Esurance Insurance Review 2022 Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. Esurance Insurance review 2022
June Sham is an insurance writer for Bankrate. Before joining the team, she worked for nearly three years as a licensed producer writing auto, property, umbrella and earthquake policies. Mariah Posey is an auto and homeowners insurance writer and editor for Bankrate.com. She aims to make the insurance journey as convenient as possible by keeping the reader at the forefront of her mind in her work. Nov 04, 2022 Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. At a glance
4.2 Bankrate Score Auto 4.2 About Bankrate Score Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services. Backed by major insurer Allstate, Esurance is a fully digital insurance company that could be a good choice for drivers and renters who want to manage their policy online or through a mobile app. Pros and Cons Quick Look Pros Online portal and mobile app make it easy to manage policies, file claims and track claims progress wherever you are Backed by Allstate, a major insurer, with home and auto insurance available in most states Cons Not rated by J.D. Power for customer satisfaction Not ideal for customers who want a local agent for guidance and policy recommendations Avg. annual auto insurance premium for full coverage: $2,146 Avg. annual auto insurance premium for minimum coverage: $991 Compare rates Answer a few questions to see personalized rates from top carriers As one of the first insurance providers to offer car insurance online, still maintains a robust digital presence. After downloading the Esurance mobile app, customers can easily manage their policies and file claims by uploading their photos. Backed by Allstate Insurance Company, Esurance offers car insurance in 43 states and home insurance in 31 states, along with a range of other insurance products. While Esurance might be best known for , there are other insurance products available as well. You might be able to get a with Esurance, whether you rent or own your home, as well as motorcycle insurance. In this Esurance review, Bankrate's insurance editorial team analyzed the company's pros and cons to help you learn more about the company. Esurance car insurance
Esurance car insurance earned a high Bankrate Score of 4.2 out of 5. To determine this Score, Bankrate's insurance experts reviewed Esurance based on a variety of metrics, including its policy options and coverage, financial strength and customer service, accessibility and more. Some areas where Esurance lost points were that it wasn't rated by J.D. Power for customer satisfaction, and while it has an A+ (Superior) AM Best financial strength rating, available nationally are more highly rated. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Shop rates and compare quotes
Get personalized auto insurance quotes by answering a few quick questions Quick facts on average this year by shopping for new car insurance Rates vary by state The average American pays for auto insurance Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Esurance may be ideal for tech-savvy drivers who want to pay their premiums, manage their policy and file claims on their own, but it does come with a caveat. Coverage options with Esurance are limited to standard coverage, like liability, comprehensive and collision, medical payments and uninsured/underinsured liability coverage. Some optional coverage are still available, like rental car coverage, loan/lease gap coverage, roadside assistance and personal injury. Another benefit is , which allows users to track their driving habits and behaviors. Although free for all drivers - even non-policyholders - Esurance customers can benefit from an additional discount just for enrolling and receive further discounts based on continued safe driving. Esurance car insurance cost
An Esurance car insurance policy costs an average of $2,146 per year for full coverage and $991 per year for minimum coverage. This is higher than the national , which is $1,771 per year for full coverage and $545 for minimum coverage. Although these figures are useful for comparison, keep in mind that car insurance rates are highly personalized. Your actual rate may be higher or lower than these two sets of premium costs. Esurance average annual full coverage premium National average annual full coverage premium Clean driving history $2,146 $1,771 $2,415 $2,138 $3,443 $2,521 $7,179 $3,852 Esurance car insurance discounts
Outside of its DriveSense mobile app discount, Esurance only lists a multiple policy discount for drivers who bundle their renters insurance together with their auto insurance. Aside from this, it is unclear if the carrier offers any additional . Esurance car services
Esurance offers , which is a service to help customers find a guaranteed repair facility to fix their vehicle after an accident. Customers are not required to use an E-Star facility and can choose to use their own repair shop, but there are a few benefits. Repairs completed by an E-Star shop are guaranteed by Esurance for as long as you own the car. Additionally, these approved repair shops must conform to environmental and EPA standards, and maintain a high standard of repairs and customer service. Esurance home insurance
Information about Esurance home insurance and its are limited, although it should include all standard coverage. This includes dwelling coverage for the structure of your home, personal property for any belongings, liability and loss of use. You may also be able to purchase higher limits for especially valuable personal property like jewelry, artwork and more. Speaking to an Esurance team member or obtaining a quote is the best way to see if the home insurance policy fits your needs. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare home insurance rates
Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage Leaving so soon Your custom quotes are just minutes away
Return to form Esurance home insurance discounts
Esurance does not list any home insurance discounts on its website. However, you might save for bundling your home and auto insurance together. Esurance home services
Esurance does not advertise if there are any additional services that home insurance policyholders can use. Other Esurance perks worth considering
In addition to auto and home insurance, Esurance offers two additional policy types: Motorcycle insurance: Car insurance does not apply to motorcycles, which is where motorcycle insurance comes in. : An insurance policy for renters covers personal belongings, loss of use and liability coverage. Esurance corporate sustainability
While Esurance does not disclose its corporate sustainability initiatives online, it is an Allstate company. The Allstate Foundation’s four main initiatives are youth empowerment, domestic violence, racial equality and the development of nonprofit leaders. The foundation achieves its goals through donations, partnerships with other organizations and its own curriculums and programs for people to participate in. Not sure if Esurance is right for you Consider these alternatives
Depending on how you like to manage your insurance policies, Esurance may not be the right fit for you. And even if you do prefer the all-digital approach, it can help to consider other and options to ensure it completely meets your needs. Some alternatives to Esurance include: : As Esurance's parent company, Allstate could be an ideal solution for customers who still want access to digital tools, but also more coverage options and local agent support. : Hippo uses artificial intelligence to offer a modern approach to car insurance for its customers and offers a few more discounts than Esurance. : Although currently only available in two states, Lemonade provides a digital approach to its newly offered auto insurance policy, allowing it provide lower rates on average to policyholders. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Auto
$100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our sample drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts. Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident. Bankrate Scores
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers and homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support. To determine how well the best car and home insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers and homeowners, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry, as well as 40-year-old male and female homeowners with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers and homeowners may compare each provider. While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores. Compare rates and save on auto insurance today! Get quotes Close X On This Page
Compare rates Close X