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 in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • Allstate intended Esurance to be a company which, instead of competing with its own insurance products, offered coverage to drivers
  • Drivers can get discounts for policy structure, such as multi-car and homeowner’s discounts
  • Esurance began as a venture designed to capitalize on the surge in internet shopping

Esurance is a private car insurance company based in San Francisco, California providing auto insurance coverage in 30 states primarily through an internet-based format.

The company was founded in 1998 as Sierra Silicon Holdings by a group of local entrepreneurs who wanted to create a wholly internet-based insurance company, and was acquired in 2000 by the White Mountains Insurance Group.

Allstate acquired the company in 2011 through an acquisition agreement which included the purchase of Answer Financial and operates the company as a subsidiary of the Allstate Insurance Group.

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History of Esurance

Esurance began as a venture designed to capitalize on the surge in internet shopping.

Esurance began its advertising campaign through a series of television spots featuring a cartoon format, and later used a reality-based office series of ads.

Esurance prides itself on being more environmentally friendly than many larger insurance companies by eliminating much of the paperwork involved with insurance policies.

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Esurance Car Insurance Coverage

Esurance offers a variety of policy types, including liability, collision, and comprehensive and personal injury protection.

The company website provides an online “Coverage Counselor” to help you determine what type and amount of coverage you need.

The entire website is based on interactive tools which customers can use prior to getting a quote, pay bills, manage their account and file and track claims online.

Esurance also offers customer assistance by telephone and email from licensed representatives for drivers unable to find answers online.

Esurance Customer Service Review

Esurance customers give it fairly low ratings regarding customer service, however.

The technology-based approach does not seem to be satisfactory to a majority of Esurance’s customers and may detract from the company’s overall mission to provide personalized service.

According to the 2011 J. D. Power and Associates customer satisfaction ratings, Esurance scored only two out of five stars, or “below average,” in the categories of customer satisfaction, billing and payment, and contacting the insurer.

Esurance scored three out of five stars, or “average,” in the categories of pricing and policy offerings, giving a bit more credit to the company’s products over their customer service.

On the Customer Satisfaction Index, a 1,000-point scale which rates companies against each other, Esurance scored a total of 763 points – 27 points below the national average, placing it in 24th out of 33 companies polled.

Esurance Car Insurance Discounts

Esurance offers a great variety of car insurance discounts to its customers allowing many to find very affordable car insurance premiums.

Drivers can get discounts for policy structure, such as multi-car and homeowner’s discounts, good driver discounts, discounts for simply switching car insurance companies online, vehicle safety equipment discounts and more.

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How much is car insurance from Esurance?

Esurance rates are competitive in some markets. However, since premium rates are calculated based on age, location, driving record, and gender, it is almost impossible to give a general opinion on the affordability.

In the states in which Esurance does business, comparing the rates of this company to others offering similar coverage is the only sure way to determine premium rates.

You can get a quote online directly from the Esurance website, however, the only way to find the best car insurance rates is to compare Esurance quotes to those of other companies so you can make an informed decision about purchasing insurance.

Many drivers compare at least a handful of car insurance companies before selecting a provider. Enter your zip code below to get FREE car insurance quotes today!