Esurance vs. Allstate Car Insurance Comparison [2026]

Allstate is a trusted name in car insurance and has sold standard policies for nearly 100 years. Esurance is a relative newcomer to the insurance market and focuses on digital car insurance. However, Allstate acquired Esurance in 2011 and has since announced plans to phase the digital insurance company out.

While you can’t purchase a new Esurance policy, Esurance still manages its existing plans. Regardless, Allstate and Esurance insurance reviews show both companies have higher average rates and struggle with customer service ratings.

Read on to learn how to compare car insurance quotes and coverage options between Allstate and Esurance. And don’t forget to compare other companies before making your final decision – this Esurance vs. Allstate car insurance comparison is a good place to start, but you might find better rates elsewhere.

Compare Esurance vs. Allstate Car Insurance Coverage

When it comes to Allstate insurance vs. Esurance coverage, you can purchase everything you need for a basic policy. Both companies offer liability, collision, comprehensive, uninsured/underinsured motorist, personal injury protection, or medical payments insurance.

One of the benefits of choosing Allstate car insurance over Esurance is availability. Esurance is only available in 43 states, while Allstate sells car insurance nationwide. Another benefit is that there are more Allstate insurance add-on options. Compare customization options from each company below.

Allstate vs. Esurance Car Insurance Coverage Options

Read more:

• Esurance vs. Geico vs. Progressive Car Insurance Comparison
• Esurance vs. Liberty Mutual Car Insurance Comparison

As you can see, Allstate offers a few more add-ons than Esurance. If you want to add coverage to your policy like new car replacement or sound system insurance, Allstate has Esurance insurance services beat.

Esurance vs. Allstate Car Insurance Comparison by Age and Gender

Allstate car insurance quotes tend to be some of the highest average rates in the country, while Esurance quotes are usually much lower. However, that’s not always true. Check the rates below to compare Allstate vs. Esurance rates based on age.

Allstate vs. Esurance Car Insurance Monthly Rates by Age & Gender

For most drivers, rates from Esurance compared to Allstate are generally lower. However, you might find Allstate quotes are the cheaper option if you’re a younger driver.

These differences in rates highlight why it’s crucial to compare rates from multiple companies. Looking at a car insurance comparison chart can give you a quick idea of how much coverage might cost you at different companies.

Read More: Compare Best Car Insurance Companies That Beat Quotes

Allstate vs. Esurance Usage-Based Car Insurance Comparison

Most companies offer usage-based or telematics car insurance discounts to help safe drivers save. The Esurance insurance option is DriveSense, while Allstate offers Drivewise.

Both programs function similarly. They track driving behaviors like rapid acceleration, hard braking, and what time you drive to determine how much of a discount to give. Although Esurance is owned by Allstate today and no longer writes new policies, existing Esurance customers may be able to enroll in DriveSense. Any Allstate customer can sign up for Drivewise.

The main difference between the two programs is the amount you can save. Allstate advertises savings of up to 40%. Esurance doesn’t list the maximum amount of savings DriveSense offers, but most safe drivers report a 35% discount.

Another crucial difference is availability. Drivewise is available in all 50 states, while DriveSense is currently offered in just 30.

Esurance vs. Allstate Car Insurance Discounts

Since both companies have higher than average rates, finding discounts is crucial in getting affordable quotes. The list of Allstate car insurance discounts is extensive, with a few rare offerings like a senior driver discount. Esurance also offers a significant number of discounts, but not quite as many as its parent company. Check out the discounts you might be eligible for with each company below.

Allstate vs. Esurance Car Insurance Discounts

Although Allstate offers more discounts than Esurance, remember that Esurance car insurance quotes tend to be lower unless you’re a teen. While looking at discount availability is an integral step when you compare cheap car insurance options, you should also keep in mind overall average prices.

Allstate vs. Esurance Customer Service and Reviews

Since Allstate is Esurance’s parent company, you might expect Allstate reviews and complaints to match fairly closely.

For starters, the Allstate insurance rating from A.M. Best is a superior A+. As its parent company, Allstate’s A.M. Best rating applies to Esurance.

Both companies also get similar ratings from the National Association of Insurance Commissioners (NAIC). The NAIC rates companies on the number of complaints they receive compared to their size. The national average is 1.0, with higher numbers meaning the company gets more complaints than expected.

Both Allstate and Esurance have high ratings. Allstate has a 2.70, and Esurance earned a 6.88. This means both companies receive more complaints than expected.

So why do Allstate and Esurance receive so many complaints? While there are several reasons, common complaints from customers include long wait times for claims, poor customer service experiences, and confusing price hikes.

With so many Esurance complaints, comparing other options is a good idea. You won’t be able to buy a new Esurance plan, but existing customers might find better coverage.

How to Buy Allstate vs. Esurance Car Insurance

You have several options to get Allstate quotes. The simplest is to use the online quote request form on the Allstate website. You can also speak with an Allstate representative by phone or in person if you’d rather get help from a person.

Regardless of how you get Allstate quotes, you’ll need the same basic information. You’ll need to provide personal data and information about your vehicle.

If you’re wondering how to get Esurance quotes, you won’t be able to apply for a new policy. Since Esurance was taken over, it now directs new policies to Allstate.

The Bottom Line Between Esurance vs. Allstate Car Insurance

Although Esurance started as an independent company over two decades ago, it’s owned today by Allstate. You can’t buy a new Esurance policy, but the online company still manages existing policies.

If you’re looking for a new policy, Allstate might be your best option. Allstate rates are higher than most other companies, but many customers enjoy the variety of insurance options the company offers. However, you should always compare rates with other companies to ensure you get the right policy for your needs.