If you’re looking for an Esurance car insurance review, you might be surprised to learn that Esurance is no longer available. Allstate has been folding Esurance into its main brand behind the scenes. Esurance’s website is still live, but it functions mostly as a redirect hub. If you enter your ZIP code, instead of seeing Esurance rates, you’ll end up on an Allstate or Direct Auto Insurance (an Allstate brand) quote page, depending on your ZIP code.
But don’t worry. If you need an Esurance, Allstate, or Direct Auto Insurance alternative, we’ve got some great picks for you, along with more info on what Esurance used to offer so you can compare options.
If you were hoping for an Esurance quote, these are some of the best car insurance companies that offer the strongest alternatives based on our analysis.
Since Allstate car insurance absorbed Esurance, this is the most natural replacement. You’ll see similar digital tools and the backing of a major national insurer. Allstate also offers features Esurance never did, like accident forgiveness and new car replacement.
American Family was named best auto insurance overall by Yahoo Finance thanks to strong customer satisfaction, competitive rates, great bundling options, and useful add-ons. If you want the friendly pricing and digital convenience that Esurance was known for, plus some added benefits, AmFam is a strong pick.
Best for teen and senior drivers: The Hartford
If affordability was what drew you to Esurance in the first place, The Hartford is worth a look. It consistently ranks among the cheapest car insurance companies in our analysis and offers strong coverage and discounts for both younger and older drivers.
Learn more: Cheapest car insurance for seniors
Best for claims handling: Farm Bureau
Farm Bureau car insurance stands out as the top choice in our analysis for its usage-based insurance (UBI) program and claims handling. It also tied with American Family for the lowest rate for a full-coverage auto policy. Farm Bureau has a three-year NAIC complaint ratio of 0.137 — well below the national benchmark of 1.082. And several Farm Bureau chapters earn top CRASH Network repair rankings.
GEICO car insurance is one of the most discount-friendly insurers on the market. If you loved Esurance’s competitive pricing, GEICO can get you close — especially if you qualify for multiple discounts.
Learn more: Car insurance discounts: 17 ways to save
Before being phased out, here are some of the features Esurance was known for:
Former Esurance car insurance rates were around $188 per month for full coverage car insurance and $111 per month for liability-only car insurance coverage, which were generally competitive.
Average auto insurance costs for full and basic coverage
Esurance ranked about in the middle of the list for the cheapest full and basic coverage car insurance.
No. Esurance auto insurance is not writing new policies. When you request a quote, you’ll be redirected to Allstate or Direct Auto.
Learn more: Does buying car insurance online save money?
Any existing Esurance customers have been transitioned to Allstate-branded policies. Contact Allstate’s customer support for specifics.
There’s no sign that the brand will return. This phaseout appears permanent.
We researched the coverage details and prices for 20 auto insurance plans. We then weighted categories, and each auto insurer was scored relative to the others to find the best auto insurance companies. Here are the factors we incorporated.
Coverage types: 20% of score. We examined all the coverage options available and assessed whether each insurer offered the following: new car replacement (5%), GAP insurance (5%), accident forgiveness (5%), and diminishing deductible (5%).
Average cost: 40% of score. The average cost was generated by Savvy Insurance Solutions in-house machine learning models based on over 3 million data points, and includes more than 20 of the largest insurance companies in Savvy’s nationwide data set. These estimates are for policies with full coverage for the average policyholder who owns one car. Average policyholder here is defined as a 48-year-old driver, driving a 13-year-old car, in an average-income ZIP code with full coverage.
Customer satisfaction: 20% of score. We factored in information from two major sources: 1) National Association of Insurance Commissioners (NAIC) complaints (10%), in which we took the total number of complaints each company had over a three-year period (2022-2024) and 2) CRASH scores (10%) from the Crash Network which share how well each company ensures quality repairs and customer service.
Discounts: 10% of score. We gave points for each type of discount that each auto insurer offers.
App ratings: 10% of score. We included the average ratings for each company’s apps across both the Apple App Store and Google Play Store. All app ratings were accurate at the time of publication.
Unless stated otherwise, the estimates above are provided by Savvy Insurance Solutions (“Savvy”). Savvy operates a marketplace for home and auto insurance, plus an agency licensed in all 50 states. Estimates are generated using Savvy’s in-house machine learning models based on over 3 million data points, and include more than 15 of the largest insurance companies in Savvy’s nationwide data set. This includes data from more than 2 million insurance accounts connected through Trellis Connect, an in-house technology allowing consumers to “link” their insurance accounts before searching for insurance, and tens of thousands of policies bound by Savvy’s own agents. It takes into account a myriad of factors to create predictions, such as:
Policyholder age
Number of vehicles
ZIP code
Vehicle age
Insurer
…and more
Savvy creates estimates by running models against multiple inputs to the parameters of interest. For instance, the “teen driver” estimates were created by adjusting the policyholder age input into the pricing model while keeping all other variables steady from the baseline for “full coverage.” The models enable hyper-personalized estimates that take into account a plethora of user attribute permutations (e.g., teen drivers in specific states, teen drivers with new vehicles, teen drivers in specific states with new vehicles) to provide individuals with a unique and tailored experience. The charts above are a subset of the kinds of personalization Savvy can do.
The following are definitions used by Savvy when providing its rate estimates for various types of coverage.
Full coverage car insurance: A policy with comprehensive, collision, and liability coverage.
Average policyholder: A 48-year-old driver who owns a 13-year-old vehicle and lives in an average-income ZIP code.
Senior driver: A 70-year-old policyholder with full coverage car insurance.
Good driver: Drivers across all coverage types, vehicle types, and locations who have no tickets, accidents or DUIs.