USAA vs. Esurance: Discounts, quotes, and comparison

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.

Compare 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

USAA

USAA

Esurance

Esurance

About the providerOperating 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.
PricePolicy 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 servedAll 50 states43 states
User satisfaction*A+A+
J.D. Power ratings**5/5 on overall claims satisfaction3/5 on overall claims satisfaction
Driver discountsView driver discountsView driver discounts
Vehicle discountsView vehicle discountsView vehicle discounts

Read Review

Read Review


* 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 driverUp to 10% (minimum age 50, 55 or 60, depending on state residence and completed a defensive driving course)
Good drivergood driving record for more than 5 years30-40% (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

Read Review

Read Review


Vehicle discounts

USAA

USAA

Esurance

Esurance

Anti-theft device5-25%
Anti-lock brake5%
Passive restraintsN/A2-33%
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

Read Review

Read Review

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 7+ car insurance quotes at once

Enter your ZIP code below and click Compare Now to start comparing and finding the best rate near you.

Your information is secure.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Go to site