Why Esurance Stopped Offering Policies and How to Find the Average Cost of Auto Insurance Per Month

Esurance, once a popular digital-first auto insurance provider, has ceased issuing new policies. The company has been absorbed into Allstate’s portfolio, and when you attempt to get a quote through Esurance’s website, you’ll be redirected to either Allstate or Direct Auto Insurance depending on where you live. For those searching for information about the average cost of auto insurance per month or looking for Esurance alternatives, understanding the current landscape is essential.

The End of Esurance: What Happened and What It Means for Consumers

Allstate’s integration of Esurance marked a significant shift in the auto insurance market. While the Esurance website remains online, it primarily functions as a gateway to Allstate’s services. This consolidation means that existing policyholders have been transitioned to Allstate-branded coverage, and no new customers can purchase Esurance policies going forward. There’s no indication that Esurance will return in its original form.

How Much Did Monthly Auto Insurance Really Cost? Breaking Down Esurance’s Pricing

Before discontinuation, Esurance was recognized for competitive rates. The average cost of auto insurance per month through Esurance ranged from approximately $111 for liability-only coverage to $188 for comprehensive full-coverage policies. These rates positioned Esurance in the middle range compared to other major insurers, making it an attractive option for cost-conscious consumers.

What Today’s Average Monthly Rates Look Like

When evaluating the average cost of auto insurance per month across carriers today, prices vary significantly based on coverage type, driver profile, and location. The $188 monthly benchmark for full coverage that Esurance previously offered remains a useful reference point for comparing current rates.

Top Competitors Offering Similar or Better Coverage

If you were seeking an Esurance quote, these leading providers offer strong alternatives:

Best for Former Esurance Customers: Allstate

The natural choice for existing Esurance policyholders is Allstate itself. You’ll retain similar digital conveniences while gaining access to additional benefits like accident forgiveness and new car replacement coverage that Esurance didn’t provide.

Best Overall Value: American Family

Yahoo Finance recognized American Family as the top auto insurer overall, combining high customer satisfaction with attractive rates. The company excels at bundling options and valuable add-ons that enhance coverage beyond basic protection.

Best for Budget-Conscious Drivers: The Hartford

If affordability drove your interest in Esurance, The Hartford deserves consideration. It consistently ranks among the most affordable providers while maintaining robust coverage and offering special discounts for young and senior drivers.

Best for Claims Excellence: Farm Bureau

Farm Bureau distinguishes itself through superior claims handling and an excellent usage-based insurance program. The company’s three-year NAIC complaint ratio of just 0.137 significantly outpaces the national average of 1.082, and numerous chapters earn top repair quality ratings from the CRASH Network.

Best for Savings Opportunities: GEICO

GEICO is renowned for an extensive array of discounts. Former Esurance customers who valued competitive pricing often find GEICO offers comparable savings, particularly when multiple discounts apply.

Comparing Average Monthly Costs Across Top Insurers

The average cost of auto insurance per month varies based on driver age, vehicle type, and coverage level. For a 48-year-old driver with a 13-year-old vehicle living in a median-income area seeking full coverage, most major insurers now cluster around similar price points. Seniors paying full coverage at age 70 may encounter different rate structures depending on the insurer’s underwriting approach.

What Made Esurance Unique Before Its Transition

Before being discontinued, Esurance offered several distinctive features that set it apart:

• DriveSense Usage-Based Program: Monitored driving habits to potentially lower premiums for safe drivers
• Loan/Lease Payoff Coverage: Their proprietary version of gap insurance protection
• Rideshare Coverage: Specifically designed for Uber and Lyft drivers
• Custom Parts and Equipment Coverage: For drivers with vehicle modifications
• Trip Interruption Coverage: Up to $500 per incident reimbursement
• Emergency Roadside Assistance: 24/7 support for breakdowns
• Digital-First Experience: Mobile app prioritized convenience and quick claim processing

How We Evaluated These Insurance Providers

Our analysis examined 20 auto insurance companies using a comprehensive methodology to ensure accuracy and relevance:

Evaluation Framework:

• Coverage Options (20% weight): We assessed whether insurers offered new car replacement (5%), gap insurance (5%), accident forgiveness (5%), and diminishing deductible (5%) features
• Average Pricing (40% weight): Using Savvy Insurance Solutions’ proprietary machine learning models based on over 3 million data points from major insurers, we estimated costs for a standard full-coverage policyholder profile
• Customer Satisfaction (20% weight): We reviewed National Association of Insurance Commissioners complaint data (10%) and CRASH Network repair quality scores (10%)
• Discount Availability (10% weight): Points reflected the breadth of discounts each company provides
• Mobile App Quality (10% weight): Average ratings from Apple App Store and Google Play Store factored into final scores

Data Integrity Notes: All rate estimates come from Savvy Insurance Solutions, which operates a nationwide insurance marketplace and processes data from over 2 million linked insurance accounts via Trellis Connect. The proprietary models account for variables including policyholder age, number of insured vehicles, ZIP code, vehicle age, and insurance carrier. Estimates for specific scenarios—such as teenage driver pricing—adjust relevant variables while maintaining consistency in other factors, enabling highly personalized cost predictions.

The methodology ensures that when you’re researching the average cost of auto insurance per month for your specific situation, you’re working with data grounded in real-world insurance transactions and sophisticated predictive modeling rather than generic estimates.

Key Definitions

• Full Coverage Auto Insurance: A policy combining comprehensive, collision, and liability protection
• Liability-Only Coverage: Basic protection covering damages you cause to others, excluding your own vehicle damage
• Gap Insurance (Loan/Lease Payoff): Coverage bridging the gap between vehicle value and outstanding loan amount
• Usage-Based Insurance: Programs monitoring driving behavior through apps or devices to adjust premiums
• Average Policyholder Profile: A 48-year-old driver with a 13-year-old vehicle in a median-income ZIP code
• Senior Driver Classification: Drivers age 70 with full coverage policies
• Good Driver Record: Clean history with no tickets, accidents, or DUIs across all coverage types