Esurance auto insurance evaluation 2026

Esurance Car Insurance: What You Need to Know

Searching for a review of Esurance car insurance? You may be surprised to find that Esurance is no longer offering new policies. Allstate has gradually integrated Esurance into its main operations. While the Esurance website is still accessible, it primarily serves as a redirect. When you enter your ZIP code, you’re sent to either an Allstate or Direct Auto Insurance (another Allstate company) quote page, depending on your location.

If you’re seeking alternatives to Esurance, Allstate, or Direct Auto Insurance, we’ve highlighted some top options below. We’ve also included details about what Esurance previously provided, so you can compare and find the best fit for your needs.

Top Alternatives to Esurance

If you were hoping to get a quote from Esurance, consider these leading car insurance providers that offer strong alternatives based on our research:

Best for Existing Esurance Customers: Allstate

With Esurance now part of Allstate, switching to Allstate car insurance is the most seamless transition. Allstate offers similar digital features and the reliability of a nationwide insurer. Plus, you’ll find additional benefits such as accident forgiveness and new car replacement coverage that Esurance didn’t provide.

Best Overall: American Family

American Family was recognized by Yahoo Finance as the top auto insurer overall, thanks to high customer satisfaction, attractive rates, excellent bundling options, and valuable add-ons. If you appreciated Esurance’s digital convenience and competitive pricing, American Family is a strong contender with even more perks.

Best for Young and Senior Drivers: The Hartford

If affordability was your main reason for considering Esurance, The Hartford is worth exploring. It consistently ranks among the most affordable car insurance companies and provides robust coverage and discounts for both teens and seniors.

Discover more: Cheapest car insurance for seniors

Best for Claims Service: Farm Bureau

Farm Bureau stands out for its usage-based insurance program and exceptional claims handling. It matched American Family for the lowest full-coverage policy rates in our analysis. Farm Bureau’s three-year NAIC complaint ratio is just 0.137, far below the national average of 1.082, and many chapters receive top marks for repair quality from the CRASH Network.

Best for Discounts: GEICO

GEICO is known for offering a wide range of discounts. If you valued Esurance’s competitive pricing, GEICO may offer similar savings, especially if you qualify for multiple discounts.

Read more: Car insurance discounts: 17 ways to save

What Did Esurance Offer Before?

Before being discontinued, Esurance was recognized for several standout features, including:

• DriveSense usage-based insurance program
• Loan/lease payoff coverage (their version of gap insurance)
• Rideshare coverage for Uber and Lyft drivers
• Custom parts and equipment coverage
• Trip interruption coverage (up to $500 per incident)
• Emergency roadside assistance
• Affordable, digital-first experience with a mobile app

How Much Did Esurance Car Insurance Cost?

Previously, Esurance’s average rates were approximately $188 per month for full coverage and $111 per month for liability-only policies, making them generally competitive in the market.

Average Costs for Full and Basic Coverage

Esurance typically ranked in the middle range for both full and basic coverage car insurance pricing.

Frequently Asked Questions About Esurance

Is Esurance Still Selling Insurance?

No, Esurance is no longer issuing new auto insurance policies. When you request a quote, you’ll be redirected to Allstate or Direct Auto Insurance.

Find out more: Does buying car insurance online save money?

What Happens to Current Esurance Policyholders?

Existing Esurance customers have been moved to Allstate-branded policies. For more information, contact Allstate’s customer service team.

Will Esurance Return?

There are no indications that Esurance will be revived. The transition appears to be permanent.

Our Research Approach

How We Rated Auto Insurance Companies

We evaluated 20 auto insurance providers by analyzing their coverage options and pricing. Each company was scored relative to others, using the following criteria:

• Coverage options (20%): We reviewed whether insurers offered features like new car replacement (5%), GAP insurance (5%), accident forgiveness (5%), and diminishing deductible (5%).
• Average cost (40%): Pricing was estimated using Savvy Insurance Solutions’ proprietary machine learning models, drawing on over 3 million data points from more than 20 major insurers. Estimates reflect full coverage for an average policyholder (a 48-year-old with a 13-year-old car in a median-income ZIP code).
• Customer satisfaction (20%): We considered complaint data from the National Association of Insurance Commissioners (10%) and CRASH Network repair and service scores (10%).
• Discounts (10%): Points were awarded based on the variety of discounts each insurer provides.
• App ratings (10%): We included average ratings from the Apple App Store and Google Play Store, current as of publication.

About Our Pricing Data

Unless otherwise noted, all rate estimates are provided by Savvy Insurance Solutions, which operates a nationwide insurance marketplace and agency. Estimates are generated using Savvy’s proprietary models, leveraging over 3 million data points from more than 15 major insurers. Data sources include over 2 million insurance accounts linked via Trellis Connect and thousands of policies issued by Savvy agents. The models consider numerous factors, such as:

• Policyholder’s age
• Number of vehicles insured
• ZIP code
• Vehicle age
• Insurance provider
• And more

Estimates are tailored by adjusting specific variables, such as age for teen driver quotes, while keeping other factors constant. This approach allows for highly personalized pricing predictions based on a wide range of user scenarios.

Key Definitions

• Full coverage car insurance: A policy that includes comprehensive, collision, and liability protection.
• Average policyholder: Defined as a 48-year-old driver with a 13-year-old vehicle living in a median-income area.
• Senior driver: A 70-year-old policyholder with full coverage.
• Good driver: Drivers with clean records—no tickets, accidents, or DUIs—across all types of coverage and vehicles.