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Esurance Vs. Allstate

One of these insurers may have better coverage for you.

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06/19/2023 10:42 AM

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Choosing between Esurance and Allstate can be a tough decision. Both providers have strong industry reputations and positive reviews from customers, but when it comes to Esurance vs. Allstate, only one can be the best provider for you.

In this review, we’ll compare each company’s coverage, costs, claims process, and more to help you decide which auto insurance company is your best bet. Any time you shop for car insurance, we recommend getting at least three quotes from the best car insurance companies so you can compare policies side by side.

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Esurance Vs. Allstate Highlights

The two car insurance companies may seem similar at a glance because Allstate actually owns Esurance. But when it comes to coverage, pricing, and customer service, the insurers are unique. The biggest difference is that Esurance is a tech-focused company with no customer-facing offices, whereas Allstate is known for its great local service.

EsuranceAllstate
Our Rating3.84.1
Availability35 states50 states
Coverage4.14.4
Cost3.53.3
Customer Service4.14.3
AM Best Financial Strength RatingA+A+
J.D. Power Claims SatisfactionN/A889/1,000
Mobile App Google Play Rating4.43.9

Esurance Vs. Allstate Coverage

You can get the standard types of auto insurance with both Esurance and Allstate, as well as things like roadside assistance and rental car reimbursement. However, there is some variation between the two companies.

Here’s a snapshot of Esurance vs. Allstate in terms of policy options:

CoverageEsuranceAllstate
Bodily Injury Liability (BI)
Property Damage Liability (PD)
Collision
Comprehensive
Personal Injury Protection (PIP)
Medical Payments (MedPay)
Uninsured/Underinsured Motorist (UM/UIM)
Roadside Assistance
Rental Car Reimbursement
Accident Forgiveness Insurance
Rideshare Insurance
Guaranteed Asset Protection (GAP) Insurance
Sound System Insurance
Mexico Tourist Car Insurance

Standout Esurance Coverage Options:

  • GAP insurance: This type of insurance will cover the difference between the actual cost value of your loaned or leased vehicle and how much you owe on the car in the event of a total loss.

Standout Allstate Coverage Options:

  • Sound system insurance: This type of car insurance coverage pays for the repair or replacement of your sound system when it is damaged in a covered incident.
  • Mexico tourist insurance: If you’re planning a road trip across the Mexico border, you may want this type of insurance. Allstate partners with car insurance companies in Mexico to give you coverage for up to one year.

Esurance Vs. Allstate Cost

According to our research, good drivers pay an average of $174 per month or $2,088 per year for a full coverage policy with Allstate. Because Allstate owns Esurance, drivers can expect to pay similar car insurance costs for that provider as well. However, remember that the price you pay for an auto insurance policy depends on many factors, including your vehicle make and model, age, location, and the discounts you qualify for.

Esurance Vs. Allstate Discounts

To get a better idea of what you might pay, check out the discount opportunities available from Esurance vs. Allstate:

Car Insurance DiscountsEsuranceAllstate
Usage-Based Program
Sign Online
Pay in Full
Good Student
Multiple Policy
Safe Driver
Anti-Theft
Multiple Vehicle
Homeowner
Online Quote
Military Discount
Defensive Driver
Senior
New Vehicle
Anti-Lock Brakes
Paperless
Automatic Payment

Standout Esurance Car Insurance Discounts

  • Fast5® discount: If you get a quote online before buying, you’ll save money on your car insurance.

  • Homeowners discount: If you own a house, even if it's not insured with Esurance, you could save money on your rates.

Standout Allstate Car Insurance Discounts

  • New car discount: If you get a brand new car and insure it with Allstate, you will save money on your car insurance rates.

  • Vehicle safety discounts: If your car has anti-lock brakes or anti-theft devices, you could save money.

  • Ways to pay discounts: When you set up automatic payments or pay in full for an entire policy term, you’ll get a discount.

Esurance Vs. Allstate Usage-Based Programs

Esurance provides a usage-based savings program called DriveSense®. Allstate offers the same service through its DriveWise® app. Here’s what we found when we compared Esurance vs. Allstate car insurance apps:

Esurance DriveSenseAllstate DriveWise
Through the Esurance mobile app or plug-in deviceThrough the Allstate mobile app or plug-in device
Discount for signing up and additional discounts for driving safely during each insured periodUp to 10% cashback for signing up and up to 25% off every 6 months for safe driving
2.7 stars on Google Play3.9 stars on Google Play

Esurance Vs. Allstate Ratings And Reviews

Allstate has a greater variety of coverage, and Esurance has more discounts, but which auto insurance company is rated more highly by industry experts? Two sources you should consider here are the Better Business Bureau (BBB), which rates business practices, and AM Best, which gives insurers a rating based on the ability to pay out customer claims.

EsuranceAllstate
BBB RatingCA+
AM Best Financial Strength RatingA+A+

These high marks from AM Best tell us that Esurance and Allstate have strong financial backing. In terms of business practices though, Allstate ranks higher than Esurance.

Esurance Customer Reviews

When comparing Esurance vs. Allstate, we found that positive Esurance customer reviews focus on the easy sign-up process, quick customer service, and helpful insurance agents. Negative Esurance reviews mention a slow claims process, high premiums, and rates that increase over time.

“The agents were quick to answer questions and stay with me ‘til the process was finished.” 

- Jean S. via BBB

“Customer service is poor. The claim that they offer a hassle-free process. I spent 45 minutes on the phone to get something taken care of that I should have been able to handle online. They 'reward' customers by removing discounts and increasing their rates.” 

- Jacob O. via BBB

Allstate Customer Reviews

We found some common themes in customer reviews of Allstate car insurance. Positive Allstate comments highlight the provider’s satisfactory claims experience and long-term relationships with customers. Negative Allstate customer feedback notes unreliable service and slow claims services. It would seem that your experience with Allstate may depend on your location.

“Best insurance company in our location. We've got our home and car insurance, and we [have used] their services for [three years already]. Everything is fine.” 

- Shaffer J. via BBB

“I was involved in an 18-wheeler accident. Truck driver wasn't insured at [the] time of [the] accident, I have uninsured motorist. Allstate did not pay to get my car fixed… After four months, Allstate has not paid for the repair. It's a bad company.” 

- Reymundo S. via BBB

Esurance Vs. Allstate Quotes And Claims

To assess each company’s quotes process, we turn to the J.D. Power 2022 U.S. Insurance Shopping StudySM, which measures the shopping experience in terms of price, policy offerings, and distribution channels. Here are the results based on customer reviews:

  • Esurance: Not Applicable
  • Allstate: 854 out of 1,000

As you can see, Esurance did not formally rank in the study, while Allstate scored nearly ten points below the segment average of 863.

To get a better sense of each company’s claims servicing, we look to another J.D. Power study, the 2022 U.S. Auto Claims Satisfaction StudySM. J.D. Power measured customer satisfaction with claims processing for each insurer. This time, Allstate pulled slightly ahead.

  • Esurance: Not Applicable
  • Allstate: 889 out of 1,000

Esurance Vs. Allstate: Conclusion

Esurance and Allstate rate similarly in the car insurance industry. With Esurance, you get a good online experience, low rates, and discounts for senior drivers and the military. Allstate has superior coverage and greater availability. In the end, our team rates Allstate higher overall.

CoverageAllstate
Cost and DiscountsEsurance
Quotes and Claims ProcessesTie
Ratings and Customer ReviewsAllstate
OverallAllstate

To find out which provider is best for your needs, we recommend getting free quotes from car insurance companies near you.

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Recommended Car Insurance Providers

Esurance and Allstate are two great auto insurance companies to consider when shopping for a new policy, but why stop there? The more options you consider, the better chance you have of finding comprehensive coverage that satisfies your budget. During your search, make sure to look into State Farm and Progressive, too.

State Farm: 4.7 Stars

As the largest auto insurance company on the market, State Farm is a good choice for many drivers, but we think it’s a great match for students in particular. There are many ways for students to save with a State Farm car insurance policy, including the Steer Clear® program that functions as a safe driving refresher course for drivers under the age of 25. Along with standard coverage, customers can get things like roadside assistance and rental car reimbursement.

Learn more in our in-depth State Farm insurance review.

Progressive: 4.3 Stars

Progressive is another smart choice for most drivers on the road, but high-risk drivers may find lower rates than they would with other insurers. Progressive has many money-saving features, including the usage-based Snapshot® program. Similar to State Farm, you can get add-on coverage like roadside assistance and rental car reimbursement, plus custom parts and equipment coverage and GAP insurance.

Read our Progressive insurance review to find out more.

How We Rate Insurers

Our review process aims to deliver consistent and unbiased assessments of car insurance providers. While there are multiple qualities that make a car insurance company successful, our review team focuses on those we believe are the most important for consumers:

  • Cost: Cost can be difficult to compare between insurers because so many factors impact annual premiums. The cheapest insurer for one driver may not be the cheapest for another. To determine our cost score, we look at insurance rate estimates generated by Quadrant Information Services, discount opportunities, and consumer reports.
  • Coverage: To determine our coverage score, we look at the number of coverage options available as well as coverage limits and deductible options. Our ratings also take into account additional services and benefits like roadside assistance.
  • Reliability: It’s important that an auto insurer is able to meet its claims obligations. Companies with a strong financial strength rating from AM Best score best in this category. Established insurers with a long history of reliable service also receive positive marks.
  • Service: We comb through customer reviews on sites like the Better Business Bureau (BBB) to learn about customer experiences. Insurers with a low volume of complaints score well in this area. We also consider the claims process, giving higher ratings to car insurance providers that offer easy-to-use claims apps.