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Esurance is a top choice for customers who prioritize low premiums over quality service. This Esurance auto insurance review will help drivers decide if this insurer is right for them.
Esurance premiums are described by customers as affordable, but the insurer has a poor reputation for customer service. It received a significantly higher number of complaints than competitors, according to the National Association of Insurance Commissioners. It also offers fewer options for bundling coverage than many other companies.
Online reviewers generally agree that Esurance is more affordable than many competitors, including Allstate and Progressive.
Many auto insurers offer discounted coverage for drivers who meet certain criteria. Unlike some competitors offering the best car insurance, Esurance does not provide a comprehensive published list of discounts. However, some of the discounts the company does indicate they offer include:
Esurance offers limited coverage options, making few types of policies available.
Esurance provides coverage for only two types of vehicles: cars and motorcycles. Boat and RV insurance are not available through the company.
Esurance offers the standard types of coverage most insurers provide. It also offers some specialized coverage not all competitors offer, including ShareSmart for rideshare drivers. Here are the types of coverage Esurance provides:
Esurance receives low marks for customer service. The number of complaints about the company to the National Association of Insurance Commissioners is much higher than average. While the company did receive an A- Better Business Bureau rating, it earned just 1.07 out of a possible 5 stars in more than 100 customer reviews on the BBB site.
Many insurers offer more products than Esurance, including life insurance, boat insurance, and business insurance. With a limited selection of different policy types, Esurance isn't the best option for those who want the most opportunities to save by bundling or who wish to purchase all their coverage from one insurer for convenience.
When looking for an auto insurer who offers better customer service: State Farm has a better customer service reputation, earning top marks in several markets in J.D. Powers' overall customer satisfaction survey. But, keep in mind, premiums may be costlier with State Farm.
When looking for an auto insurer who offers more bundling options: Nationwide offers much more variation in types of policies available, so it may be preferred by those who want just one insurer covering most of their risks. But, remember, Nationwide doesn't offer the same comprehensive rideshare coverage that Esurance provides.
Esurance might be best suited for people who are:
Esurance is a good choice for drivers signing up for auto insurance who need rideshare protections or who want to minimize coverage costs. However, the company's reputation for poor customer service should worry any motorist who might potentially have to make a claim in the future.
At The Motley Fool Ascent, insurers are rated on a scale of one to five stars. We primarily focus on pricing, coverage options, and customer satisfaction; however, we also take into account features like unique discounts, online and app-based experiences, and branch access. Our highest-rated auto insurances generally include low costs, solid coverage, and high customer satisfaction.
We're firm believers in the Golden Rule, which is why editorial opinions are ours alone and have not been previously reviewed, approved, or endorsed by included advertisers. The Ascent, a Motley Fool service, does not cover all offers on the market. The Ascent has a dedicated team of editors and analysts focused on personal finance, and they follow the same set of publishing standards and editorial integrity while maintaining professional separation from the analysts and editors on other Motley Fool brands.