Auto Insurance from Esurance

Esurance provides customers with these standard car insurance coverage types.

  • Liability. Liability insurance covers injuries to other people if you’re at fault in an accident. It also pays your legal costs if you’re sued because of an accident. Liability car insurance pays for damage you cause to others in an accident, too, such as if you hit another car.
  • Collision. This coverage helps pay to repair or replace your own car if it’s damaged in an accident, no matter who caused it. Collision car insurance also pays for your vehicle damage if you hit an object, such as a guardrail.
  • Comprehensive. Comprehensive car insurance covers damage to your car from events other than collisions, such as animal strikes, fire, flooding and hail damage. It also covers theft of your vehicle.
  • Medical payments. Also known as MedPay insurance, this coverage can pay your medical bills and those of your passengers after an accident, regardless of who’s at fault.
  • Personal injury protection. This type of coverage pays for you and your passengers’ injuries, regardless of who caused the accident. Personal injury protection (PIP) insurance also pays for lost wages, rehabilitation costs and funeral expenses. PIP can also provide money for services like house cleaning that you can’t do if you’re injured in an accident covered by your policy.
  • Uninsured/underinsured motorist. This coverage pays for you and your passengers’ medical bills if you’re in an accident caused by an uninsured or underinsured driver. It does not pay anything to the uninsured driver. Uninsured motorist coverage is required in some states.

Esurance also offers:

  • Rental car reimbursement. If your car is damaged in an accident covered by your policy and needs to be repaired or replaced, rental reimbursement insurance can help pay for a rental car while your vehicle is being fixed. In some states, an Esurance policy may come with CarMatch Rental Coverage, which guarantees you’ll get a car comparable to the one you own.
  • Roadside assistance. If you have a flat tire, need a jump start or run out of gas, roadside assistance coverage can provide assistance. It can also help cover the cost of towing your vehicle if it isn’t driveable.

Esurance Auto Insurance Cost Comparisons

Here’s a look at how Esurance car insurance rates stack up against top competitors in California.

Esurance Car Insurance Rates for Good Drivers

Esurance has the third lowest annual costs for good drivers in California, among the companies in Forbes Advisor’s analysis.

Company Cost per year for a good driver
$1,721
$1,775
Esurance
$1,924
$2,118
Auto Club
$2,350
$2,369
$2,728
$2,851
$3,014
*USAA auto insurance is available only to members of the military, veterans and their immediate family.

Esurance Car Insurance Rates for Drivers With a Speeding Ticket

If you have a speeding ticket on your record, Esurance is a good company to consider. Its yearly car insurance rates for a driver with a speeding ticket in California are second only to USAA.

Company Cost per year for a driver with a speeding ticket
$1,969
Esurance
$2,472
$2,537
Auto Club
$3,055
$3,283
$3,447
$3,978
$4,139
$4,981
*USAA auto insurance is available only to members of the military, veterans and their immediate family.

Esurance Car Insurance Rates for Drivers with a DUI Conviction

If you have a DUI, expect your car insurance rates to skyrocket. Shopping for the best car insurance quotes after a DUI can save you hundreds of dollars. Esurance offers the third lowest annual rates for someone with a DUI in California, according to Forbes Advisor’s analysis.

Company Cost per year for a driver with a DUI
$4,040
$4,220
Esurance
$4,898
$5,173
$5,190
Auto Club
$7,030
$7,831
$7,986
$8,304
*USAA auto insurance is available only to members of the military, veterans and their immediate family.

Does Esurance Offer Accident Forgiveness?

Esurance does not offer accident forgiveness insurance. However, its parent company, Allstate, does.

With accident forgiveness, your rate does not go up after your first at-fault accident. This is a great benefit for safe drivers who are worried about being penalized for one mistake.

Does Esurance Offer New Car Replacement Insurance?

New car replacement insurance isn’t available with Esurance. However, the company does offer gap insurance (see below), which covers the difference between what you owe on your car loan and your car’s actual cash value in the event that your car is totaled in an accident.

Does Esurance Offer Gap Insurance?

Esurance has gap insurance coverage. This means that if your car is totaled and you owe more than it’s worth, Esurance will pay you up to 25% more than your car’s actual cash value to help cover the gap.

For instance, say your totaled vehicle is valued at $25,000 but you owe $30,000 on the car loan. Your comprehensive or collision insurance would cover the $25,000, minus your deductible. Then gap insurance would pay you the other $5,000 so you don’t have to come up with that money on your own.

Does Esurance Offer a Diminishing Deductible?

Esurance does not currently offer a diminishing deductible benefit, which decreases your deductible each year you don’t have an accident. However, its parent company, Allstate, does offer a diminishing deductible. To learn more about Allstate’s Safe Driving Bonus coverage, check out our Allstate car insurance review.

SR-22 Insurance from Esurance

If you need SR-22 insurance, Esurance can file the form required in your state. An SR-22 is a certificate of financial responsibility that proves you have the minimum amount of liability insurance required by your state. It’s typically court-ordered and required for drivers who have been labeled “high risk” due to a DUI, too many traffic tickets, driving without insurance or other issues.

Does Esurance Offer Usage-Based Insurance?

Esurance has a usage-based insurance program called DriveSense. You get an instant discount just for enrolling.

Once you download the DriveSense mobile app, Esurance monitors your driving habits. If you demonstrate that you’re a safe driver, Esurance customizes a discount once you’ve logged at least 50 trips.

DriveSense is currently available in 35 states.

Does Esurance Offer Pay-Per-Mile Insurance?

Esurance no longer offers pay-per-mile insurance. However, its parent company, Allstate, has a pay-per-mile program called Milewise.

Does Esurance Offer Rideshare Insurance?

If you drive for Uber or Lyft (or any other ridesharing company), Esurance offers rideshare insurance policies. Esurance’s rideshare insurance is called ShareSmart, and it’s currently available in three states: California, Illinois and New Jersey. Esurance plans on rolling it out to other states.

Esurance’s Auto Insurance Discounts

Esurance has fewer car insurance discounts than its competitors, but in our analysis its base rates were already very competitive. Depending on your ZIP code, driving record and other factors, you might qualify for any of these:

  • DriveSense discount. You can lock in an initial discount just for enrolling in Esurance’s usage-based driving program. But it’s only available in 35 states.
  • Multi-policy discount. Bundle an Esurance auto policy with a home, renters or motorcycle policy for additional savings.
  • Pay all at once discount. This discount is for paying your six-month policy premium in full upfront instead of making monthly payments.
  • Multi-car discount. If you insure more than one vehicle with Esurance, you can snag a price break.

Auto Insurance Complaints Against Esurance

Esurance has a complaint level that is more than six times higher than the industry average nationwide. Car insurance shoppers can easily find companies with much better complaint track records.

Other Types of Insurance from Esurance

In addition to auto coverage, Esurance sells:

  • Motorcycle insurance
  • Renters insurance
  • Homeowners insurance

Esurance Online Policy Management

Esurance has a mobile app and website where you can:

  • View your auto insurance ID cards
  • Check your coverage details
  • Add or remove a vehicle
  • Pay bills
  • File a claim
  • Submit photos for claims and appraisals
  • Update your address and contact info
  • Manage policy documents
  • Request roadside assistance

Methodology

We used data from Quadrant Information Services to find average rates for Colorado car insurance companies. Rates are based on a 40-year-old female driver with a new Toyota RAV4 and coverage of:

  • $100,000 for injuries to one person, $300,000 for injuries per accident and $100,000 of property damage (known as 100/300/100).
  • Uninsured motorist coverage of 100/300.
  • Collision and comprehensive insurance with a $500 deductible.