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USAA vs. Esurance: Discounts, quotes, and comparison

USAA vs. Esurance

Updated

Fact checked

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.

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
 

USAA

Esurance

OVERVIEW

OVERVIEW
About the provider
About the brand Affordable car insurance with highly rated customer service for military members and their families. Only available to military members, veterans and affiliated military members. Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
States served
States served All 50 states All states except AK, DE, HI, MT, NH, VT, WY

COVERAGE

COVERAGE
Roadside assistance
Roadside assistance Optional Included free
New car protection
New car protection No Yes
Accident forgiveness
Accident forgiveness Yes No
Rideshare coverage
Rideshare coverage Yes Yes
SR-22 insurance
SR-22 insurance Yes
Yes
Claims methods
Claims methods Online
Phone
Online
Phone
In-person
Payment schedule
Payment schedule 12 months
6 months
custom
12 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
Military discount
Military discount Yes Yes
Multi car discount
Multi car discount Yes Yes
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
Special employment discount
Special employment discount Yes No
Student discount
Student discount Yes Yes
Usage based discount
Usage based discount Yes No
Learn more
Learn more

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
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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