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Esurance Auto Insurance

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20 User Reviews


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LAST UPDATED: July 9th, 2021

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 auto insurance policy through the Esurance 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 auto insurance 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 auto insurance rate 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 coverage options:

  • 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

  • Minimal Customer Reviews
  • Limited Availability
  • Must Provide Personal Information to See Quote

Minimal Customer Reviews

Best Company has received few Esurance car insurance reviews, so conclusions on the customer experience are limited. However, a majority of reviews received are positive. Satisfied reviewers mention good communication, competitive rates, and Esurance's convenient online platform.

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 a car insurance quote 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 a realistic insurance premium quote.


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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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

9 months ago

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