USAA vs. Esurance: Discounts, quotes, and comparison

USAA vs. Esurance: Discounts, quotes, and comparison

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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.

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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.

Find the cheapest rates

Compare the best car insurance companies near you.

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