Esurance vs. Allstate Car Insurance Comparison [2024]
Allstate owns Esurance, but you should read our Esurance vs. Allstate car insurance comparison to find the most affordable, customized auto insurance coverage. Esurance auto insurance quotes are cheaper at $128/mo compared to Allstate's at $160/mo, but Allstate offers more car insurance discounts.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Apr 15, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Allstate is a traditional car insurance company that sells online or through local agents, while Esurance specializes in digital policies
- Esurance car insurance rates tend to be a little cheaper than Allstate, except for teen and young drivers
- After being acquired in 2011, Allstate announced plans to phase Esurance out – today, Esurance no longer sells new policies
Allstate is a trusted name in car insurance and has sold standard policies for nearly 100 years. Esurance is a relative newcomer to the insurance market and focuses on digital car insurance. However, Allstate acquired Esurance in 2011 and has since announced plans to phase the digital insurance company out.
While you can’t purchase a new Esurance policy, Esurance still manages its existing plans. Regardless, Allstate and Esurance insurance reviews show both companies have higher average rates and struggle with customer service ratings.
Read on to learn how to compare car insurance quotes and coverage options between Allstate and Esurance. And don’t forget to compare other companies before making your final decision – this Esurance vs. Allstate car insurance comparison is a good place to start, but you might find better rates elsewhere.
Compare Esurance vs. Allstate Car Insurance Coverage
When it comes to Allstate insurance vs. Esurance coverage, you can purchase everything you need for a basic policy. Both companies offer liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, or medical payments insurance.
While the minimum insurance required in your state is your cheapest option, it doesn’t cover your car repairs. Full coverage is more expensive but is often the better choice for many drivers. Both Allstate and Esurance representatives can help determine how much coverage is right for your vehicle and budget.
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One of the benefits of choosing Allstate car insurance over Esurance is availability. Esurance is only available in 43 states, while Allstate sells car insurance nationwide. Another benefit is that there are more Allstate insurance add-on options. Compare customization options from each company below.
Allstate vs. Esurance Car Insurance Coverage Options
| Coverage Option | Allstate | Esurance |
|---|---|---|
| Accident Forgiveness | ✓ | x |
| Classic Car Insurance | ✓ | x |
| Collision Coverage | ✓ | ✓ |
| Comprehensive Coverage | ✓ | ✓ |
| Custom Parts & Equipment | ✓ | x |
| Gap Insurance | ✓ | ✓ |
| Liability Coverage | ✓ | ✓ |
| Medical Payments | ✓ | ✓ |
| New Car Replacement | ✓ | x |
| Personal Injury Protection (PIP) | ✓ | ✓ |
| Roadside Assistance | ✓ | ✓ |
| Rental Reimbursement | ✓ | ✓ |
| Rideshare Coverage | ✓ | ✓ |
| Sound System Insurance | ✓ | x |
| Uninsured/Underinsured Motorist | ✓ | ✓ |
| Usage-Based Insurance (UBI) | Drivewise | DriveSense |
Read more:
- Esurance vs. Geico vs. Progressive Car Insurance Comparison
- Esurance vs. Liberty Mutual Car Insurance Comparison
As you can see, Allstate offers a few more add-ons than Esurance. If you want to add coverage to your policy like new car replacement or sound system insurance, Allstate has Esurance insurance services beat.
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Esurance vs. Allstate Car Insurance Comparison by Age and Gender
Allstate car insurance quotes tend to be some of the highest average rates in the country, while Esurance quotes are usually much lower. However, that’s not always true. Check the rates below to compare Allstate vs. Esurance rates based on age.
Allstate vs. Esurance Monthly Car Insurance Rates by Age & Gender
| Age & Gender | Allstate | Esurance |
|---|---|---|
| 16-Year-Old Male | $638 | $647 |
| 16-Year-Old Female | $608 | $634 |
| 18-Year-Old Male | $519 | $526 |
| 18-Year-Old Female | $448 | $468 |
| 25-Year-Old Male | $190 | $161 |
| 25-Year-Old Female | $181 | $155 |
| 30-Year-Old Male | $176 | $150 |
| 30-Year-Old Female | $168 | $144 |
| 45-Year-Old Male | $160 | $128 |
| 45-Year-Old Female | $162 | $130 |
| 55-Year-Old Male | $152 | $121 |
| 55-Year-Old Female | $153 | $123 |
| 60-Year-Old Male | $154 | $118 |
| 60-Year-Old Female | $150 | $115 |
For most drivers, rates from Esurance compared to Allstate are generally lower. However, you might find Allstate quotes are the cheaper option if you’re a younger driver.
These differences in rates highlight why it’s crucial to compare rates from multiple companies. Looking at a car insurance comparison chart can give you a quick idea of how much coverage might cost you at different companies.
Read More: Compare Best Car Insurance Companies That Beat Quotes
Allstate vs. Esurance Usage-Based Car Insurance Comparison
Most companies offer usage-based or telematics car insurance discounts to help safe drivers save. The Esurance insurance option is DriveSense, while Allstate offers Drivewise.
Both programs function similarly. They track driving behaviors like rapid acceleration, hard braking, and what time you drive to determine how much of a discount to give. Although Esurance is owned by Allstate today and no longer writes new policies, existing Esurance customers may be able to enroll in DriveSense. Any Allstate customer can sign up for Drivewise.
The main difference between the two programs is the amount you can save. Allstate advertises savings of up to 40%. Esurance doesn’t list the maximum amount of savings DriveSense offers, but most safe drivers report a 35% discount.
Another crucial difference is availability. Drivewise is available in all 50 states, while DriveSense is currently offered in just 30.
Esurance vs. Allstate Car Insurance Discounts
Since both companies have higher than average rates, finding discounts is crucial in getting affordable quotes. The list of Allstate car insurance discounts is extensive, with a few rare offerings like a senior driver discount. Esurance also offers a significant number of discounts, but not quite as many as its parent company. Check out the discounts you might be eligible for with each company below.
Allstate vs. Esurance Car Insurance Discounts
| Discount Type | Allstate | Esurance |
|---|---|---|
| Anti-Lock Brakes | 10% | ✓ |
| Anti-Theft Device | ✓ | ✓ |
| Automatic Payment/EFT | $10 off | $5 off |
| Defensive Driver Course | 10% | ✓ |
| Early Signing | ✓ | ✓ |
| Full Payment Upfront | ✓ | $15 off |
| Good Student | 15% | 10% |
| Homeowner | ✓ | ✓ |
| Loyalty/Continuous Coverage | ✓ | ✓ |
| Military | ✓ | |
| Multi-Policy (Bundling) | 20% | ✓ |
| Multi-Vehicle | ✓ | ✓ |
| New Car | ✓ | |
| Paperless Billing | $10 off | $5 off |
| Safe Driver/Driving History | 20% | ✓ |
Although Allstate offers more discounts than Esurance, remember that Esurance car insurance quotes tend to be lower unless you’re a teen. While looking at discount availability is an integral step when you compare cheap car insurance options, you should also keep in mind overall average prices.
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Allstate vs. Esurance Customer Service and Reviews
Since Allstate is Esurance’s parent company, you might expect Allstate reviews and complaints to match fairly closely.
For starters, the Allstate insurance rating from A.M. Best is a superior A+. As its parent company, Allstate’s A.M. Best rating applies to Esurance.
Both companies also get similar ratings from the National Association of Insurance Commissioners (NAIC). The NAIC rates companies on the number of complaints they receive compared to their size. The national average is 1.0, with higher numbers meaning the company gets more complaints than expected.
Both Allstate and Esurance have high ratings. Allstate has a 2.70, and Esurance earned a 6.88. This means both companies receive more complaints than expected.
So why do Allstate and Esurance receive so many complaints? While there are several reasons, common complaints from customers include long wait times for claims, poor customer service experiences, and confusing price hikes.
With so many Esurance complaints, comparing other options is a good idea. You won’t be able to buy a new Esurance plan, but existing customers might find better coverage.
How to Buy Allstate vs. Esurance Car Insurance
You have several options to get Allstate quotes. The simplest is to use the online quote request form on the Allstate website. You can also speak with an Allstate representative by phone or in person if you’d rather get help from a person.
Regardless of how you get Allstate quotes, you’ll need the same basic information. You’ll need to provide personal data and information about your vehicle.
If you’re wondering how to get Esurance quotes, you won’t be able to apply for a new policy. Since Esurance was taken over, it now directs new policies to Allstate.
The Bottom Line Between Esurance vs. Allstate Car Insurance
Although Esurance started as an independent company over two decades ago, it’s owned today by Allstate. You can’t buy a new Esurance policy, but the online company still manages existing policies.
If you’re looking for a new policy, Allstate might be your best option. Allstate rates are higher than most other companies, but many customers enjoy the variety of insurance options the company offers. However, you should always compare rates with other companies to ensure you get the right policy for your needs.
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Frequently Asked Questions
What’s the difference between Allstate and Esurance car insurance?
Allstate is a traditional car insurance company with ample coverage options and higher-than-average rates. Esurance started as an online insurance company in 1999 and was seen as a more modern option. Today, Allstate owns Esurance, so the online company no longer writes new policies.
Is Allstate car insurance cheaper than Esurance?
Generally speaking, Allstate is the more expensive option between the two companies. However, Allstate rates are a little lower for the average teen driver.
Is Esurance insurance being phased out?
Esurance was purchased by Allstate in 2011, but Allstate recently announced plans to phase Esurance out slowly. Today, you can’t buy a new Esurance policy. Instead, any inquiries for Esurance coverage are directed to Allstate.
Is Esurance or Allstate better at paying car insurance claims?
According to third-party ratings, Allstate pays car insurance claims better than Esurance. Esurance has several times more complaints than Allstate, many of which focus on the company’s inability to pay claims satisfactorily.
Is Esurance car insurance available in every state?
Esurance manages car insurance policies in only 43 states.
Is Esurance car insurance cheaper than Progressive?
Progressive tends to be cheaper than Esurance in all demographics, including for teen drivers and people with speeding tickets, DUIs, or low credit scores.
Is Allstate car insurance cheaper than Geico?
Allstate car insurance rates tend to be some of the highest in the nation for standard policies. On the other side of the scale, Geico tends to be one of the cheapest options.
Who is Allstate’s biggest car insurance competitor?
Allstate’s biggest competitors are State Farm, Geico, and Progressive. These three companies sell a similar number of policies, have comparable coverage options, and tend to have cheaper rates than Allstate.
Can I negotiate my claim with Allstate?
If you think the amount Allstate has offered you for a claim isn’t right, the best way to negotiate is to hire a lawyer. They’ll know exactly what you need to do to get a better payment from Allstate and can help gather relevant information.
Does Allstate or Esurance have more customer complaints?
Esurance receives many more complaints than Allstate. Allstate’s NAIC rating is 2.70, which means it gets nearly three times more complaints than similar companies. However, Esurance has a rating of 6.88, meaning it gets many more complaints.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Certified Financial Planner
Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...
Certified Financial Planner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.