Esurance
Esurance is a San Francisco-based, Allstate-owned direct-to-consumer insurance company that sells auto, homeowners, renters, and motorcycle coverage online and via mobile app to individual consumers across 43 U.S. states, differentiating through telematics (DriveSense), photo-based claims, and a digital-first service model.
- Company typePrivate
- Founded1999
- HeadquartersSan Francisco, United States
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
What Esurance does
Esurance is a direct-to-consumer property and casualty insurance company headquartered in San Francisco, California, that sells personal lines coverage primarily through digital channels. Founded in 1999 as one of the first online auto insurers, the company offers car insurance in 43 U.S. states plus homeowners, renters, motorcycle, ATV, condo, and business insurance, serving more than 500,000 individual consumers and small business customers. It is a wholly-owned subsidiary of The Allstate Corporation following Allstate's 2011 acquisition, and operates multiple legal entities (Esurance Insurance Company, Esurance Property and Casualty Insurance Company, Esurance Insurance Company of New Jersey, and Home State County Mutual Insurance Company) with an A+ (Superior) A.M. Best financial strength rating on its primary entities.
The technology platform is built around a cloud-based, mobile-first insurance stack. The Esurance Mobile App handles policy management, bill payment, digital ID cards, claims filing, and roadside assistance. DriveSense is a telematics-based mobile app, powered by Arity, that tracks driving behavior (speed, braking, time of day, location) and applies usage-based pricing discounts. Photo Claims enables customers to submit damage imagery via smartphone for rapid settlement (next business day for eligible low-value claims), and the E-star network integrates over 1,400 preferred repair facilities with lifetime repair guarantees and text/email status updates. ShareSmart provides rideshare gap coverage for Uber and Lyft drivers in California, Illinois, and New Jersey.
Revenue is generated primarily through recurring insurance premiums sold on six-month policy terms with monthly or paid-in-full billing, supplemented by installment fees ($3-$10 per payment depending on state), late payment fees ($10-$15), and cancellation fees. Go-to-market is direct-to-consumer: the website and mobile app are the primary distribution channels, with phone-based sales assistance and a CJ Affiliate-powered online partner program. Marketing emphasizes digital advertising, organic search, and customer testimonials, and the company is CCPA-compliant and aligned with WCAG 2.0 AA accessibility guidelines.
Esurance firmographics
Firmographics- Name
- Esurance
- Legal name
- Esurance Insurance Services, Inc.
- Website
- https://esurance.com
- Company type
- Private
- Founded year
- 1999
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Short description
- Esurance is a San Francisco-based, Allstate-owned direct-to-consumer insurance company that sells auto, homeowners, renters, and motorcycle coverage online and via mobile app to individual consumers across 43 U.S. states, differentiating through telematics (DriveSense), photo-based claims, and a digital-first service model.
- Ownership category
- akta.pro rank
Esurance industry classification
Industry- Product category
- Personal Auto Insurance
- NAICS
- Direct Property and Casualty Insurance Carriers (524126), Direct Insurance (except Life, Health, and Medical) Carriers (52412)
- SIC
- Fire, Marine & Casualty Insurance (6331), Insurance Carriers, Nec (6399)
- akta.pro primary industry
- Personal Auto Insurance (FSAJAMAA)
- akta.pro secondary industry
- Commercial Property Insurance (FSAJACAE)
Keywords
Where Esurance is headquartered
LocationHeadquarters
- HQ city
- San Francisco
- HQ country
- United States
- HQ region
- North America
Offices3 records
Markets served
Esurance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Auto Insurance Premiums: Primary revenue stream from auto insurance policies sold directly to consumers. Policies are sold with 6-month terms with monthly or paid-in-full payment options. Premium pricing incorporates factors including driving record, vehicle type, location, coverage limits, and telematics discounts through DriveSense.
- Homeowners and Renters Insurance Premiums: Revenue from homeowners and renters insurance policies, often bundled with auto coverage for multi-policy discounts. Renters coverage starts at $14/month average, underwritten in part by Homesite Insurance Group and Security First Insurance Company partners.
- Motorcycle Insurance Premiums: Revenue from motorcycle insurance policies, with bodily injury and property damage as standard coverage, and optional comprehensive and collision coverage. Policies underwritten by Progressive in certain states.
- Installment and Processing Fees: Monthly payment plans include small installment fees ($3-$10 per payment depending on state). Additional fees include $25 mail document fee, $10-$15 late payment fees, and cancellation fees of 10% of remaining balance or flat $30-$50 fee.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Renters insurance starts at $14/month average, can be bundled with auto for multi-policy discount. |
| Subscription | Annual | Auto insurance with average savings of $462 for drivers who switched. |
| Freemium | Annual | DriveSense telematics discount - free to enroll, discount based on driving behavior. |
| Subscription | Annual | ShareSmart rideshare coverage endorsement added to personal auto policy. |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Esurance product offering
Product offeringCore offering
Esurance sells personal lines property and casualty insurance — primarily auto, homeowners, renters, motorcycle, ATV, condo, and small business policies — directly to individual consumers through its website, mobile apps, and phone service. Policies are issued by its carrier entities (Esurance Insurance Company and affiliates), with pricing driven by standard risk factors and telematics data from the DriveSense app.
Product overview
Esurance is a direct-to-consumer insurance company offering a portfolio of property and casualty insurance products. The core product is auto insurance, supplemented by homeowners, renters, motorcycle, ATV, condo, and business insurance. The company differentiates through digital-first service delivery via its Esurance Mobile App and online platform, with add-on features including DriveSense® (usage-based telematics for discounts), Photo Claims (mobile photo-based claims submission), ShareSmart® (rideshare insurance endorsement), and the E-star® repair network. All products are offered through the company's online channel and mobile applications, with policies underwritten by Esurance Insurance Company and its affiliates. The company is an Allstate subsidiary headquartered in San Francisco, California.
Differentiator
Problem solved
Functional benefit
Brands
- DriveSense: A mobile app that tracks driving habits and provides personalized discounts based on safe driving behavior.
- ShareSmart
- Photo Claims
- E-Star
- Renters Plus
- CarMatch Rental Coverage
Products and services
- Car Insurance Primary personal auto insurance product providing liability, collision, comprehensive, medical, uninsured motorist, and emergency roadside coverage to individual drivers; priced by driving record, vehicle, location, coverage limits, and DriveSense telematics data; underwritten by Esurance Insurance Company and affiliates.
- Homeowners Insurance
- Renters Insurance
- Motorcycle Insurance
- ATV Insurance
- Condo Insurance
- Business Insurance
- DriveSense
- ShareSmart
- Esurance Mobile App
- Photo Claims
- E-star Repair Network
Quantifiable outcome
- Average auto insurance savings of $462 for switching customers
- +4 more outcomes
Companies that use Esurance
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles3 records
Esurance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature5 records
Esurance partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- AritycoreArity is an affiliate that provides the technology platform for the DriveSense mobile app. Arity handles the privacy policy and data collection for DriveSense, including trip tracking, driving behavior analysis, and location data. The partnership enables Esurance's telematics-based personalized discount program.
Scale indicators5 records
Recent moves6 records
Expansion highlights5 records
Esurance competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key highlights6 records
Customer concentration
Esurance social profiles
Digital presenceEsurance compliance and trust
Trust signalCompliance2 records
Esurance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Esurance leadership team
Management profileNumber of profiles
Profiles4 records
Esurance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Esurance M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Esurance
What does Esurance do?
Esurance sells personal lines property and casualty insurance — primarily auto, homeowners, renters, motorcycle, ATV, condo, and small business policies — directly to individual consumers through its website, mobile apps, and phone service. Policies are issued by its carrier entities (Esurance Insurance Company and affiliates), with pricing driven by standard risk factors and telematics data from the DriveSense app.
Is Esurance a public or private company?
Esurance is a private company. It is classified as corporate owned and is currently operating.
When was Esurance founded?
Esurance was founded in 1999. It employs 1,001 to 5,000 people.
Where is Esurance based?
Esurance is headquartered in San Francisco, United States, in the North America region.
How does Esurance make money?
Four revenue lines are on record. Auto Insurance Premiums are the primary driver. The others are homeowners and Renters Insurance Premiums, motorcycle Insurance Premiums and installment and Processing Fees.
Does Esurance have an API?
No public API is recorded for Esurance.
What industry is Esurance in?
Esurance's product category is Personal Auto Insurance. Its primary akta.pro industry code is FSAJAMAA, Personal Auto Insurance, with a secondary code of FSAJACAE, Commercial Property Insurance. Its NAICS code is 524126 and its SIC code is 6331.