The Best and Cheapest Renters Insurance in Machias,New York for 2024: Rankings, Reviews and Rates

The Cheapest and Best Renters Insurance in Machias,New York

Since companies offer the same coverages, renters should consider the cost of renters insurance in Machias,New York when choosing a policy. Keep in mind that comparing quotes is essential to find the best option for your needs.

CheapInsuranced found that the cheapest renters insurance in Machias,New York is with:

• USAA: $74 per year (only available to military members and their families)
• State Farm: $101 per year

USAA policyholders get great value for their money since all renters insurance policies reimburse items at replacement cost. Plus, policies cover flood and earthquake damage.

The sample policy in this guide has $20,000 in personal property coverage, $100,000 in liability coverage, and a deductible of $500. Review the table below to see how prices can change when you adjust your personal property coverage limit.

AVERAGE ANNUAL RATES FOR PERSONAL PROPERTY INSURANCE

What Renters Insurance Companies Offer the Most Cheapest Coverage in Machias,New York?

CheapInsuranced assessed and ranked the most budget-friendly renters insurance companies in Machias,New York, and the results point to the top contenders:

Cheapest Option: USAA (exclusive to active/retired military and their families) Runner-Up: State Farm

Utilizing a distinctive rating methodology encompassing affordability, J.D. Power's customer satisfaction scores, and AM Best's financial stability ratings, CheapInsuranced identified these companies. Notably, these top providers extend coverage options that may be rare among other market competitors.

Overview of Rankings:

1. USAA
   • Score: 100
     • Affordability: 5/5
     • User Satisfaction: 5/5
     • Financial Stability: 5/5

Quick Take: USAA secured perfect scores in all categories, solidifying its position as CheapInsuranced's premier choice in Machias,New York. Offering competitive rates nationwide, USAA's renters insurance is exclusively available to current and former military members and their families. Noteworthy features include coverage for earthquakes and flood damage, with additional discounts for active military personnel and continued coverage during overseas deployment.

More About USAA: USAA stands out for providing renters insurance policies inclusive of protection against earthquakes and flood damage. Military personnel currently in service are eligible for extra discounts, and coverage is maintained even during overseas deployment.

2. State Farm
   • Score: 87
     • Affordability: 4.3/5
     • User Satisfaction: 4.1/5
     • Financial Stability: 5/5

Quick Take: State Farm emerges as an excellent choice for non-military renters in Machias,New York, garnering high ratings for affordability and customer service. State Farm distinguishes itself by offering add-on inflation coverage, a feature that sets it apart.

More About State Farm: State Farm consistently provides affordable options nationwide. It simplifies the process of increasing coverage limits for valuable items, such as jewelry, during the quoting phase. Additionally, State Farm offers the rare benefit of inflation coverage, automatically increasing the personal property coverage limit over time.

Average Cost of Renters Insurance in Machias,New York for 2023:

• Machias,New York: $122
• U.S.: $159

Renters insurance in Machias,New York proves to be 23.0% more economical than the national average, with an annual cost of $122 or $10 per month. This cost is notably $37 less than the U.S. average of $159 per year.

Benefits of Renters Insurance in Machias,New York

Renters insurance in Machias,New York provides valuable protection for tenants, offering numerous benefits that extend beyond mere coverage. Understanding these advantages can help renters make informed decisions about securing the right policy for their needs. Here are the key benefits of renters insurance in Machias,New York:

1. Protection for Personal Property:

Renters insurance safeguards your personal belongings, including furniture, electronics, clothing, and more. In Machias,New York, where property crime rates exist, having coverage is crucial to recover the costs of stolen or damaged items.

2. Additional Living Expenses Coverage:

If your rented dwelling becomes uninhabitable due to a covered peril, renters insurance covers additional living expenses. This means the policy helps pay for temporary accommodation, meals, and other essential costs, ensuring you're not financially burdened during a crisis.

3. Personal Liability Coverage:

Renters insurance includes personal liability coverage, offering financial protection in the event you're responsible for accidental damage to someone else's property or if someone is injured on your rented premises. It covers legal expenses and court fees, providing peace of mind in potential liability situations.

4. Medical Payments Coverage:

In case of injuries sustained on your rented property, regardless of fault, renters insurance includes medical payments coverage. This covers medical expenses for the injured party, reducing the likelihood of legal disputes.

5. Protection Against Specific Events:

Renters insurance in Machias,New York typically covers various perils, including fire, theft, vandalism, and plumbing issues. Given the occasional risks associated with natural disasters and accidents, having comprehensive coverage ensures you're financially prepared for unforeseen circumstances.

6. Affordable Financial Security:

Renters insurance is relatively affordable, with policies tailored to fit different budgets. For an average cost of $122 per year in Machias,New York, tenants gain substantial financial security, ensuring they don't face significant financial setbacks in the event of covered incidents.

7. Compliance with Lease Agreements:

Many landlords in Machias,New York may require tenants to have renters insurance as a condition of the lease agreement. Securing coverage ensures you comply with these requirements, preventing any lease violations that could lead to eviction.

8. Peace of Mind:

Knowing that your personal property is protected, and you have coverage for unforeseen events, brings peace of mind. Renters insurance allows you to enjoy your rented space without constant worry about potential financial losses.

9. Flexibility and Customization:

Renters insurance policies in Machias,New York are flexible, allowing you to customize coverage based on your specific needs. Whether you have high-value items or unique requirements, you can tailor your policy accordingly.

10. Ease of Replacement for Lost Items:

In the unfortunate event of theft or total loss of personal belongings, renters insurance ensures a smoother recovery process by providing funds to replace lost items. This ease of replacement helps tenants recover more quickly after a covered incident.

Renters insurance in Machias,New York is a practical and cost-effective way to safeguard your belongings and ensure financial stability in unexpected situations. Whether it's complying with lease agreements or protecting against specific perils, the benefits extend far beyond the policy premium.

Several factors contribute to the computation of renters insurance costs, and being aware of these elements is crucial for making an informed decision. Here are the primary aspects that significantly impact the expenses associated with renters insurance:

1. Personal Property Coverage Amount: The foremost determinant affecting renters insurance costs in Machias,New York is the coverage amount you choose. Generally, opting for higher coverage translates to a higher premium.
2. Location: Your geographical location is a pivotal factor in determining insurance costs. Renters situated in neighborhoods with a history of property theft or susceptibility to severe weather events may face increased coverage expenses.
3. Deductible: The deductible amount you select influences your out-of-pocket expenses when filing a claim for item replacement. Opting for a higher deductible often results in a lower premium.
4. ACV vs. RCV: Insurance reimbursement can follow either actual cash value (ACV) or replacement cost value (RCV). ACV considers the depreciated value of your used items, while RCV covers the equivalent cost of a new item of similar kind and quality.
5. Liability Coverage Amount: While your liability coverage amount has a marginal impact on your premium, standard renters policies typically include $100,000 in liability coverage. Additional coverage can be added at a nominal cost per year.

Determining the Appropriate Level of Renters Insurance

Understanding Renters Insurance in Machias,New York While renters insurance is not obligatory in Machias,New York, having a policy is a prudent and cost-effective measure to safeguard your possessions from potential theft or damage. Some landlords may even make it a requirement as part of your lease agreement.

Coverage Offered by Renters Insurance in Machias,New York Choosing the right coverage is crucial when shopping for renters insurance. Sufficient coverage is vital for financially protecting your personal items, especially in a city like Machias,New York, where the property crime rate was 43.91% above the national average in 2019, as per FBI statistics.

Renters insurance in Machias,New York typically covers:

1. Personal Property: This includes coverage for damage or theft of personal belongings such as clothing, electronics, and appliances within your residence.

2. Additional Living Expenses: In case your dwelling becomes uninhabitable due to a covered event, your renters insurance policy can cover temporary housing costs up to policy limits.

3. Personal Liability: Renters insurance includes personal liability coverage, protecting you in the event of an accident in your rented property resulting in damages or injuries to others. This coverage often covers legal expenses and court fees.

4. Medical Payments: The policy usually includes medical payments coverage, catering to injuries sustained on your property, irrespective of fault, up to policy limits.

Exclusions in Renters Insurance in Machias,New York It's essential to be aware of what renters insurance doesn't cover. Notably, it doesn't cover the physical structure of the building, which is the landlord's responsibility. Moreover, damages caused by floods are generally not covered, requiring additional insurance through the National Flood Insurance Program (NFIP).

Additionally, renters insurance usually excludes coverage for your roommate's possessions, earthquake damage (with most companies), damage to your vehicle, and high-value items like jewelry exceeding your policy limit. Thoroughly reviewing your policy before purchase is recommended to ensure adequate coverage.

Remember, while renters insurance is optional in Machias,New York, having a policy is recommended by CheapInsuranced to protect your personal assets, and your landlord may also require you to have coverage.

Renters Insurance in Machias,New York Analysis: Methodology CheapInsuranced conducted an extensive analysis of hundreds of renters insurance quotes in Machias,New York to assist you in finding affordable options. The best renters insurance rankings were determined using data from J.D. Power, AM Best, and affordability metrics derived from a comprehensive analysis of quotes provided by Quadrant.

Frequently Asked Questions About Renters Insurance in Machias,New York

1. How much is renters insurance in Machias,New York on average? On average, renters insurance in Machias,New York costs $122 per year or $10 per month.

2. What is the cheapest renters insurance company in Machias,New York? Based on average rates, the most affordable insurers in Machias,New York are USAA ($74 per year for eligible military members) and State Farm ($101 per year).

3. What is the best renters insurance company in Machias,New York? CheapInsuranced identifies USAA (for military families) and State Farm (for non-military members) as the best renters insurance companies in Machias,New York.

4. Do I need renters insurance in Machias,New York? Renters insurance in Machias,New York is optional. However, CheapInsuranced recommends getting a policy to protect your personal assets, and your landlord may require you to have coverage.

5. What does renters insurance in Machias,New York cover? Renters insurance typically covers personal property, additional living expenses, personal liability, and medical payments. It protects against events like theft, fire, and plumbing issues.

6. What is not covered by renters insurance in Machias,New York? Renters insurance doesn't cover the physical structure of the building, damage caused by floods (requires separate flood insurance), earthquake damage (with most companies), your roommate's possessions, damage to your car, and high-value items exceeding your policy limit.

7. How can renters insurance benefit me in Machias,New York? Renters insurance in Machias,New York offers financial protection for your personal belongings, covers living expenses if your dwelling becomes uninhabitable, provides liability coverage for accidents, and includes medical payments coverage for injuries sustained on your property.

8. Is renters insurance required by law in Machias,New York? No, renters insurance is not mandatory by law in Machias,New York. However, it is a recommended and cost-effective way to safeguard your belongings and meet potential lease requirements set by landlords.

9. How was the analysis of renters insurance conducted in Machias,New York? CheapInsuranced conducted a comprehensive analysis of hundreds of renters insurance quotes in Machias,New York. Rankings were determined based on data from J.D. Power, AM Best, and affordability metrics derived from a thorough analysis of quotes provided by Quadrant.

10. Are there specific considerations for military members in Machias,New York? Yes, military members in Machias,New York may find USAA to be a particularly affordable and beneficial option for renters insurance, tailored to their specific needs.

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• Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

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• Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

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• At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by Coverage.com, LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure.

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• About Bankrate Score

• BANKRATE'S TAKE

• Backed by major insurer Allstate, Esurance is a fully digital insurance company. While it no longer issues new policies, Esurance was designed to serve customers who want to manage their policies online or through a mobile app.

• Who Esurance may be good for: Esurance may have been a wise choice for policyholders who were looking to switch insurance providers quickly and easily and who preferred usage-based car insurance.

•  

• Who Esurance may not be good for: Esurance stopped writing new policies as of March 2023, so customers seeking a digital-first insurance company will need to look elsewhere.

• New

• Disclaimer: Esurance stopped issuing new insurance policies as of March 2023. Policies issued before that time will continue to be serviced by Esurance. As Allstate works to phase out the Esurance brand, some carrier-specific information in this article is subject to change.

• Allstate acquired the Esurance brand in 2011. As of 2019, Allstate had plans to retire the Esurance name and divide policyholders among Allstate or Allstate subsidiary brands. While it took longer than anticipated, Esurance stopped writing new business in March 2023. Drivers looking for car insurance quotes on the Esurance website are redirected to Allstate's quoting system.

• As existing Esurance policies come up for renewal, current customers will likely be offered Allstate, National General or Encompass policies, depending on various eligibility criteria. Policyholders are typically notified of their upcoming renewals 45 to 65 days before the renewal effective date. Until then, Allstate announced that existing Esurance policies will still have service through Esurance.

• Esurance car insurance

• Esurance was one of the first digital insurance providers. Bankrate’s insurance editorial team’s Esurance review determined that the company is ideal for tech-savvy drivers who prefer to pay their premiums, manage their policies and file claims digitally. However, the carrier does not advertise as many discounts as some other companies and is not considered one of the cheapest car insurance companies.

• In addition to standard coverage types, when Esurance was writing new policies, it offered optional rental car coverage, emergency roadside assistance coverage, gap insurance and underinsured/uninsured motorist coverage in select states. Based on our review of Esurance’s car insurance product, we assigned the company a Bankrate Score of 2.6 out of 5.0.

• Pros and cons of Esurance car insurance

• Comparing company pros and cons may help you narrow down your choices for the best car insurance company for your needs. Here are some of the key perks and drawbacks we identified with Esurance auto insurance:

• Highly-rated mobile app for policy management

• Easy to get a quote and buy coverage online

• Backed by Allstate, a highly rated insurer

• No longer writing new business

• Few add-on coverage types available

• Fewer advertised discounts than some competitors

• Esurance car insurance cost

• According to data from Quadrant Information Services, Esurance car insurance costs an average of $2,077 per year for full coverage and $905 per year for minimum coverage. This is higher than the national average cost of car insurance, which is $2,014 per year for full coverage and $622 for minimum coverage. 

• Although these figures may be useful for comparison purposes, keep in mind that Esurance stopped writing new policies in March 2023. In addition, car insurance rates are highly personalized. Several factors can affect your rates like the type of vehicle you drive, plus your driving history, credit-based insurance score, gender, age and more Therefore, your actual rate may be higher or lower.

• Insurance companies calculate rates based on the amount of risk you pose and therefore your likelihood to file a claim. When requesting a car insurance quote, insurers will likely look at your driving record to help determine your rate. If you have traffic violations on your record, like an at-fault accident or speeding ticket conviction, you will probably pay a higher premium for insurance. What’s more, some insurance companies will not extend policies to drivers with a DUI at all.

• In the table below, you can see what the average rates from Esurance were (when the company was actively writing policies) compared to average rates in 2023 nationwide:

• *All rates displayed are average annual rates.

• Age is another big factor that may impact your car insurance premium. Young drivers, including parents who add a teen driver to their policy, generally pay some of the most expensive rates. That’s because the less experience you have on the road, the more likely you are to file a claim. In the table below, you can see the average Esurance premium for a young driver on their parents' policy, as well as average rates for drivers in various age groups who have their own policy. Note that rates are for a driver with a clean driving record

• Average cost of car insurance for drivers on their parents’ policy

• *All rates displayed are average annual rates.

• Average cost of car insurance for drivers on their own policy

• *All rates displayed are average annual rates.

• Esurance car insurance discounts

• Discounts may help you save on your car insurance premium, but Esurance only advertises a handful of discounts on its website. These include:

• Get personalized auto insurance quotes

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• Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

• Esurance home insurance

• Esurance's website has limited information about its homeowners insurance product. The company provides all standard coverage types, like dwelling, personal property, other structures and liability, with the option to add valuable items coverage. However, the company does not mention any discounts online. Because of its limited discounts, lack of local offices and lack of 24/7 customer support, Esurance earned a 3.3 Bankrate Score, out of a total of 5.0.

• Pros and cons of Esurance homeowners insurance

• Before you purchase a home insurance policy from Esurance, it can be helpful to consider the pros and cons. Here's what you need to know about Esurance home insurance:

• Easy to manage your policy and file claims through the app

• Online home insurance quotes available

• No advertised discounts

• Just one advertised add-on coverage

• Esurance home insurance cost

• Average home insurance premiums from Esurance are not available. If you are looking for a home insurance quote through the Esurance website, Allstate will direct you to a different provider with availability in your state. Once you have a quote, you can compare it to the average cost of homeowners insurance nationwide, which is $1,428 for a policy with $250,000 in dwelling coverage.

• Read more: Best home insurance companies

• Esurance home insurance discounts

• Esurance does not list any home insurance discounts on its website.

• Get personalized home insurance quotes

• Answering a few quick questions to check your availability with Esurance

• Powered by Coverage.com (NPN: 19966249)

• Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

• Leaving so soon? Your custom quotes are just minutes away.

• Compare Esurance with other insurers

• While Esurance is no longer writing new policies, Allstate and its subsidiaries have insurance options that may work for a wide variety of drivers and homeowners. Here is how Esurance stacks up compared to alternative auto and home insurance options available through Allstate. 

• Esurance

• Allstate

• National General

• Encompass

• Is Esurance a good insurance company?

• After careful review by our insurance editorial team, Bankrate has determined that Esurance was a good insurance company for customers looking for basic auto or home policies with minimal endorsements. Esurance's mobile app made it a convenient option for drivers who prefer to manage their policy digitally, but the carrier does have high NAIC Complaint Indexes and few advertised discounts.

• Esurance customer satisfaction

• Third-party ratings may give you a better sense of an insurance company's level of customer satisfaction, claims satisfaction and financial strength. While poor third-party ratings aren't necessarily a sign of a bad insurance company, they may be indications that you should do additional research before purchasing a policy from a company.

• As a fully digital insurance company, Esurance policyholders may be interested in the company's digital tool reviews. The Esurance app is highly rated by users, with 4.8 out of 5 stars from iOS users and 4.3 out of 5 stars from Google Play users.

• To assess customer and claims service, our insurance editorial team analyzes data from J.D. Power and the NAIC. J.D. Power conducts studies on auto and home insurance satisfaction, with carriers ranked and assigned a score out of 1,000. The NAIC tracks complaints filed against insurance companies and their specific product lines. The NAIC Complaint Index has a baseline of 1.00. An index above 1.00 indicates a company has received more complaints than expected.

• Lastly, we look at financial strength ratings from AM Best to assess a company's historical ability to pay claims.

• Esurance customer complaints 

• Esurance has a financial strength rating of A+ (Excellent) from AM Best due to its parent company Allstate, but it has more complaints than expected logged with the NAIC. Esurance is not included in recent J.D. Power studies, but its parent company, Allstate, is ranked above average in the 2023 U.S. Auto Claims Satisfaction Study with a score of 882. In the more general 2023 U.S. Auto Insurance Study, Allstate's ranking ranges widely depending on the region.

• Esurance's homeowners NAIC Complaint Index indicates that it has slightly more complaints than expected for a company of its size. However, it received its best score in 2022, showing steady improvement. Esurance is not rated by J.D. Power for property claims satisfaction, but Allstate came in below average in both the 2023 U.S. Home Insurance Study and the 2023 U.S. Property Claims Satisfaction Study.

• Other Esurance tools and benefits

• In addition to auto and home insurance, Esurance offered two other policy types when it was issuing new policies:

• Frequently asked questions about Esurance

• Is Esurance a sustainable company?

• While Esurance does not disclose its corporate sustainability initiatives online, it does reference sustainability commitments. For example, all E-Star repair facilities must meet company and EPA environmental standards. The carrier's parent company, Allstate, has a variety of environmental and social responsibility initiatives too, including The Allstate Foundation, which focuses on empowering youth, ending domestic violence, promoting racial equality and developing nonprofit leaders. The foundation achieves its goals through donations, partnerships with other organizations and its own curriculum and programs.

• While Esurance does not disclose its corporate sustainability initiatives online, it does reference sustainability commitments. For example, all E-Star repair facilities must meet company and EPA environmental standards. The carrier's parent company, Allstate, has a variety of environmental and social responsibility initiatives too, including The Allstate Foundation, which focuses on empowering youth, ending domestic violence, promoting racial equality and developing nonprofit leaders. The foundation achieves its goals through donations, partnerships with other organizations and its own curriculum and programs.

• How do you file a claim with Esurance?

• You can start a new Esurance claim online or through the mobile app. You can also call the company to file a claim at 1-800-378-7262. To make sure the process goes smoothly, have as much information about the incident on hand as possible. Some details you will need to provide your claims agent include the name and contact information for all drivers, passengers and witnesses involved in the accident, the time of day and location of the incident and if anyone was issued a traffic citation.

• You can start a new Esurance claim online or through the mobile app. You can also call the company to file a claim at 1-800-378-7262. To make sure the process goes smoothly, have as much information about the incident on hand as possible. Some details you will need to provide your claims agent include the name and contact information for all drivers, passengers and witnesses involved in the accident, the time of day and location of the incident and if anyone was issued a traffic citation.

• Does Esurance pay out claims?

• Yes, Esurance is financially backed by Allstate and has the funds available to pay out potential claims. Claims are still processed by Esurance at this point, without much difference in service. Esurance also has an AM Best financial strength rating of A+ (Superior), which is a reflection of its financial strength and ability to meet its obligations.

• Yes, Esurance is financially backed by Allstate and has the funds available to pay out potential claims. Claims are still processed by Esurance at this point, without much difference in service. Esurance also has an AM Best financial strength rating of A+ (Superior), which is a reflection of its financial strength and ability to meet its obligations.

• What will happen with my Esurance policy?

• Although Esurance no longer writes new policies, if your policy was issued before March 2023, it will continue to be serviced by Esurance. Eventually, when your policy renews, Allstate will most likely offer you the option to switch your policy to Allstate, National General or Encompass. If you're not satisfied with your Esurance policy or alternative options from Allstate, you can shop around for auto insurance with other providers.

• Although Esurance no longer writes new policies, if your policy was issued before March 2023, it will continue to be serviced by Esurance. Eventually, when your policy renews, Allstate will most likely offer you the option to switch your policy to Allstate, National General or Encompass. If you're not satisfied with your Esurance policy or alternative options from Allstate, you can shop around for auto insurance with other providers.

• If you decide you no longer want Esurance as your car insurance carrier, canceling is a simple process. As long as you are the policyholder, you can contact your Esurance agent directly or call the customer service line at 1-800-478-7262 to cancel your policy. If you’re terminating your policy early, you may be charged a cancellation fee, which is typically 10 percent of the remaining premium balance.

• If you decide you no longer want Esurance as your car insurance carrier, canceling is a simple process. As long as you are the policyholder, you can contact your Esurance agent directly or call the customer service line at 1-800-478-7262 to cancel your policy. If you’re terminating your policy early, you may be charged a cancellation fee, which is typically 10 percent of the remaining premium balance.

• Esurance was founded in 1999 and acquired by Allstate in 2011. In 2019, Allstate announced it planned to retire Esurance and had plans to transfer existing policies to Allstate’s subsidiary companies. As of 2023, Esurance is still part of Allstate, but it no longer writes new insurance policies. Existing policies continue to be backed by Allstate.

• Esurance was founded in 1999 and acquired by Allstate in 2011. In 2019, Allstate announced it planned to retire Esurance and had plans to transfer existing policies to Allstate’s subsidiary companies. As of 2023, Esurance is still part of Allstate, but it no longer writes new insurance policies. Existing policies continue to be backed by Allstate.

• Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Auto insurance rates are weighted based on the population density in each geographic region.

• Auto

• Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

• These are sample rates and should only be used for comparative purposes.

• Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

• The rates for drivers ages 16-20 added to their parent's policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

• Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

• Homeowners

• Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

• The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

• These are sample rates and should be used for comparative purposes only. Your quotes will differ.

• Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Auto insurance rates are weighted based on the population density in each geographic region.

• Auto

• Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

• To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

• These are sample rates and should only be used for comparative purposes.

• Age: Rates were calculated by evaluating our base profile with the ages 16-60 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts.

• The rates for drivers ages 16-20 added to their parent's policy reflect the good student and driver's training discounts applied. The rates for drivers aged 16-20 on their own policy do not include the good student and driver's training discounts. Additionally, 25-year-old rates are based on the driver as a renter and 30+ on the driver as a homeowner.

• Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), single speeding ticket and single at-fault accident.

• Homeowners

• Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:

• The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

• These are sample rates and should be used for comparative purposes only. Your quotes will differ.

• Auto Bankrate Score

• Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

• Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

• Home Bankrate Score

• Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

• Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

• Auto Bankrate Score

• Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

• Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

• Home Bankrate Score

• Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

• Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlight where they fall short.

• Shannon Martin is a licensed insurance agent and Bankrate analyst with over 15 years of experience in the industry. She enjoys helping others navigate the insurance world by cutting through complex jargon and empowering readers to make strong financial decisions independently.

• Amelia Buckley is an insurance editor for Bankrate, covering auto, home and life insurance. She emphasizes creating informative, engaging and nuanced content to support readers in making personalized insurance decisions with confidence.

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