Is Esurance the Cheapest Auto Insurance?

Insurance costs vary widely and depend on each individual driver. Things like your credit score, driving record, and age will influence your price. One of the best ways to get an idea of Esurance's cost is by getting a quote online.

Drivers in America usually spend around $1,500 to $2,000 per year for car insurance, but that rate can vary widely depending on your specific situation. If you're considering Esurance, you should know that it's not the cheapest option available, but it may still be a good choice for you.

Esurance Pricing

Compared to national averages, Esurance prices are relatively standard. However, these prices will depend significantly on the individual. For example, young drivers under the age of 25 can expect to spend about $4,000 per year for full coverage, while a middle-aged married couple could spend around $3,000 annually. To get a better idea of your potential cost, consider these factors:

Your Age

Your age can change the cost of car insurance drastically. Esurance is likely to be more expensive than other options if you're a younger driver, although the national average cost for drivers under 25 is higher across the board. 

Credit score 

Credit scores impact insurance prices. If you have good credit, you can expect a lower rate.

Driving record

Insurance companies base their pricing on several factors, including your driving record. If you've been in multiple accidents, especially at-fault accidents (accidents you caused), you will likely pay more for insurance.

Getting an Esurance Quote

The best way to get an estimated cost of Esurance coverage is by filing for a quote. Here's how to get started:

  • Go to Esurance's website
  • Enter your ZIP Code on the home page, then click "Get a quote" and follow the onscreen instructions
  • Enter your contact and identification info
  • Provide details about your car
  • Provide details about your car's drivers

Esurance Coverage Options

Some insurance companies offer coverage for special situations and vehicles, including vintage cars or commercial drivers. While Esurance has a variety of coverage options, other companies are better-suited to cover these situations.

Before starting a membership with Esurance, you should ask an agent about the coverage you're paying for. Lower prices are enticing, but they tend to mean less coverage.

Esurance FAQs

Here are some commonly asked questions when shopping for car insurance.

Does Esurance provide good coverage?

J.D. Power gave Esurance an average rating, but your specific needs might make the company a better or worse option.

What does Esurance cover?

Esurance offers standard car insurance policies along with policies for homeowners, renters, and motorcycle owners.

Will Esurance cover my state?

To find out if Esurance offers coverage in your state, go to the company's website and enter your ZIP Code on the home page.

Why Did GetHuman Write "Is Esurance the Cheapest Auto Insurance?"?

After thousands of Esurance customers came to GetHuman in search of an answer to this problem (and many others), we decided it was time to publish instructions. So we put together Is Esurance the Cheapest Auto Insurance? to try to help. It takes time to get through these steps according to other users, including time spent working through each step and contacting Esurance if necessary. Best of luck and please let us know if you successfully resolve your issue with guidance from this page.

Why does GetHuman Write How-to Guides for Esurance Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like Esurance in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our Is Esurance the Cheapest Auto Insurance? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.


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Is Esurance cheap?

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