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Last Updated on January 6, 2026
Esurance started as one of the first major online-first insurers and later became part of the Allstate family. But the biggest thing to know today is that Esurance’s role has changed: in recent years, Allstate has been retiring the Esurance brand and Esurance is no longer writing new policies in most situations—meaning many shoppers who try to buy “Esurance” may be routed to Allstate instead.
If you already have an Esurance policy, you can typically still manage your coverage, download ID cards, and file claims through Esurance channels. If you’re shopping for brand-new coverage, treat Esurance as a legacy brand under the Allstate umbrella and be prepared to compare quotes across multiple carriers.
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Bottom line: Esurance is best treated as a legacy Allstate brand—great for self-service policy management if you already have it, but many new buyers will end up with an Allstate quote instead.
Esurance built its reputation as an online-first carrier with straightforward coverage and app-based tools, including the DriveSense telematics program. Today, Allstate has largely retired the Esurance brand for new business in many situations, so shopping “Esurance” may route you to Allstate depending on your state and eligibility. If you’re an existing policyholder, you can typically still access documents, ID cards, and claims options through Esurance channels while transitions occur.
In most cases, no. Esurance is largely a legacy brand today, and Allstate has been consolidating direct-to-consumer sales under the Allstate umbrella. Practically speaking, that means:
This also helps explain why you’ll still see Esurance online and in licensing/rating listings, even though the brand isn’t actively writing many new policies.
Esurance policies generally include the same core coverages you’ll find with most major insurers. Options vary by state and policy type, but commonly include:
Tip: If you’re financing or leasing, your lender/lessor typically requires collision and comprehensive. Even when they’re optional by state law, they may not be optional under your contract.
Esurance’s best-known feature is DriveSense, a usage-based discount program that tracks driving behaviors through a mobile app. You may get a participation discount just for enrolling, and additional savings may be possible if you demonstrate safer driving habits over time.
If you want the deeper breakdown of how this program works (and who it’s best for), see our guide on Esurance DriveSense and how telematics can affect your premium.
For a broader look at the pros and cons of tracking-based insurance, here’s our overview on telematics and savings.
Check DriveSense availability by state before you choose a policy based on this perk, as program availability can vary.
Discount availability depends on your state, policy type, vehicle, and driving profile. If you’re comparing options, start with the big “everyday” discounts most drivers can qualify for, then work down from there.
Here’s a breakdown of the most common savings opportunities, along with our full list of Esurance car insurance discounts.
Esurance is commonly listed as not offering accident forgiveness, which is a paid feature some insurers sell to reduce the rate impact of a first at-fault accident. If this feature matters to you, use it as a comparison point when shopping (here’s our full explainer on accident forgiveness).
Because Esurance is no longer actively writing many new policies, “Esurance pricing” can be hard to compare apples-to-apples. If your quote experience routes you to Allstate, your pricing will effectively be Allstate pricing (and Allstate’s underwriting rules) even if you started on Esurance.com.
In general, your rate will still depend on the same big factors every insurer uses—your state, ZIP code, vehicle, driving history, credit-based insurance score (where allowed), annual mileage, deductibles, and coverage limits.
Esurance built its brand on a streamlined online experience—mobile tools, digital claims features, and fewer “paperwork” headaches. That digital-first approach is still a plus for customers who prefer self-service.
When evaluating any insurer, don’t stop at pricing. It’s also smart to consider financial strength (the ability to pay claims) and the overall complaint record. Here’s our guide on how to check if an insurance company is financially stable.
Esurance lists an A+ (Superior) financial strength rating from A.M. Best on its licensing and rating page (effective date shown on the page). You can view it here: Esurance rating & state licenses.
If you have an active Esurance policy, you typically have three main options:
Best practice: If you’ve been notified that your policy is transitioning to Allstate, follow the instructions in your notice and confirm which company is currently handling your claims and billing.
| Customer Service Phone | 1-800-378-7262 (1-800-ESURANCE) |
| Customer Service Hours | Mon–Fri: 7 AM–7 PM CST; Sat: 8 AM–4 PM CST; Sun: Closed |
| Claims Phone | 1-800-378-7262 (Esurance advertises 24/7 claims reporting) |
| customerservice@csr.esurance.com | |
| Mailing Address | Esurance Customer Service, C/O Allstate Insurance Company, PO Box 660637, Dallas, TX 75266-0637 |
| Fax | 1-800-926-2869 |
| Website | Esurance.com |
Esurance was a true digital pioneer in auto insurance. Today, it’s best viewed as a legacy brand under Allstate that still services many existing customers—even as new policy shopping often shifts to Allstate channels.
If you already have Esurance, the key is to keep your policy information current, confirm where your policy is being serviced, and take advantage of any discounts you qualify for. If you’re shopping for new coverage, compare multiple insurers and don’t be surprised if your “Esurance” quote ends up being an Allstate quote.
