Car Insurance
Esurance Insurance Company is a renowned company in the automobile insurance sector. There are best insurance plans under this automobile insurance plan.
out of 599 user reviews

Insurance Coverage

Before investing one must completely know about the plan and coverage sections of the company as well and the customer ratings that would aid in exploring more about the company. Esurance is an American assurance company which sells automobile insurance and other insurance directly to the potential customers through online medium or via phone. The primary competitors of the organiuation include Nationwide car insurance, Safeco car insurance and others. Have a look at the coverage, premiums and customer reviews below.

There are different level and criteria for minimum coverage of automobile insurance. For convenience you may contact the agents for a basic idea of minimum coverage plan. Taking note over the base of minimum coverage in California by Esurance is:

  • Bodily injury liability covering a minimum of $30K per accident, and $15K per person. Property damage liability by Esurance is minimum sum of $5K.
  • Coverage for the uninsured motorist with minimum of $30Kper accident and $15K per person.
  • A minimum sum of $3500 to the uninsured and underinsured motorist property damage.

As per the state law these minimum ranges are subject to change. To get Esurance Car insurance quotes, you may contact the company through its official helpline number at (800) 378-7262.

Coverage Options

Below are the standard car insurance coverage provided by the company.

  • Medial payment for personal injury protection- The cost or the outlay cover consist of- hospitalization expense, therapeutic expense and doctor’s service fee.
  • Bodily injury liability- The coverage extends to the payments of expenses related to injuries, damages or death of any pedestrian on the road or any other driver meeting an accident where it is the fault of the insured.
  • Uninsured motorist coverage-
  • Property damage liability- the coverage extends to the expenditures related to another party’s injury.
  • Collision cover- maintenances or replacement of the automobile worn-out in a mishap with any other vehicle or object.
  • Comprehensive physical damage- insurances the overheads to get the restoration or replacement done.

Besides these, there is some more coverage provided by the company, which are:

Towing/Labor cover Services: This is an emergency roadside coverage service which can be availed along with the collision and comprehensive coverage option. This coverage turns out to be of great help when you get stuck on the roads for many issues like battery problem, sudden breakdown or an emergency on the road.

Special coverage by Esurance- There are many car accessories or parts that are though relevant for driving on the road but are not covered in the basic insurance plan. Well, these are covered under the special coverage plan introduced by Esurance. For example, custom paints, custom spoilers, grilles, TV, car stickers or tattoos and etc. All these are covered under special coverage option.


The policy plans of Esurance car insurance is effectually proposing diverse types of price cut on its car insurance policies, along with the festivity discount. These discounts can also save on the monthly EMI payment altogether. Following are the discounts offered by Esurance

  • Anti-Theft Devices and Anti-Lock Breaks
  • Defensive Driver Courses
  • Homeowner
  • Group Membership
  • Multi-Vehicle Policy
  • Safe Driving Record
  • Up-Front Payment

Customer Satisfaction

Customer Satisfaction Rating: 
out of 599 user reviews

The rating for customer satisfaction is not grand and is based on Esurance car insurance reviews. The average customer ratings include the following:

Discount Satisfaction - 6.5

Ease of setup - 8.2

Customer Service - 7.5

Premium Affordability - 7.3

Claims Process - 6.5

Based on the above ratings, you may select your insurance plan. However, you may also look at the customer ratings of the competitors too before making the final deal

Survey Review Data

Financial Stability

Financial Stability Rating: 
out of 599 user reviews

Financial Stability Rating is the score of Esurance car insurance ability to discharge the claims of the policyholders. Whether a company is economically stable or not is considered by looking at the evaluations that are apportioned to the company by authorized credit ratings agencies. These ratings are given by official credit rating agencies.

Esurance has a good rating of 4.5 out of 5. The credit rating agencies have provided a stable rating to Esurance car insurance company


Looking at the strong financial stability and affordability, it appears that the customers will not get any problems in getting their claims. The financial stability rating makes the customers satisfied about the financial soundness of the car insurance company. The customers of Esurance car insurance company appears to be extremely satisfied about the easiness of the application procedures as well as claiming process. Moreover, the discounts and special coverage also have attracted many customers to have a look at the policy terms of the company.

Contact Info

General Phone Number: 
Customer Service Phone: 

650 Davis Street
San Francisco, CA 94111