Disclosed is an electrical steel sheet with an insulating coating formed by applying a surface-treatment agent to at least one surface of the electrical steel sheet and drying the surface-treatment agent, wherein the surface-treatment agent contains: certain trialkoxysilane and/or dialkoxysilane (A); a silane coupling agent (B) that does not contain a polymerizable unsaturated group in its structure; plate-like silica (C); a polymerizable unsaturated-group-containing compound (D); and water, within a range satisfying the following conditions (1) to (3): (1) a mass ratio (A/B) of (A) to (B) is from 0.05 to 1.00; (2) a content of (C) is 2 mass % to 30 mass % with respect to a total mass of (A) to (D) in the surface-treatment agent; and (3) a content of (D) is 2 mass % to 18 mass % with respect to the total mass of (A) to (D) in the surface-treatment agent.