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Founded in 1999, Esurance was one of the first companies to sell car insurance online and launched innovations such as video and photo claims services and online coverage advice through the Coverage Counselor. Esurance now operates as a subsidiary of Allstate.

Esurance continues to promote simple, straightforward car insurance options. It was among the first to offer pay-per-mile insurance and has a usage-based program called DriveSense that drivers can use to earn a discount.

As part of Allstate Insurance Group, Esurance customers make up part of the group’s 10.41% of the private passenger auto insurance market. That number, provided by the National Association of Insurance Commissioners (NAIC) 2022 report, makes Esurance part of the fourth-largest auto insurance group in the nation.

Types of coverage available from Esurance

  • Auto
  • Pay-as-you-drive plan: DriveSense
  • Pay-per-mile (Oregon only)
  • Motorcycle
  • ATV
  • Boat
  • RV
  • Travel trailer
  • Classic vehicle
  • Scooter
  • Golf cart
  • Segway
  • Homeowners
  • Renters
  • Condo
  • Umbrella liability
  • Flood

Offerings vary by state.

Esurance auto insurance discounts

  • Multi-policy discount: Have a homeowners or motorcycle insurance policy in addition to your auto policy gets drivers a discount. Both policies get a discount; savings vary.
  • Paid in full discount: Pay your premium in one lump sum when you buy or renew your policy and get a discount of up to 10 percent.
  • Switch and save discount: Switch to Esurance from another auto insurer, without a gap in coverage, and save up to 5 percent in many states. Discount lasts for first to policy terms.
  • Fast 5 discount: Start a quote online at to get a 5 percent discount off your first-term premium.
  • Online shopper discount: In Illinois, Utah and Virginia, if you start your quote online, you can receive a discount for being an online shopper. (Discount amount varies)
  • Homeowners discount: Own a home and obtain a discount on your auto insurance.
  • Renters Plus discount: If you’re an Esurance auto policyholder and rent a home, condo or apartment and get a renters policy with Esurance, you can save by having 30 percent of your renters coverage premium is deducted from your car insurance rate.
  • Emergency road assistance discount: You could save up to 5 percent on your premium by buying emergency road assistance from a provider other than Esurance, such as AAA.
  • Claim-free discount: Specifics vary by state but most common qualifications are:
    • All drivers on the policy have gone at least 60 months (five years) without an at-fault accident claim or DUI/DWI conviction
    • At least one person on the policy has 5+ years of driving experience
    • You had other car insurance at the time you bought your Esurance policy
    In some states, comprehensive claims under $1,000, glass-only claims, and emergency road service claims won't disqualify you from the discount in subsequent terms.
    Depending on your state you could get a 10 to 25 percent discount.
  • Pac-12 discount: You can save up to 15 percent on your premium if you attend or are an alumni of any of these Pac-12 schools:
    University of Arizona, Arizona State University, University of California at Berkeley, University of Colorado Boulder, University of Oregon, Oregon State University, Stanford University, University of California at Los Angeles (UCLA), University of Southern California (USC), University of Utah, University of Washington, Washington State University
  • Defensive driver discount: Also called mature driver, driver improvement or accident prevention course discount and typically applies to older drivers who have completed a defensive driving course. You can save up to 10 percent off certain coverages and is good for three years.
  • Good driver discount: Hold a driver’s license for three years with one or zero penalty points and get 30 to 40 percent discount.
  • Good student discount: Full-time high school, college or university students under 25 years of age with at least a B average can receive up to a 10 percent discount on liability, collision, and medical payments coverages.
  • Multi-car discount: Insure more than one car on the same Esurance car insurance policy to receive a discount.
  • Anti-theft discount: You can receive a discount of 5 to 25 percent off your comprehensive coverage for having an anti-theft device in your vehicle. Requirements vary by state; in some a simple alarm will count, while in others a vehicle recovery system is needed for the discount.
  • Safety device discount: You can save between 2 and 33 percent on medical payments and PIP coverage if your vehicle has manufacturer-installed airbags or automatic seat belts.
  • Antilock brakes discount: Get a 5 percent discount if your vehicle has antilock brakes.
  • DriveSense discount: Install a telematics device to have your driving monitored and you can receive a discount. The discount is of 5 to 10 percent for signing up, and then you earn a personalized discount each subsequent policy term, based on your driving.

Offerings can vary by state. Some features may be optional

Not all companies/options/discounts available in all states/situations. This description is an example and is subject to change. Verify all details before purchase. Logos, trademarks and service marks are owned by the respective companies represented on this web page.

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