Esurance vs. AAA: Which provider is better?

Esurance vs. AAA: Which provider is better?

AAA vs. Esurance

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.

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AAAAAAesuranceEsurance
AboutAAA is a non-profit that has been serving motorists for over 100 years. With nearly 55.6 million members, the elite federation of motor clubs is known for its roadside assistance, discounts and rewards, and hands -on customer service.Esurance, the online insurance company, is making its name known in the car insurance world, offering affordable coverage for just about any of your vehicles. It takes pride in a hassle-free experience, and customers respect its low rates and excellent customer service.
PricePolicy costs depend your personal situation. Visit AAA for a quote based on your specific needs.Policy costs depend your personal situation. Visit Esurance for a quote based on your specific needs.
States servedAll 50 states43
User satisfaction*N/AA+
J.D. Power ratings**2/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discounts
Vehicle discountsView vehicle discounts

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* Based on Better Business Bureau’s company rating
** Based on the 2016 U.S Auto Claims Satisfaction Study


Driver discounts

AAAAAAesuranceEsurance
Good studentYesUp to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driverYesUp to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driverNo30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discountYesYes
Multi carYesYes
MilitaryNoNo
HomeownerYesYes
Other discounts
  • Low annual mileage
  • Purchase in advanced

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Vehicle discounts

AAAAAAesuranceEsurance
Anti-theft deviceYes5-25%
Anti-lock brakeNo5%
Passive restraintsN/A2-33%
Air bagYesYes
Other discounts
  • New vehicle discount
  • New vehicle discount

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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 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

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