Esurance Auto Insurance Review

Last Updated on October 18, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 18, 2026 · How we fact-check

Esurance started as one of the first major online-first insurers and later became part of the Allstate family. Allstate said in 2019 that it would phase the brand out in 2020, and that is where things now stand. As of October 16, 2026, Esurance no longer sells new car insurance policies under its own name. Its site still says “Esurance is an Allstate company,” and the auto insurance quote link on its homepage now sends you to Allstate’s site. Esurance’s discounts page and its car insurance page lead to Allstate’s versions too, and Allstate’s annual report for 2025 lists its car insurance brands as Allstate, National General, Direct Auto and Answer Financial, with no Esurance.

If you already have an Esurance policy, you can still manage your coverage, download ID cards and file claims through Esurance. If you’re shopping, you can no longer buy a new Esurance policy. Esurance points new shoppers to Allstate, so treat the Allstate quote as one of several and compare a few carriers.

Is Esurance Still Selling New Auto Insurance Policies?

No. As of October 16, 2026, Esurance no longer sells new policies under its own name. esurance.com still shows a ZIP code box and the line “Start a fast, free auto insurance quote with Esurance,” but its auto insurance quote link now sends you to Allstate’s site. Allstate said back in 2019 that it would phase the brand out in 2020. Its annual report for 2025 lists its car insurance brands as Allstate, National General, Direct Auto and Answer Financial, and mentions Esurance only in a list of trademarks. NerdWallet’s review, updated October 1, 2026, puts it plainly: “Esurance no longer offers new policies.” The Esurance companies were licensed in 42 states on October 4, 2026, and they still service existing policies. Here is what has changed on the website:

• Some pages now belong to Allstate: esurance.com/discounts redirects to Allstate’s discounts page, and esurance.com/insurance/car redirects to Allstate’s auto insurance page. So Esurance no longer publishes a discount list or a coverage list of its own.
• Existing customers are unaffected: Login, documents, ID cards and claims all still run through Esurance, and claims reporting is 24/7.

The practical read: treat Esurance as a servicing brand for people who already have a policy. If you have one, your login, ID cards and claims still run through Esurance, and the financial strength rating below still applies. If you’re shopping, a quote you start on esurance.com ends up with Allstate, so compare it with other insurers the way you would any Allstate quote.

Auto Insurance Coverages You Can Get With Esurance

Esurance policies generally include the same core coverages you’ll find with most major insurers. Options vary by state and policy type, but commonly include:

Core Coverages

• Liability Coverage: Includes bodily injury liability coverage and property damage liability coverage to pay for injuries and damage you cause to others in an at-fault crash.
• Collision Coverage: Collision coverage helps pay to repair or replace your car after a crash (regardless of fault, depending on your state and the claim situation) minus your deductible.
• Comprehensive Coverage: Comprehensive coverage helps pay for non-collision losses like theft, vandalism, hail, fire, and animal impacts.
• Personal Injury Protection (PIP): Personal injury protection (PIP) (required in some states) can help pay medical expenses and certain related costs after an accident—often regardless of fault.
• Uninsured/Underinsured Motorist Coverage: Uninsured and underinsured motorist coverage can help protect you if you’re hit by a driver who has no insurance or not enough insurance.

Optional Add-Ons That Matter for Many Drivers

• Emergency Roadside Assistance: Often bundled as towing and labor coverage, emergency roadside assistance can help with towing, lockouts, jump starts, and similar breakdown issues (limits apply).
• Rental Reimbursement: Rental car coverage can help cover the cost of a rental while your vehicle is in the shop for a covered claim.
• Loan/Lease Gap Coverage: Gap insurance can help if your car is totaled and you owe more on your loan/lease than the car’s actual cash value.

Tip: If you’re financing or leasing, your lender/lessor typically requires collision and comprehensive. Even when they’re optional by state law, they may not be optional under your contract.

DriveSense: Esurance’s Telematics Discount Program

Esurance’s best-known feature is DriveSense, a usage-based discount program that tracks your driving through a mobile app. Esurance describes it as logging your driving, mapping your patterns and sending you trip tips and weekly recaps. You get a discount just for signing up, and more if you drive well. Two specifics worth knowing: you have to log at least 50 trips each term for it to count, and Esurance publishes no maximum discount.

If you want the deeper breakdown of how this program works (and who it’s best for), see our guide on Esurance DriveSense and how telematics can affect your premium.

For a broader look at the pros and cons of tracking-based insurance, here’s our overview on telematics and savings.

DriveSense is published in 35 states: Alabama, Arizona, Arkansas, Colorado, Connecticut, Georgia, Idaho, Illinois, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota, Missouri, Nebraska, Nevada, New Jersey, New Mexico, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington and West Virginia. If you have an Esurance policy, check the list for your state.

Esurance Discounts

Esurance no longer publishes a discount list. Its discounts page redirects to Allstate’s, which names anti-lock brake, anti-theft device, responsible payer, good student and bundling discounts, with no percentages and no multi-car discount. That means nobody publishes the Esurance discount list any more, so ask which discounts are on your Esurance policy, or on a new Allstate quote. Here is what is worth asking about:

Our own running list of Esurance car insurance discounts has more detail, including discounts Esurance used to publish before the page moved.

• Multi-car: Usually one of the biggest savings for households with more than one vehicle, though neither Esurance nor Allstate publishes it (learn how these work in our multi-vehicle discount guide). Ask for it by name.
• Pay-in-full: Common across the industry, not published by either company here (see: paying in full vs. monthly). Allstate does publish a “responsible payer” discount, which is a different thing, so ask about both.
• DriveSense: The one discount Esurance still publishes itself. A fit for low-mileage and consistently cautious drivers, in the 35 states listed above.
• Bundling: Published on Allstate’s discounts page for home plus auto. Worth comparing whether you bundle here or elsewhere.

Does Esurance Offer Accident Forgiveness?

Esurance publishes nothing about accident forgiveness, in either direction. Allstate, which now serves Esurance’s coverage and discount pages, does sell it: add the optional Accident Forgiveness feature and your rate won’t go up after an at-fault accident, though Allstate’s own disclaimer says it is not available in every state. So the honest answer is to ask whether it is on your quote rather than assume either way (here’s our full explainer on accident forgiveness).

How to Think About Esurance Rates in 2026

Esurance publishes no rate information, and neither do insurers or regulators generally, so there is no average Esurance premium to quote you. Since esurance.com now sends new shoppers to Allstate, a new quote comes with Allstate’s pricing and underwriting rules. If you already have an Esurance policy, read the company name on each renewal notice so you know whose rules apply.

In general, your rate will still depend on the same big factors every insurer uses—your state, ZIP code, vehicle, driving history, credit-based insurance score (where allowed), annual mileage, deductibles, and coverage limits.

Customer Experience and Financial Strength

Esurance built its brand on a streamlined online experience—mobile tools, digital claims features, and fewer “paperwork” headaches. That digital-first approach is still a plus for customers who prefer self-service.

When evaluating any insurer, don’t stop at pricing. It’s also smart to consider financial strength (the ability to pay claims) and the overall complaint record. Here’s our guide on how to check if an insurance company is financially stable.

On financial strength, AM Best affirmed a Financial Strength Rating of A+ (Superior) with a stable outlook for Allstate Insurance Group on September 2, 2026, and both Esurance Insurance Company and Esurance Property and Casualty Insurance Company are named in that affirmation. One wrinkle: Esurance’s own rating and state licenses page still shows an effective date of October 2017, and it notes that Esurance Insurance Company of New Jersey is rated A rather than A+.

On complaints, the Better Business Bureau profile for Esurance, Inc. carried an A+ rating when we read it on October 4, 2026. It is not BBB accredited, and it showed “200 total complaints in the last 3 years. 23 complaints closed in the last 12 months.” Separate BBB profiles exist for the Esurance underwriting companies, so check the entity on your own documents. Nothing we found shows a regulator or court action against Esurance.

How to File a Claim With Esurance

If you have an active Esurance policy, you typically have three main options:

• File online: Start the claim through Esurance’s online claim flow.
• Use the mobile app: If you have Esurance Mobile, you can start and manage certain claim steps there.
• Call claims: Esurance advertises 24/7 claims reporting by phone.

Best practice: If you’ve been notified that your policy is transitioning to Allstate, follow the instructions in your notice and confirm which company is currently handling your claims and billing.

FAQs on Esurance Auto Insurance

Esurance Contact Information

Final Word on Esurance

Esurance was a true digital pioneer in auto insurance. As of October 16, 2026, it no longer sells new policies under its own name, though it still services the policies it has: existing customers log in, get ID cards and file claims through Esurance. Its coverage and discount pages are Allstate’s now, and new shoppers are sent to Allstate.

If you already have Esurance, keep your policy information current, confirm where your policy is serviced, and claim every discount you qualify for. If you’re shopping, get an Allstate quote and two or three from other insurers at the same limits and deductibles. My advice is to read the company name on your next Esurance renewal notice before you pay it. With this brand that is the one detail people skip and later regret, because it decides whose underwriting rules you live with.

Sources

Checked October 16, 2026

• Esurance — Homepage
• Esurance — DriveSense Mobile App
• Esurance — Rating and State Licenses
• Esurance — Contact Us
• Esurance — Discounts Page, Which Redirects to Allstate
• Esurance — Car Insurance Page, Which Redirects to Allstate
• Allstate — Car Insurance Discounts
• Allstate — Accident Forgiveness
• AM Best — Rating Action on Allstate, September 2, 2026
• Better Business Bureau — BBB Profile for Esurance, Inc., October 4, 2026
• Esurance — Home Page, October 16, 2026
• Allstate — Auto Insurance, October 16, 2026
• Allstate — Form 10-K for Fiscal Year 2025
• NerdWallet — Esurance Auto Insurance Review, last updated October 1, 2026
• Repairer Driven News — Allstate to End Esurance, Consolidate Brands Into Single Business Model, December 19, 2019