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USAA vs. Esurance: Discounts, quotes, and comparison
USAA vs. Esurance
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.
- 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
|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|
|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
New vehicle discount – Vehicles under 3 years old
Vehicle storage – Up to 60% (only for stored cars being insured)
|New vehicle discount|
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.
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