Update: As of March 2023, Esurance is no longer selling insurance to new customers. Instead, it's directing potential customers to its parent company, Allstate, to get quotes or buy a policy.
Esurance isn't canceling existing policies, so current customers aren't affected by the change.
Most drivers will find better rates from Esurance than Allstate. A full-coverage policy from Esurance costs $1,372 per year, on average, which is $520 per year cheaper than Allstate. Esurance's rate is also $153 per year less than the national average for full coverage.
Minimum coverage is also cheaper from Esurance, at an average of only $555 per year..
Young drivers, however, will find cheaper rates with Allstate, as well as more coverage options, discounts and insurance customization.
Best for | Allstate | Esurance |
|---|---|---|
| Price | ||
| Discounts | ||
| Coverage | ||
| Customer service | ||
| Availability | ||
| Editor's rating | ||
| ValuePenguin's full review | Allstate review | Esurance review |
Esurance vs. Allstate: Who's cheaper?
Esurance is cheaper than Allstate for most drivers. However, drivers who are young or have been involved in an at-fault accident can find better rates with Allstate.
Cheapest for most drivers: Esurance
Esurance is usually cheaper than Allstate for car insurance. Average rates at Esurance are only $1,372 per year, or $114 per month, for full coverage , compared to Allstate's average rate of $1,892 per year, or $158 per month.
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Esurance is also less for minimum coverage . An Esurance policy costs an average of $555 annually, or $46 per month. The same coverage costs $734 per year, or $61 per month, at Allstate.
Esurance vs. Allstate average car insurance rates
Coverage | Allstate | Esurance |
|---|---|---|
| Full coverage | $1,892 | $1,372 |
| Minimum coverage | $734 | $555 |
Cheapest for drivers with certain prior incidents: Esurance
Full coverage costs less at Esurance than Allstate for drivers with a recent speeding ticket (36% cheaper) or DUI (53% cheaper).
If you've been in an accident, though, Allstate is a better choice, because the company does not raise rates after one accident. It's 12% cheaper than Esurance in this situation — a difference of $269 per year.
Esurance vs. Allstate car insurance cost after incident
Incident | Allstate | Esurance |
|---|---|---|
| Speeding ticket | $2,749 | $1,752 |
| Accident | $1,892 | $2,161 |
| DUI | $7,390 | $3,448 |
Cheapest for young drivers: Allstate
Young drivers will pay less (by 7%, on average) for car insurance from Allstate than from Esurance.
Young drivers with a clean record or recent speeding ticket pay about the same for minimum coverage at Allstate or Esurance. But Allstate is much cheaper after an accident if you have a full-coverage insurance policy. In fact, there is no difference in rate for drivers involved in a single accident versus drivers with a clean record.
Esurance vs. Allstate car insurance for teens
Allstate | Esurance | |
|---|---|---|
| Minimum coverage | $1,948 | $1,963 |
| Speeding ticket | $2,309 | $2,329 |
| Accident | $1,948 | $2,194 |
| Full coverage | $4,409 | $4,967 |
Esurance vs. Allstate auto insurance discounts
Allstate offers many of the standard discounts drivers expect from a major insurance company. Esurance does not provide an overall list of available discounts. And the discounts they do offer vary by state.
Discount | Allstate | Esurance |
|---|---|---|
| Antilock brakes | ||
| Anti-theft device | ||
| Automatic payments | ||
| Early signing | ||
| Good student |
Discounts available vary depending on your location and driver profile. Insurance companies may limit the total potential reduction in annual premium costs. Also, certain discounts may apply only to specific coverages, such as just the PIP section of your premium, rather than the entire policy.
Allstate vs. Esurance: Usage-based insurance
Both Allstate and Esurance have usage-based programs that provide an opportunity to save on car insurance based on driving behavior.
The companies' programs are very similar. Allstate and Esurance both use a mobile app to track driving behaviors and offer a sign-up discount.
In addition, Allstate offers a pay-per-mile program called Milewise. It calculates your car insurance rate based on how many miles you drive. Milewise logs your miles using a plug-in telematics device and is currently available in 21 states plus the District of Columbia .
People who don't drive often, such as students away at college, retirees and people who work from home, can save money by choosing a per-mile insurance program.
Esurance vs. Allstate: Compare coverage options
As two large insurance companies, both Esurance and Allstate have the standard coverages you'd expect. But Allstate also offers a handful of add-ons that Esurance does not.
Allstate car insurance coverage options
Allstate offers a number of coverage options for customizing your policy.
Custom equipment coverage helps cover the cost of damaged or stolen aftermarket parts and electronics.
Classic-car insurance protects your antique, vintage or classic car for an agreed-upon value It also lets you choose where to have it repaired.
Mexican car insurance helps pay for medical bills, car repairs, legal assistance and more if you travel to Mexico.
Ride for hire insurance protects rideshare drivers while the app is on and they're waiting to be assigned a passenger .
Esurance car insurance coverage options
Esurance offers fewer add-ons than Allstate. Drivers will have to pay extra for roadside assistance, rental car reimbursement and gap insurance.
Esurance also has rideshare insurance, called ShareSmart, in California, Illinois and New Jersey.
Allstate vs. Esurance: Company structure and policy availability
Allstate, available in all 50 states, issues policies under several subsidiaries, including Allstate Assurance, Allstate Fire & Casualty and Allstate Indemnity.
Esurance is owned and backed by parent company Allstate but operates with a high degree of independence. Esurance is available to drivers in 43 states .
Esurance vs. Allstate: Customer service, reviews and satisfaction
Although Allstate owns Esurance, the companies approach customer service differently. The major difference is that Esurance focuses more on direct-to-consumer relationships, whereas Allstate relies on a large network of insurance agents.
Industry reviewer | Allstate | Esurance |
|---|---|---|
| Editor's rating | ||
| NAIC Complaint Index | 0.63 | 1.76 |
| AM Best financial strength rating | A+ | A+ |
Allstate has better customer service ratings than Esurance, according to complaint data from the National Association of Insurance Commissioners (NAIC).
Esurance's score is higher than both Allstate's and the national median, which indicates Esurance received more complaints than expected, based on their market share.
Allstate also received a higher rating from ValuePenguin's editors. This rating considers the overall value a company provides, including its rates, coverage options and customer satisfaction.
Frequently asked questions
Does Allstate cover rental cars?
Your Allstate car insurance policy does cover you while driving a rental car. But if you don't have comprehensive and collision coverage on your policy, also known as full coverage, you won't be paid for any damage to the rental car that's your fault.
Who owns Esurance?
Esurance is owned by Allstate, but until 2023, the companies operated independently. Each offers different rates, coverage options and discounts, and your customer service experience will be different.
What states does Esurance cover?
Auto insurance from Esurance is available in 43 states. Coverage is not available in Alaska, Delaware, Hawaii, Montana, New Hampshire, Vermont or Wyoming.
Methodology
Esurance and Allstate car insurance quotes were analyzed from thousands of ZIP codes across California for a single 30-year-old man with a clean driving record who drives a 2015 Honda Civic EX, unless otherwise noted. Young driver quotes were based on an 18-year-old man.
The following coverage levels were used to gather quotes:
Coverage type | Minimum coverage | Full coverage |
|---|---|---|
| Bodily injury liability | $15,000 and $30,000 | $50,000 and $100,000 |
| Property damage liability | $5,000 per accident | $25,000 |
| Uninsured or underinsured motorist bodily injury | Waived | $50,000 and $100,000 |
| Comprehensive and collision | Waived | $500 deductible |
This analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurance company filings and should be used for comparative purposes only. Your own quotes may be different.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
