make a claim in the future.

Our auto insurance rating methodology

At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.