What discounts does Esurance offer?

Esurance car insurance discounts include anti-theft, defensive driver, homeowner, and multi-policy discounts. Esurance car insurance discounts fall under vehicle, driver, or policy categories.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 22, 2021

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Here's what you need to know...

  • Esurance is a multi-line auto insurer that uses advanced technology to make the buying process stress-free
  • Everything that you do from quoting to filing a claim is done online so you need to know how your coverage works
  • Esurance already has competitive standard rates but offers 34 discounts to lower the rates of eligible drivers
  • You might be eligible for driver discounts, vehicle discounts, or other policy discounts with Esurance
  • Some of the largest discounts through Esurance include Claim-free, Good Student, Safe Driver, and Pac 12

Since the company’s founding in 1999, Esurance has insured more than 5.2 million vehicles. As the first-ever auto insurance company to sell policies direct to consumers over the world wide web, Esurance has truly become the definition of Insurance for the Modern World.

Recognizing that Esurance was legitimate competition, Allstate acquired Esurance and its holding companies in 2011.

Since Esurance has successfully streamlined the complicated process of buying insurance and updating policies, it has received some rave reviews and even some awards.

The company was even honored with the Highest Customer Satisfaction Among Auto Insurers in California award from JD Power. One reason that so many people love Esurance is that the company offers great service and loads of discounts.

See how Esurance rates compare with other car insurance rates by entering your zip code into our free quote comparison tool above.

Don’t all companies offer the same discounts?

Since virtually all insurance companies that sell personal car insurance offer pretty much the same types of general coverage, it’s easy to assume that insurance discounts work the same way.

While it’s a reasonable assumption, anyone who thinks that all insurers in the same state offer the same discounts is misinformed.

Some auto insurance discounts must be offered to all eligible drivers as prescribed by the state.

Generally speaking, the required discounts are related to safe driving or being claim-free. A majority of other discounts are offered by insurers because the insurer wants to stay competitive to a certain target audience.

Not all companies offer all discounts and the size of the discounts vary from company to company.

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Types of Discounts Offered by Esurance

When you’re buying insurance, your entire mission is to find a bargain-priced plan without ever having to leave yourself vulnerable to losses. The best way to do this is to scout out all of the discounts that you qualify for.

The great thing about Esurance is that the company offer 34 different discounts. With most carriers, you’ll either get vehicle, driver, or policy discounts

Liberty Mutual and MetLife may offer more, but the number is high compared to other companies like 21st Century, Ameriprise, AAA, or State Farm, which all offer only between 18 and 22 options. Here’s a breakdown of the discounts offered by category:

Vehicle Discounts Offered by Esurance

Trucks, compact cars, and even luxury convertibles can be eligible for one or a handful of different vehicle discounts. When you enter your VIN into a system for a quote, the vehicle’s class code will be populated into the quote to set the car’s rates.

While some information is pre-populated, you can still ask for discounts that weren’t automatically applied.

The car’s ISO code uses claims data and repair cost information to assess how much the car should cost to insure. Having safety features could help you reduce your budget. Here are vehicle discounts offered by Esurance:

  • Anti-Lock Brakes (Will be input after submitting your VIN)
  • Anti-theft (Savings will vary based on whether you have an active or passive alarm system installed in your vehicle)
  • Daytime Running Lights (Will be input after submitting your VIN)
  • Green Vehicle (For electric and hybrid vehicles)
  • Newer Vehicle (Three years old or newer)
  • Passive Restraint
  • Vehicle Recovery (For OnStar, LoJack, or Teletrac)
  • VIN Etching (Only in LA, NJ, and NY)

Driver Discounts Offered by Esurance

You might think that the only difference between a safe driver and a risky driver is accident record, but that’s not necessarily true.

In the eyes of an insurance underwriter, it’s not just your accident history or your motor vehicle record that dictates if you’re a safe risk. It’s your habits, your experience, and your training that comes into play.

If you’re considered a high-risk driver, you could be operating one of the lowest cost vehicles in the nation and still pay more than the average driver for basic liability-only coverage.

Risky drivers won’t get as many discounts as other preferred drivers, but there are still some available. Here are driver discounts offered by Esurance:

  • Claims-Free (Must have five years of driving experience and be free of accidents and DUI’s for a five-year period)
  • Defensive Driver (Available to drivers of all ages in NY, NJ, OK, and GA and drivers 50 or older in all other states)
  • Driver’s Ed (Available to drivers 21 and under who complete a teen driving course)
  • Further Education (For drivers with a four-year degree or higher)
  • Good Student (For students 25 and younger who earn a GPA of 3.0 or higher)
  • Homeowner (For policyholders if they own a condo or house)
  • Renter
  • Married (For policyholders who are married if their spouse is a rated driver)
  • Affinity Memberships
  • Military (LA only)
  • Occupation (Available only in CA for professionals that work in 20+ fields)
  • Online Shopper (Only available in UT, VA, or IL.)
  • Senior Driver
  • Safe Driver (Available to drivers with three or more years of experience when they have one point or less on their record)

Policy Discounts From Esurance

If the discount that you’re eligible for doesn’t fit into the previous two categories, it’ll be categorized as a policy discount.

While they are related to your driving or your car, they can really help you drive premiums down based on your history as a client and how your structure your policy. Here are your options:

  • Multi-policy (Discounts applied to both policies if you carry multiple lines of insurance)
  • Multi-vehicle
  • Paperless and Auto Pay
  • Full Payment
  • Continuous Coverage (When you switch you can’t have any lapses)
  • Future Effective Date (If you choose an effective date more than 24 hours in the future)
  • Driving Device Discounts (Only in OH, CO, MO, and UT)
  • Low Mileage (Only available to drivers in CA with DriveSense)

You can’t memorize the criteria that you must meet to get every discount. If you want to find out which savings will be applied to your policy, you can use an online system, enter your information, and discounts are applied automatically.

Instead of getting quotes direct through Esurance, use our rate comparison tool and compare quotes from multiple carriers all at once. Enter your zip code below to get started.


  1. https://www.iii.org/article/how-can-i-save-money-auto-insurance
  2. https://www.esurance.com/info/car/the-history-of-car-insurance
  3. https://www.esurance.com/company/news/2011-allstate-closes-acquisition-of-esurance-and-answer-financial
  4. https://www.jdpower.com/press-releases/jd-power-2017-us-auto-insurance-study
  5. https://www.thebalance.com/how-to-get-a-good-driver-discount-527533
  6. https://www.verisk.com/insurance/about/
  7. https://www.insurance.ca.gov/01-consumers/105-type/95-guides/01-auto/auto101.cfm
  8. https://blog.esurance.com/8-car-insurance-discounts-that-could-save-you-cash/
  9. https://www.esurance.com/insurance/classic-car/discounts
  10. https://www.esurance.com/insurance/car/discounts
  11. https://www.thebalance.com/how-do-i-get-a-multi-car-discount-527538
  12. https://www.esurance.com/drivesense

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