Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Oct 28, 2020

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Allstate and Esurance are two of the most well-known car insurance companies, but how does Esurance stack up against the second largest car insurance company in the USA?

Allstate Insurance has established themselves over the years as one of the most respected and well-known auto insurance companies in the United States, whereas Esurance is a relative newcomer to the insurance industry that focuses primarily on an online model for selling and servicing car insurance.

Each company has their benefits. While some may prefer the comfort and security of working with a 100-year-old company like Allstate, others appreciate the convenience of Esurance.

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Allstate History

The Allstate Corporation is the second largest car insurance company (behind State Farm) in the United States with almost an 11 percent market share nationally. Allstate is also the largest publicly held insurance company in the nation and sells car insurance through the USA and Canada. The company was founded in 1931 and was a subsidiary of Sears, Roebuck and Co.

After many years of growth and evolution, Allstate became an independent public company in 1995. The company is headquartered in Northfield Township, Illinois, and many are familiar with its marketing slogan “Are you in good hands?”

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Esurance History

Esurance was formed in 1998 and wrote its first insurance policy in 1999. By 2000, Esurance was acquired and is now a wholly owned as a subsidiary of White Mountains Insurance Group. The White Mountains Insurance Group is publicly held with the New York Stock Exchange ticker WTM.

Esurance, headquartered in San Francisco, California, sells car insurance directly to the consumer. One of the company’s key features is the use of cutting-edge technology to help customers get insurance in the most efficient way possible.

They also offer customer service 24 hours a day and seven days a week in addition to their low-cost and efficient claims management system.

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Allstate Versus Esurance Auto Insurance Rates Comparison

Since Esurance operates strictly online, without brokers or extra office space, they do not incur many of the costs that other insurance companies would. Esurance is able to share this cost savings with their customers to keep rates down.

Esurance also uses proprietary methods for pricing and underwriting their policies, which enables them to give consumers personalized policies that factor in more detail on their individual characteristics and potentially provides them lower policy rates.

Allstate offers an auto insurance plan called “Your Choice Auto” that provides options and several rewards for their customers. The plan guarantees set premiums regardless of the number of accidents a person has, and Allstate will also guarantee to never increase your insurance rates as long as you stay in the program.

There are other discounts available, such as reductions in collision deductibles for safe drivers. Some customers can even receive a 5 percent discount in each six-month period that they drive without an accident. They offer three other policy packages, including a Value package, along with their standard policy.

Allstate’s website offers information on car insurance discounts, car insurance requirements, and tips for young drivers and online quotes. They also provide online video recordings to help explain the different types of auto insurance coverage as well as their discount features and other information to help consumers make the best, most cost-efficient choices.

According to 2011 statistics published by the California Department of Insurance, Allstate will hypothetically insure a male, driving with a clean record in a Honda Accord at 10,000 miles or less per year, for $1,321.

The same customer profile for Esurance is estimated at $1,408.

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Esurance markets their business as a customer satisfaction-driven company, and they have made it easy to get insurance quickly and efficiently while never leaving your home. They have also made their claims handling on a round-the-clock basis much easier.

Esurance takes pride in being able to offer a six-minute free quote with the ability to compare car insurance rates from leading companies before buying online.

Allstate has a user-friendly website with a large amount of helpful information on each of their product categories as well as easy-to-find customer service numbers and online quote requests.

They also have tools to help customers calculate their cost savings and see how safe of a driver they need to be to get more discounts.

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Allstate Versus Esurance Car Insurance Offerings

Esurance offers the following products:

  • Auto insurance
  • Motorcycle, boat and other personal vehicle insurance
  • Home insurance
  • Renters insurance
  • Life, health and even pet insurance

Allstate offers a much larger portfolio of products including:

  • Auto insurance
  • Homeowners insurance
  • Commercial insurance
  • Small business insurance
  • Estate-planning products
  • Life insurance
  • Annuities, mutual funds and IRAs
  • And more

Which car insurance company is better — Allstate or Esurance?

When comparing insurance rates among two companies, it is important to make sure you are comparing insurance coverage quotes that have identical coverage limits or as close to it as possible.

Esurance has a more progressive business model that may save you money, while Allstate has many additional products that can be bundled with your car insurance to save more money.

Both companies are comparatively priced; however, it really depends on your risk profile as to whether or not Allstate or Esurance is the better option for you. Both companies have great reviews and a strong following, but never forget to compare at least five or six car insurance companies in your search for coverage.

Premiums can vary by significant amounts from one provider to the next, and the only way to get the best rates is to shop around.

Compare auto insurance rates in our FREE quote comparison tool today!

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  1. Allstate vs. Progressive Car Insurance
  2. Allstate vs. Nationwide Car Insurance
  3. Allstate vs. Geico
  4. Allstate vs. Amica
  5. Allstate vs. State Farm Insurance