Esurance vs Allstate: Compare Auto Insurance Rates

allstate vs esurance

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Are you trying to decide between Allstate car insurance and Esurance?

The choice between the two doesn’t boil down to price alone. If you want a little extra hand-holding while you compare car insurance rates, Allstate is the way to go while shoppers who need no assistance will fare better at Esurance.

For the most part, you will find lower rates at Esurance, which is no surprise given that it has no agents to employ.

Allstate employs agents to help guide you through the process of selecting auto insurance, and so it tends to charge more but it also tends to win higher marks for customer service.

As a customer, the choice between Esurance vs Allstate boils down to whether price or customer support are more important to you. But they are not the only two factors you need to weigh up when making your decision.

Here’s a list of other considerations that you should pay attention to when selecting between Allstate and Esurance.

Auto Insurance Comparison:
Allstate v Esurance?

Both Esurance and Allstate provide usage-based auto insurance. This is also known as pay-as-you-drive (or sometimes pay-how-you-drive and mile-based auto insurance).

For this type of insurance, the costs depend on the vehicle type and distance traveled, as well as other factors like the time in the vehicle, driver behavior, and location.

Unlike traditional insurance, which is designed to reward “safe” drivers with lower premiums or no claims bonuses, usage-based auto insurance rewards behaviors like driving less frequently.

How Usage Based Insurance Works?

Where traditional car insurance charges a flat rate each month, usage-based insurance prices vary depending on the amount driven.

Auto insurance companies use a variety of sources to gauge how much you drive, including:

  • Odometer readings
  • Total mileage calculated using GPS data
  • Data collected from the vehicle, including speed, time-of-day, and driving actions

Which States Does Allstate and Esurance Operate In?

According to Esurance, it operates in 42 states currently whereas Allstate operates in every state in the Union.

States where Esurance does not operate include:

  • Alaska
  • Delaware
  • Hawaii
  • Wyoming

What Vehicle Insurance Does Allstate and Esurance Provide?

Esurance and Allstate are not limited to just providing auto insurance coverage.

You can buy insurance for boats, RVs, and motorcycles too from Allstate, though Esurance may not provide coverage in every state so you will need to check online whether your state is covered depending on where you live.

 

How To Buy Insurance:
Online vs Agents?

Buy Esurance Auto Insurance Online

If you are a DIY shopper, Esurance will be your best bet because auto insurance is sold online and by phone.

It is simple to get a quote from Esurance, whether for auto or home insurance. All you need to do is enter some basic information about yourself, the cars, drivers, and select from the insurance options available.

Buy Allstate Car Insurance Via Agents

On the other hand, if you wish to compare auto insurance options and have questions along the way, Allstate is a better choice because agents assist shoppers to find the best car insurance policy.

In fact, even if you wanted to purchase auto insurance online from Allstate, you will be redirected to an agent in your local area.

 

Allstate Vs Esurance:
Claims Tracking

Esurance was built to make it easy to get quotes online as well as to process and track claims online.

To speed up the claims process compared to the old school paper and pencil approach, Esurance relies on the latest technology and tools.

Video Appraisal Estimate

With Esurance Mobile, you can speed up claims by connecting via smartphone video chat with a claims expert who will assess damage so you can get an on-the-spot estimate.

Photo Claims Estimate

Another option is to simply snap a photo of the damage to get an appraisal.

Within one business day, a claims rep will provide a repairs estimate or schedule a visit in-person if needed.

Online Repair Monitoring

To stay up to-date on the status of your claims, Esurance provides RepairView® a web-based claims tracking tool that lets you view car repair photos, email the repair shop directly, and even share photos online if you wish.

Allstate Claims Tracking

Allstate also provides sophisticated claims tracking tools, including:

  • Photo claims
  • Video claims
  • Online claims tracking
  • Online repair tracking

It’s no surprise that both Allstate and Esurance provide similar tools when it comes to claims because in 2011 Allstate purchased Esurance, though the two companies continue to operate different business models leading up to the purchase of auto insurance; Allstate relies on agents while Esurance sells online or by phone.

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Esurance vs Allstate:
Auto Claims Satisfaction

According to the J.D. Power 2017 U.S. Auto Claims Satisfaction Study, Allstate beat Esurance when pleasing customers.

Allstate scored 864 points out of 1,000 on J.D. Power’s overall customer satisfaction index ranking while Esurance earned 854 points.

According to J.D. Power, both of these scores ranked “about average” in the industry.

Top of the list came Amica Mutual with 901 points while Safeco ranked at the bottom of the list with 820 points.

>> Looking For Renters Insurance, Check Out Allstate

 

Esurance vs Allstate:
Compare Pricing & Quotes

As you might expect when comparing the price of auto insurance quotes, Esurance ranks best in most states.

As mentioned above, you will need to speak with an agent to get a quote from Allstate and that means a more costly labor infrastructure than at Esurance, which handles quotes and claims online or by phone.

However, price sensitive shoppers should not rule out Allstate because it offers discounts galore, including:

Price DiscountsAllstateEsurance
Anti-theft Device
Anti-lock Braking
Air Bags
Good Driver
Defensive Driver
Student Away At School
Driver Training
Green Vehicles
Pay In Full
Telematics
New Vehicle
Good Student
Multiple Policies
Multiple Vehicles
Home Owner
Military

What Other Insurance Is Available:
Allstate V Esurance?

Both Allstate and Esurance provide other types of insurance products from coverage of boats to RVs.

Where Allstate goes a step further than Esurance is in covering mobile homes too.

Type Of InsuranceAllstateEsurance
Auto Insurance
Renters Insurance
Life Insurance
Condo Insurance
Boat Insurance
Motorcycle Insurance
RV Insurance
Travel Trailer Insurance
Mobile Home Insurance

 

Esurance vs Allstate:
Pros and Cons

Allstate InsuranceEsurance Insurance
Guided Shopping Experience: Allstate agents can help you to find the right auto insurance policy to fit your needs.Online Experience: Esurance is best for shoppers who want a 100% online shopping experience.
Higher Customer Satisfaction: Allstate customers rank their insurer higher than do Esurance customers according J.D. Power & Associates.Online Tools: While Allstate compares well on automating claims processes and tracking repairs, Esurance gets the edge for innovating in this category.
Auto Insurance Discounts: More discounts are available through Allstate than via Esurance.Mobile Access To Experts: You can connect via smartphone video chat to Esurance experts.
Other Insurance Products: Allstate has a broader basket of insurance products if you need additional coverage.Home Owner Insurance: Esurance is best for home insurance coverage because Allstate does not offer a product.
Coverage Area: Allstate coverage spans all states versus 42 states for Esurance.

 

Esurance vs Allstate Reviews Summary

If the idea of shopping for auto insurance online doesn’t phase you, Esurance is the way to go.

Esurance has top notch online tools to help you connect via video chat with experts, submit claims, and even track repairs.

Homeowners looking for coverage will do better at Esurance too because Allstate offers no homeowner insurance product.

However, if you had to choose between Allstate or Esurance, the more established Allstate wins the overall prize because of its national coverage, higher customer satisfaction ratings, and greater number of discounts available to drivers.

With that said, if price is your deciding factor, Esurance is cheaper in most states but some exceptions exist so it is best to compare auto insurance quotes in your state before choosing one over the other.

 

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