Cheapest company - Allstate
Best unique coverages - Allstate
Compare Esurance vs. Allstate to Find Out Which Is Best for You
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Ensure you're getting the best rate. Review quotes from a top insurance company.
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Verdict
Allstate has cheaper rates for the average driver and slightly higher customer service ratings. The insurer also offers more unique coverages, including coverage for custom parts and portable electronics. However, Esurance is a better fit for drivers who have a DUI on their record. Allstate tends to be cheaper in more states and is available in all 50 states and the District of Columbia, while Esurance is only available in 43.
Esurance is good for drivers with a DUI looking for low rates. Allstate is good for drivers looking for affordable auto insurance with quality customer service.
Is Esurance or Allstate Cheaper Overall?
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Allstate offers the cheapest overall auto insurance on average, with an annual cost of $1,351. Esurance’s average yearly premium is $1,473 — $122 higher than Allstate’s.
These rates are based on a sample driver with a safe driving record purchasing a full coverage policy with 100/300/100 liability limits. Because insurance quotes can vary depending on individual details, including your age, location and driving history, it’s a good idea to get personalized quotes from both companies to more accurately compare prices.
Is Esurance or Allstate Cheaper in Your State?
Allstate is cheaper in most states. Average insurance prices at the state level can be very different than at the national level, which is why we recommend always getting a quote tailored to your specific location and circumstances.
Of the 13 states where MoneyGeek has sample rates for both companies, Allstate is cheaper than Esurance in seven states, while Esurance is cheaper in six states. Esurance is only available in 43 states, while Allstate is available in all 50 and the District of Columbia. If you'd like to see which company may offer you a lower quote in your state instantly, use our auto insurance calculator.
Average Cost Per State
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- StateEsurance Annual PremiumAllstate Annual Premium
- AlabamaNot Available$846
- AlaskaNot Available$1,074
- Arizona$1,249$1,384
- ArkansasNot Available$1,110
- California$1,055$1,322
- Colorado$1,096$1,185
- ConnecticutNot Available$1,540
- District Of ColumbiaNot Available$1,476
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Is Esurance or Allstate Cheaper for Your Age and Driving History?
Factors like your age, driving record, and even your credit score can have an impact on your car insurance rates. In general, Allstate is cheaper than Esurance for a wide variety of drivers, while Esurance is cheaper than Allstate for drivers with DUIs.
- Allstate is cheaper for a driver with a ticket.
- Allstate is cheaper for a driver with an at-fault accident.
- Esurance is cheaper for a driver with a DUI.
- Allstate is cheaper for a driver with poor credit.
Because your car insurance rate depends on so many individual factors, you should always get a personalized quote when comparing car insurance prices. Comparing premiums from multiple companies can help you to secure the lowest rates possible for your situation.
Average Car Insurance Rates by Driver Profile
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- Driver ProfileEsurance Annual PremiumAllstate Annual Premium
- 18-Year-Old StudentNot Available$2,980
- Driver With a Ticket$1,667$1,515
- Driver With an Accident$2,401$1,869
- Driver With a DUI$2,346$2,669
- Driver With Poor Credit$3,038$2,256
Esurance vs. Allstate: Which Is Better for Discounts?
Insurance companies tend to offer similar discounts, so what matters most isn’t the number of discounts on offer, but how much money you’ll pay for your premium. Home and auto bundle discounts and behavior and usage-based discounts are typically two of the most lucrative savings opportunities available.
Overall, Allstate comes out ahead in terms of discounts. They offer two different behavior and usage-based discounts, including their DriveWise program, which measures speed, braking and time of day driven, and their MileWise program, which charges drivers per mile. Esurance also features their DriveSense program, which evaluates your driving patterns and behaviors.
Esurance’s home and auto bundle could save consumers up to 10%, while Allstate’s bundle offers an average of 17% savings and up to 25% in some cases. Allstate’s discount is in line with the national average for bundling discounts, which is 17%. Check our analysis on home and auto insurance discounts and have more options available to you.
Available Discount by Company
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- DiscountAvailable With Esurance?Available With Allstate?
- Bundling✔✔
- Homeowners✔
- Sign up online✔
- New vehicle✔
- Good student✔
- Distant student✔
- Driver's education✔
- Anti-lock brakes✔
Esurance vs. Allstate: Which Has Better Customer Service?
MoneyGeek measures customer experience based on how satisfied customers are, according to J.D. Power, and how often they lodge complaints tracked by the National Association of Insurance Commissioners (NAIC). The best insurers have few complaints and high customer satisfaction ratings. Esurance received a slightly higher customer satisfaction score, while Allstate received a better score for customer complaints, meaning the two providers tie for customer service.
Esurance vs. Allstate: Customer Satisfaction Rating
Esurance has a slightly higher customer satisfaction rating than Allstate, earning 836 points from J.D. Power for customer satisfaction out of 1,000. Allstate earned 829. Esurance received high scores for first notice of loss, repair process and claims servicing.
First Notice of Loss:
4/5
Estimation of Process:
3/5
Repair Process:
4/5
Claims Servicing:
4/5
Rental Experience:
4/5
Settlement:
3/5
First Notice of Loss:
4/5
Estimation of Process:
4/5
Repair Process:
4/5
Claims Servicing:
4/5
Rental Experience:
5/5
Settlement:
4/5
Esurance vs. Allstate: Customer Complaint Ratio
Allstate has a lower complaint ratio than Esurance — 1.88 compared to 2.87. While both companies had higher ratios than the industry average of 1, the scores still mean that Allstate receives fewer complaints overall.
Esurance
Allstate
Esurance vs. Allstate: Coverage Options
All car insurance companies have standard coverages like liability insurance, comprehensive and collision insurance, uninsured motorist insurance and personal injury protection. But many companies also offer additional types of coverage.
Overall, Allstate offers more add-on coverage options than Esurance. In particular, it provides coverage for valuable items in your car, like custom parts, portable electronics and media. These coverages make Allstate a great option for drivers who travel with expensive technology or have custom parts in their vehicles.
Coverage Options by Company
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- CoverageAvailable With Esurance?Available With Allstate?
- Rental Car and/or Travel Reimbursement✔✔
- Roadside Assistance✔✔
- Custom Parts Coverage✔✔
- Rideshare Insurance✔✔
- Gap Insurance✔✔
- New Car Replacement✔
- Sound System Coverage✔
- Portable Electronics and Media Coverage✔
Esurance vs. Allstate: Which Is More Financially Stable?
Esurance and Allstate are tied when it comes to financial stability. Like most other major insurance companies, these insurers are very financially stable, meaning that they’ll be more likely to have the funds necessary to pay for a claim if you need to file one.
Esurance vs. Allstate: Online Tools
Both Esurance and Allstate offer a robust set of online tools for customers. Some of Allstate’s best tools are the educational resources it provides customers looking to learn more about insurance and personal finance. One of Esurance’s best tools is the ability to get a fast, free online quote. Both companies allow customers to manage their accounts online, view policies and file claims.
Methodology
Data on car insurance rates comparing Esurance and Allstate are for a 40-year-old male with a full coverage car insurance policy, unless otherwise noted. The policy includes:
- $100,000 on bodily injury liability insurance per person
- $300,000 on bodily injury liability insurance per accident
- $100,000 on property damage liability insurance per person
- Comprehensive and collision insurance with a $1,000 deductible
To evaluate available coverages, discounts and online tools, MoneyGeek collected information from insurer websites and quote tools. To score insurance companies on customer satisfaction and customer complaints, MoneyGeek referenced publicly available data from J.D. Power and the National Association of Insurance Commissioners (NAIC). Financial stability was measured using financial strength ratings from A.M. Best, a leading insurance credit rating agency.
About Margaret Wack
sources
- Esurance. "About Us." Accessed October 6, 2021.
- Allstate. "Car Insurance By State." Accessed October 6, 2021.
- Allstate. "Insurance Bundles and Discounts." Accessed October 6, 2021.
- Allstate. "Allstate Insurance Company." Accessed September 30, 2021.
- Esurance. "Esurance Car Insurance Quotes and More." Accessed September 30, 2021.