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Esurance vs. AAA: Which provider is better?

AAA vs. Esurance

Updated

Fact checked

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.

Our top pick: Esurance

Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.

  • Online quotes in minutes
  • Competitive pricing
  • Mobile claims filing
  • Customized coverage
  • 24/7 claims service
  • Convenient mobile app
 

Esurance

AAA

OVERVIEW

OVERVIEW
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.
States served
States served All states except AK, DE, HI, MT, NH, VT, WY All 50 states

COVERAGE

COVERAGE
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
Yes
Claims methods
Claims methods Online
Phone
In-person
online
email
phone
Payment schedule
Payment schedule 12 months
monthly
12 months
6 months
monthly

DISCOUNTS

DISCOUNTS
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
Progressive
Optional
30%
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.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Car Insurance Finder
Optional
Optional
Yes
All 50 states
Get your customized online car insurance quote from top brands near you. Answer 3 easy questions to see your top picks in seconds.
Assurance
Optional
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
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