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Esurance Auto Insurance

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20 User Reviews


Overall Score

Founded in 1999, Esurance is dedicated to making insurance shopping painless. You can quickly view auto insurance quotes online and purchase an Esurance policy.

In addition to a quick, convenient quotes process, Esurance also works to make the claims process quick and efficient. You can manage your claims, make payments, and view your policy through a mobile app. This convenience is a nice perk of choosing Esurance.

Esurance is an Allstate company and also sells motorcycle, homeowners, and renters insurance.

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The Good

  • Insurance for Rideshare Drivers
  • DriveSense® Discount
  • Quick and Convenient Processes
  • Educational Information

Insurance for Rideshare Drivers

Esurance has a car insurance product specifically for rideshare drivers, including Uber and Lyft platforms. This ShareSmart® coverage supplements your personal insurance coverage and covers the gaps between your personal auto insurance and your rideshare coverage.

When you're a rideshare driver, you're using your car for business purposes, which means your personal car insurance won't cover anything. The insurance included from Uber and Lyft don't cover the time before you accept a ride. Esurance's ShareSmart® policy covers these gaps.

You also don't have to worry about paying two deductibles. You'll pay the lowest deductible between your personal and ShareSmart® policies. You may also need to purchase your personal car insurance from Esurance, though it isn't clear from the website.

This coverage plan is only available in California, Illinois, and New Jersey. 

DriveSense® Discount

Esurance's DriveSense® discount offers savings on premiums for safe driving. This discount helps you save money while staying safe on the road. The safer you drive, the less likely you are to be in an accident and file a claim.

Quick and Convenient Processes

Esurance has a quick online quote process and makes claim filing simple. Esurance notes that it takes about six minutes to get an online quote. Quickly viewing quotes makes it easy to understand pricing.

You can also manage your insurance policy through Esurance's mobile app. Through the app, you can pay bills, file claims, and track them.

Esurance's claim process is also quick and efficient. Its website says payments are approved within one day for eligible photo claims. This quick turnaround ensures that you receive claims payments quickly and can move on with necessary repairs.

Educational Information

From Esurance's website, you can learn about the different coverages available with car insurance. Some types of coverage is required by law. You can add other coverage to your policy for additional protection.

Esurance offers the following kinds of coverage:

  • Collision — coverage for when you cause an accident
  • Comprehensive — coverage for events like natural disasters, theft, and vandalism, which cause damage to the insured vehicle
  • Emergency roadside assistance — protection for towing services and other related roadside service fees
  • Rental car — covers a rental car while your car is in the shop for covered repairs
  • Gap coverage — covers the remainder of your car loan or lease
  • Medical payments — coverage for medical expenses incurred during an accident, including funeral expenses
  • Personal injury protection (PIP) — coverage for medical expenses and lost wages for policyholder and passengers
  • Bodily injury (BI) liability — covers medical expenses and lost wages for injured drivers or passengers
  • Property damage (PD) liability — covers the repairs of damage to other vehicles or structures
  • Uninsured motorist bodily injury liability — pays for medical expenses and lost wages of the policy holder, authorized drivers and any passengers when the accident causing individual is uninsured
  • Underinsured motorist bodily injury liability — pays for medical expenses and lost wages of the policy holder, authorized drivers and any passengers when the accident causing individual is uninsured
  • Uninsured/underinsured motorist property damage — pays for medical expenses and lost wages of the policy holder, authorized drivers and any passengers when the accident causing individual is uninsured

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The Bad

  • Limited Availability
  • Must Provide Personal Information to See Quote

Limited Availability

Esurance is only available in 43 states. While its services are widely available across the United States, you may need to choose a different company if you're in an area it doesn't serve.

Must Provide Personal Information to See Quote

You can only see car insurance quotes after you've provided personal information, including your driver's license and car's Vehicle Identification Number (VIN). While it can be frustrating to have to provide that kind of personal information to an online form, it's necessary to get realistic quotes.


The Bottom Line

Overall, Esurance is a great car insurance company to work with, especially if you are a rideshare driver.

Esurance is an Allstate company. Allstate was founded in 1931 and has many years of experience in the insurance industry. Esurance's relationship with a trusted car insurance provider can make you more confident in Esurance's policies even though it has fewer years in business than some of its competitors.

Esurance's processes from quotes to claims are designed to be simple and efficient. You can view quotes in an average of six minutes. Your eligible photo claims are likely to be approved for payment within a day. You can manage your policy and track claims through a mobile app. All of these features make an Esurance auto policy easy to use. You'll benefit from quick responses, too.

Esurance stands out from other car insurance companies for its ShareSmart® policy. This policy provides protection for rideshare drivers that matches their personal policies and ensures that there is no gap between their personal car insurance and the coverage offered by the rideshare company.

We recommend working with Esurance when buying a car insurance policy because of its relationship with Allstate and convenient processes for quotes and claims.

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20 Reviews

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Eric San Diego, CA

I have been using Esurance services for a few years now and have no complaints. Everything form their pricing to customer service has been great. They send me emails regularly and always get back to me in a timely manner if any issues arise.

2 years ago

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Lifeadon ,

I found a lot better rate and canceled a few days after opening and they took a little over 100$ for less than a week being with the company 😭🤦🏽‍♂️🤦🏽‍♂️🤦🏽‍♂️🤦🏽‍♂️ I found a lot better but don’t waste tour money

4 months ago

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Mark Goodfriend

The best customer service I have ever experienced. Continuous follow up by them to get any issues resolved to my satisfaction. No doubt the very best!

3 years ago

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Brenda McLaren

I have not had any issues but I also have not submitted a claim. Adding a person to the policy was very easy and customer service is polite and professional.

3 years ago

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James Conder Eagle Mountain, UT

Wife and I switched over to Esurance a few years ago for our car and motorcycle insurance. They did a great job of sending reminders of payment, had great coverage and were always on the spot with sending us our new up to date insurance cards.

1 year ago

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Juan Beaver, PA

MY favorite thing about Esurance is the online portal and app. They are super easy to use. I can use the change estimator and it will tell me how much my policy will be depending on changes i made to the account.. I did switch eventually after looking for a cheaper company. Overall i would recommend them

1 year ago

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AmyConder22 Eagle Mountain, UT

We went with endurance as we were able to get a better rate over star farm. We didn’t have any issues with them but have since moved over to combine how and cars

1 year ago

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There easy to deal with, you know what your bill will be each month and you can pay your bill by internet

2 years ago

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Hannah Pleasant Grove, UT

We switched because it was cheaper than state farm. We didn't have to go visit someone in an office to talk to them about something.

3 years ago

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Angelina Hamilton Gulfport, MS

Adorable car insurance for anyone. I use this for my work car and couldn’t ask for more! They offer the coverage you need for state requirements. Customer service has always been friendly.

1 year ago

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Justin McMurtrey South Jordan, UT

Esurance is simple to use online auto insurance company. Their rates were usually better than other. It is hard sometimes to get good accurate quotes because you do most of it on your own. Good value.

1 year ago

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Starski Cene Vienna, VA

Had them before I was married, but loved their customer service and price. If we ever switch our current provider, they will be our first choice.

2 years ago

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Amber Smith Matthews, NC

Easy to sign up for but I got a better rate doing it myself online than with the rep I spoke to so if just do that myself

4 years ago

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Tiffany I Gaithersburg, MD

My husband previously had Esurance. Easy and accessible site for managing his policy. Rates were competitive.

1 year ago

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Alex Danielson Riverton, UT

We had Esurance a while back. They were always easy to deal with and overall we have a great experience with them.

1 year ago

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Howard cramer

They provided me with an incredible rate for 2 cars with full coverage

3 years ago

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Jami Lucas Eagle Mountain, UT

We never had issues with the company however the prices kept climbing. I felt like we should have been rewarded for being long time customers.

1 year ago

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most reasonable price for auto/home I could find.

3 years ago

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Taylor Siren Gilbert, AZ

Insurance provides great low monthly rates and amazing customer service.

2 years ago

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Terri Los Angeles, CA

Affordable, ease of use regarding website, blah blah blah

2 years ago

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