Esurance vs. AAA: Which provider is better?

AAA vs. Esurance

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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.

  • CoverageMyWay® customized coverage
  • 24/7 claims service
  • Convenient mobile app

Our top pick: Esurance

Esurance offers a modern online and mobile experience that helps you take your insurance on the go. Available in 42 states.

  • First-rate site with quotes in minutes
  • Competitive pricing
  • A+ BBB rating
Esurance

Esurance

AAA

AAA

About the provider 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. AAA 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.
Price Policy costs depend your personal situation. Visit Esurance for a quote based on your specific needs. Policy costs depend your personal situation. Visit AAA for a quote based on your specific needs.
States served 43 All 50 states
User satisfaction* A+ N/A
J.D. Power ratings** 3/5 on overall claims satisfaction 2/5 on overall claims satisfaction
Driver discounts View driver discounts View driver discounts
Vehicle discounts View vehicle discounts View vehicle discounts


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


Driver discounts

Esurance

Esurance

AAA

AAA

Good student Up to 10% (full time student, under the age of 25 and a 3.0 GPA)
Defensive driver Up to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good driver 30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discount
Multicar
Military
Homeowner
Other discounts Low annual mileage

Purchase in advanced


Vehicle discounts

Esurance

Esurance

AAA

AAA

Anti-theft device 5-25%
Anti-lock brake 5%
Passive restraints 2-33% N/A
Air bag
Other discounts New vehicle discount New vehicle discount

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
Optional
30%
All 50 states
Save up to 31% with safe driver discounts and bundling all your rides in one convenient policy.
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Only pay for how much you drive with the Metromile app. Get rates from $29/month plus pennies per mile.
52%
AZ, AR, CA, CO, CT, DE, GA, IL, IN, IA, KY, LA, MD, MS, MT, MO, NE, NM, ND, NV, OH, OK, OR, PA, SC, TN, TX, UT, VA
Root offers simple, affordable insurance that’s ideal for good drivers. Try the Root app for 2 weeks and see how much you could save.
Optional
26%
All 50 states
It's quick and easy to get an online quote with Geico, and you might be surprised at how much you could save.
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy special benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Optional
30%
All 50 states
Enjoy premium perks like better car replacement and accident forgiveness plus local agent support.
Optional
Optional
55%
All 50 states
Get free quotes from top insurers for the exact coverage you need in minutes.
Optional
No
AZ, CA, IL, UT
A new company with a minimalist approach to insurance. Find basic coverage, low rates and online-based service.

Compare up to 4 providers

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