Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Feb 11, 2021

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Key Takeaways

  • Esurance is an online-only car insurance provider that was founded in 1999
  • Due to the company’s success Esurance now offers renters, homeowners, life, pet, collector car, international, specialty, manufactured home, health, and motorcycle insurance as well as car insurance
  • One of the more unique types of specialty insurance that Esurance offers is pet insurance. The Esurance Petplan policy can be adjusted to fit any one’s budget

The Esurance car insurance review shows that the online-only car insurance provider was founded in 1999 and began in just four states.

After surviving the popping of the dot-com bubble in 2000 Esurance is now a leading car insurance provider in over 30 states.

Due to the company’s success Esurance now offers renters, homeowners, life, pet, collector car, international, specialty, manufactured home, health, and motorcycle insurance as well as car insurance.

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About Esurance

A.M. Best, the leading ratings provider for the financial stability of car insurance companies in the United States, has given Esurance an excellent rating. White Mountains Insurance Group is the direct owner of Esurance and has billions in assets.

Esurance offers car insurance coverage policies for uninsured and under-insured motorist, property damage liability, collision, comprehensive, medical payments, rental car reimbursement, emergency road service, and bodily injury liability.

The fact that Esurance operates exclusively online means that they are able to offer rates and discounts that other car insurance providers cannot.

In addition to personal car insurance, Esurance offers specialty types of insurance. One of the more unique types of specialty insurance that Esurance offers is pet insurance. The Esurance Petplan policy can be adjusted to fit anyone’s budget.

The Petplan policy covers long-term chronic conditions, prescription medications, cancer treatment, hereditary and congenital conditions, as well as alternative treatments like hydrotherapy and acupuncture.

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Why choose Esurance?

Esurance is a reliable company with excellent customer reviews and is rated SUPERIOR (A+) by A.M. Best, providing a solid outlook on the company’s ability to pay claims.

Many people choose Esurance simply for their complete online presence. Within minutes of completing an application, you can print auto insurance ID cards and walk away being insured.

Their complete online account management area lets you do everything from file a claim to pay your premium. Esurance even offers an online comparison feature so you can compare Esurance car insurance to other companies and is open 24 hours a day / 365 days a year.

Esurance poses a very convenient solution, and with almost 1,000,000 people visiting the Esurance website every month, it’s obvious consumers enjoy the company.

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Although the Esurance car insurance company is not for everyone — especially those consumers who prefer to have a local agent, Esurance maintains a strictly online presence.

Additionally, the company does not seem to focus on specialized markets like antique or classic cars except via a partnership program with the Hagerty Car Insurance Company (probably best to contact them directly).

Esurance Car Insurance Discounts

The Esurance company does offer some car insurance discounts; however, from our review, we did not find as many offered by Esurance as similar companies.

For example, Esurance does not have a low mileage driver discount (which can sometimes save over 50 percent).

On the other hand, they have some discounts very unique such as car insurance discounts to California policyholders holding a degree or license in Engineering, Education, or Natural Science.

Some of the common car insurance discounts Esurance offers are:

  • Anti-Theft Devices
  • Good Driver Discount
  • Good Grades Discount
  • Multi-Vehicle Discount
  • Pay in Full Discount
  • Safety Equipment

Biggest Advantages of Esurance

One of the biggest advantages of choosing Esurance is having a company behind you who is easily and always accessible online and through a toll-free number.

The company is open around the clock, every day of the year and has a comprehensive online account management area arguably better than Allstate and many other major car insurance companies.

Esurance provides a wealth of content for you to learn about car insurance which can help you save money every time you go to renew a car insurance policy.

Esurance is a prime example of a company who embraced the internet in its infancy and grew into a multi-million dollar company by simply providing good products with great service based around the convenience wanted by online consumers.

For most consumers, Esurance should always be on your list of companies to compare car insurance quotes from, so start today.

To see how Esurance stacks up to other insurance companies in your area use our free online tool. Compare rates for free with the quote tool below now!