Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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: Aug 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. It’s technically a subsidiary of Allstate, but many consumers recognize it on its own merits.

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. 

Consumers who are interested in Esurance can go directly to their website and use their quote calculator. If you’re interested in an auto policy, you would put in your zip code and answer a few questions. If you want multiple policies, you may need to go through different quoting processes. It depends on which insurance products you’re shopping for. An auto insurance policy is often a starting point.

Enter your zip in the free quote tool above to compare car insurance rates today!

Who Can Buy Esurance Products?

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.

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.

While Esurance came from humble beginnings serving just 4 states, they now serve all 50 states and the District of Columbia. If you find a rate you like with their online quote calculator, Esurance now assigns you a licensed agent to answer your questions and help you through the process.

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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. The likelihood is they’ll be around for awhile. With excellent customer service available around the clock, it’s easy to like their product.

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. Whenever you need proof of insurance or if you want to manage your billing or claims, you can easily do everything online or on your phone.

Their complete online account management area lets you do everything from filing a claim to paying your premium without calling an agent. 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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Does Esurance Offer Specialty Car Insurance Products?

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). Their products are designed for the average driver with a car that can be repaired with standard parts.

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

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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!