USAA vs. Esurance: Discounts, quotes, and comparison

USAA vs. Esurance

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Trying to decide between USAA and Esurance? It’s time to compare the insurers and find the right one for you.

USAA is a longstanding company that’s been around since 1922. But although it’s one of the largest auto insurers in the United States, it’s only open to military members and their families. Esurance, meanwhile, is open to all consumers.

  • Customized coverage
  • 24/7 claims service
  • Convenient mobile app

Our top pick: Esurance

Convenient online quotes, coverage and claims for tech-savvy drivers.

  • Online quotes in minutes
  • Competitive pricing
  • A+ BBB rating
USAA

USAA

Esurance

Esurance

About the provider Operating since 1922, USAA is a company that deals primarily with military members and their families. It offers a wide array of products ranging from car insurance, homeowners insurance, banking, investing and more. 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.
Price Policy costs depend your personal situation. Visit USAA 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 served All 50 states 43 states
User satisfaction* A+ A+
J.D. Power ratings** 5/5 on overall claims satisfaction 3/5 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

USAA

USAA

Esurance

Esurance

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 good driving record for more than 5 years 30-40% (driving for 3 years with 0-1 points on your driving record)
Pay in full discount
Multicar
Military
Homeowner
Other discounts Annual mileage discount – Only for those over the age of 29

Driver training discount – For drivers under 21


Vehicle discounts

USAA

USAA

Esurance

Esurance

Anti-theft device 5-25%
Anti-lock brake 5%
Passive restraints N/A 2-33%
Air bag
Other discounts New vehicle discount – Vehicles under 3 years old

Vehicle storage – Up to 60% (only for stored cars being insured)

New vehicle discount

Bottom line

If you’re neither a member of the military or in the family of someone who is, you won’t be eligible to join USAA. If that’s the case, Esurance may be the default winner in this two-company contest. Keep in mind, however, that it operates only in 40 US states (USAA operates in all 50).

Both companies earn high marks from the Better Business Bureau. However, USAA wins hands-down in claims satisfaction. It nabs a stellar five-out-of-five grade from J.D. Power, while Esurance earns only three out of five. Both insurers offer a wealth of discounts: good-student, defensive-driver, good-driver, multi-car and more.

Compare your car insurance options to find the best insurance company for you.

Compare alternatives to USAA and Esurance

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
Geico
Optional
26%
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The Hartford
Optional
Yes
All states except AK, HI, LA, MI, RI
Enjoy benefits including rate lock, no-drop policies and accident recovery. Exclusively for drivers 50+.
Metromile
Optional
49%
AZ, CA, IL, NJ, OR, PA, VA, WA
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
Root
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
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
Clearcover
Optional
No
AZ, CA, IL, UT
Find basic coverage and low rates through its easy online or app-based experience.
Gabi
Optional
Optional
55%
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
Allstate
13%
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.

Compare up to 4 providers

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