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Esurance Insurance review 2022

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As one of the first insurance providers to offer car insurance online, Esurance still maintains a robust digital presence. The company stands out for providing a top-rated mobile app that allows customers to file claims online by capturing and submitting 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.

You might be able to get a cheap property insurance policy with Esurance, whether you rent or own your home. You may also be able to purchase affordable auto insurance as well as coverage for your motorcycle. To help you decide whether Esurance is right for you, Bankrate’s insurance editorial team analyzed the company’s pros and cons.

Esurance car insurance

Esurance car insurance features plenty of options to customize a car insurance policy to meet your needs. With tools like the DriveSense mobile app, which tracks your driving and might reward you for safe, smart choices, and E-star to help you easily find a repair shop, Esurance could be a great choice for tech-savvy drivers.

Types of coverage

In addition to basic bodily injury and property damage liability coverage, with Esurance, you can choose car insurance coverage options such as:


Esurance does not advertise many discounts on its website. However, the carrier does note that you can save by bundling your auto insurance with renters or homeowners insurance coverage. You might also save by participating in the DriveSense program, which uses a mobile app to track your driving habits and could reward you with a discount for safe driving.

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Esurance home insurance

Car insurance isn’t the only coverage option from Esurance. You can also purchase coverage for your home. The standard home insurance policy from Esurance covers your home and other structures on your property from perils like fire, windstorm, falling objects and vandalism. It also safeguards you against theft and covers your liability.

Types of coverage

Esurance does not advertise home insurance coverage options on its website. However, it’s likely that the company offers standard coverage options, including:

Additional coverage options may be available but could depend on the state you live in. Talking with an Esurance representative or requesting a quote might be the best way to see what endorsements you can purchase.


Esurance does not list any home insurance discounts on its website. However, you might save for bundling your home and auto insurance together.

Esurance renters insurance

Renters can purchase coverage from Esurance and can generate a quote online in just a few clicks. According to Esurance, renters might get coverage for as little as $14 per month, on average.

Types of coverage

Renters insurance from Esurance covers what you’d expect: your personal property, your liability, medical payments and temporary living expenses if you get relocated by a covered cause. Renters insurance is currently only offered in these states:

  • Alabama
  • Arkansas
  • Georgia
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Louisiana
  • Missouri
  • Nebraska
  • New Jersey
  • Ohio
  • Oklahoma
  • Oregon
  • South Dakota
  • Tennessee
  • Utah
  • Virginia
  • West Virginia
  • Wisconsin


To score the most affordable Esurance renters policy possible, you could consider bundling your policy with your auto coverage. You may also want to talk to an agent after receiving your Esurance quote online. While Esurance does not list specific renters insurance discounts on the website, an agent might be able to help you find any discounts for which you qualify to keep your cost of coverage low.

Esurance ratings, reviews, customer satisfaction and complaints

Esurance and its backer, Allstate, receive relatively high ratings across the board.

Esurance received a financial strength rating of A+ from AM Best, which rates insurance companies according to their ability to pay out claims.

In terms of customer satisfaction for home insurance, J.D. Power ranked Allstate sixth out of 23 providers. Customer satisfaction was determined by analyzing the company’s performance across five categories: coverage options, price, billing process, claims experience and customer interaction.

Allstate scored the third place position in J.D. Power’s customer satisfaction analysis for renters insurance, although the actual rating falls below the industry average. And when it comes to auto claims satisfaction, Esurance scored just below the industry average, according to the J.D. Power 2020 U.S. Auto Claims Satisfaction Study.

J.D. Power also analyzed the insurance-buying experience across providers in their 2021 Insurance Shopping Study. Here, Allstate ranked third, coming in one point behind the segment average.

Reasons Esurance is a good option

If you’re looking for both home and car insurance and prefer to handle your coverage digitally, Esurance could be a great fit. The streamlined Esurance quote and application processes make it easy to get insurance online or over the phone quickly.

These digital tools are a prime example of how Esurance is tailored for the digital age. The company’s mobile app is another. The app does more than give you easy access to your ID cards. You can also make changes like updating your address or even adding a new car. You can make payments and file and track claims. The app also allows drivers to capture and submit photos to support their claim after a car accident.

All told, Esurance aims to please tech-savvy customers. However, it may not be the best choice for those who prefer a more traditional insurance experience. Additionally, Esurance is not currently licensed to offer insurance to residents of Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont or Wyoming.

Additional policies offered by Esurance

In addition to auto, home and renters insurance coverage, Esurance also sells policies for motorcycles.

Frequently asked questions

How do I file an Esurance claim?

You can file your claims online, through the Esurance mobile app or by calling 1-800-378-7262. Minor auto claims could be settled in as little as one day through photo claims. Simply upload a few photos of your car’s damage through the Esurance app and wait for the company to review your loss. For home claims, making a list of everything that was damaged and submitting it online along with any medical reports, if applicable, could be helpful.

Is Esurance the best insurance company?

The best car insurance provider and the best home insurance carrier will vary for everyone. If you prefer to conduct business online, Esurance may be a great option, but if you want the option to speak to an agent 24/7, you may want to seek quotes from other providers.

Is the Esurance app easy to use?

Esurance’s app receives high user scores of 4.8 out of 5.0 stars on the App Store, and a score of 4.5 out of 5.0 on Google Play. The app is equipped with useful features including an option that allows you to snap and submit photos to support claims after a covered accident.

Written by
Garrett Yarbrough
Credit Card Reviews Writer
Bankrate expert Garrett Yarbrough strives to make navigating credit cards and credit building smooth sailing for his readers. After regularly featuring his credit card, credit monitoring and identity theft analysis on, he joined the and teams as a staff writer to develop product reviews and comprehensive credit card guides focused on cash back, credit scores and card offers.
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Insurance Writer & Editor