Esurance vs. AAA: Which provider is better? |

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

Esurance vs. AAA: Which provider is better?

AAA vs. Esurance


Fact checked

Our top pick: AAA

  • Roadside assistance
  • Member benefits
  • Excellent customer service
Get quotes

Not everyone realizes AAA provides car insurance in addition to roadside assistance and travel discounts. If you’re considering AAA and Esurance for coverage, you already knew that.

Both providers offer driver and vehicle discounts, which help to bring down the cost of car insurance. And both have a good record for customer service. But they also have their differences.

While AAA is a long-established brick and mortar company, Esurance operates strictly online and is a newcomer to the insurance game. It is respected for its low rates and excellent customer service, but some customers complain of hidden costs.

With AAA, you’re required to be a member, which adds to the cost of your insurance. But with that membership come perks like roadside assistance, trip planning and travel discounts.

Still not sure if AAA or Esurance is right for you? We’ve gathered the rest of the details you need on each provider below so you’ll have the info you need to make your decision.




About the provider
About the brand Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs. Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
States served
States served All states except AK, DE, HI, MT, NH, VT, WY AK, AZ, CA, MT, NV, UT and WY


Roadside assistance
Roadside assistance Included free Included free
New car protection
New car protection Yes Yes
Accident forgiveness
Accident forgiveness No Yes
Rideshare coverage
Rideshare coverage Yes No
SR-22 insurance
SR-22 insurance Yes
Claims methods
Claims methods Online
Payment schedule
Payment schedule 12 months
12 months
6 months


Anti-theft device discount
Anti theft device discount Yes Yes
Bundling discount
Bundling discount Yes Yes
Home owner discount
Home owner discount Yes Yes, up to 37%
Military discount
Military discount Yes No
Multi car discount
Multi car discount Yes Yes, up 27%
Paid in full discount
Paid in full discount Yes Yes
Safety device discount
Safety device discount Yes Yes
Safe driver discount
Safe driver discount Yes Yes, up to 20%
Special employment discount
Special employment discount No No
Student discount
Student discount Yes Yes, up to 14%
Usage based discount
Usage based discount No No
Learn more
Learn more

Bottom line

If you’re seeking the extra benefits that come with a AAA membership, getting insurance through AAA might be the best choice for you. But if cost is what is most important, Esurance might be the way to go. Compare your car insurance options to find the best insurance company for you.

Compare alternatives to Esurance and AAA

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
The AARP Auto Insurance Program from The Hartford
All 50 states
Enjoy low rates for mature drivers, plus freebies and AARP member perks like free replacement cost coverage. Only for drivers over age 50.
Available in 30 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
Liberty Mutual
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.

Compare up to 4 providers

More guides on Finder

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site