USAA or Erie: Which Company is Best for You?
Selecting a car insurance company is difficult: rates vary based on your driving record, location, and age, and companies offer an array of discounts. USAA and Erie are two of the most popular car insurance companies, selling competitively priced coverage across large portions of the US.
In an effort to make insurance shopping seamless, we've collected average rates from Erie and USAA. The below cover a variety of rating factors, including credit rating, driving history, and age. Compare rates and find your next car insurance policy today.
Seeking additional insights? Consult our comprehensive reviews of USAA and Erie.
USAA vs. Erie: insurance rate comparison
USAA vs. Erie: prices by credit level
If you have very poor credit, Erie could be a better option for you. On average, Erie offers lower rates than USAA for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or better — should lean toward View common insurance rates by credit tier for Erie and USAA below.
RATES BY CREDIT SCORE: ERIE VS. USAA
| Credit score | USAA avg. annual premium | Erie avg. annual premium |
| Very Poor (300-579) | $2,682 | $2,402 |
| Fair (580-669) | $1,247 | $1,040 |
| Good (670-739) | $1,057 | $894 |
| Very Good (740-799) | $910 | $743 |
| Exceptional (800-850) | $840 | $726 |
USAA vs. Erie: high-risk insurance rates
If you are saddled with an at-fault crash, speeding ticket, reckless driving violation, or DUI in your rear view mirror, Erie could be a better choice than USAA. Every insurer prices policies differently after a violation, so it's worth comparing quotes to find out which insurer is best for you.
RATES BY CITATION: ERIE VS. USAA
| Violation | USAA avg. annual premium | Erie avg. annual premium |
| At-fault accident (damage < $1,000) | $1,304 | $893 |
| At-fault accident (damage > $1,000) | $947 | $772 |
| DUI/DWI | $1,952 | $1,163 |
| Reckless driving | $1,472 | $760 |
| Speeding ticket | $1,124 | $747 |
USAA vs. Erie: rates by age bracket
Auto insurance companies use a driver's age to outline risk potential, assigning rates on a sliding scale. Insurance is usually most expensive for teen drivers — due to their inexperience — and more affordable for drivers aged 25 or older. Because each insurance company rates ages uniquely, it's wise to compare rates and find great coverage.
As a general rule, teen drivers should choose Erie over USAA: the former's average annual rates are $626 less than the latter's..
RATES BY AGE: ERIE VS. USAA
| Age | USAA avg. annual premium | Erie avg. annual premium |
| Teens | $2,864 | $2,238 |
| 20s | $1,261 | $1,108 |
| 30s | $963 | $1,108 |
| 40s | $957 | $755 |
| 50s | $889 | $692 |
| 60s | $845 | $676 |
Aside from finances, USAA and Erie each come with pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Be sure to shop around before settling on an option.
| Discount Comparison | USAA | Erie |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Anti-Theft Device(s) |
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| Air Bags |
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| Good Driver |
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| Defensive Driver |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
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| Pay in Full |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle |
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| Ratings Comparison | USAA | Erie |
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| Financial Strength | Superior | Superior |
| JD Power Rankings | Excellent | Excellent |
| User Satisfaction | 4.6/5 | 4.6/5 |
| Other Products | USAA | Erie |
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| Other Features | USAA | Erie |
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| About | USAA is known for their award-winning service, distinguished products and making their customers' needs a priority. | Erie Insurance provides customers with the flexibility to customize their car insurance by offering over 30 extra policy features, along with the highest levels of customer service. |
| Roadside Assistance | 24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence. | Erie provides 24-hour roadside assistance for an additional fee on your policy that covers reasonable auto towing and required labor cost at the site of your vehicle breakdown. |
| Additional Discounts | USAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance. | Erie offers an additional discount called "Reduced Usage" that provides a lower rate on your policy if your vehicle is unused for 90 consecutive days during the policy period. |
| Recent Questions |
Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. USAA eligibility flows "downstream" — so descendants, i.e.
Can I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established member to get a policy. Meaning, you aren't eligible to get your own policy away from your son-in-law.
Does USAA membership extend to grandchildren
From my knowledge, your parent's would also have to be members in order for you to qualify. But, as I'm not an agent for USAA, I would call them and speak to an insurance agent directly.
Does my son-in-law's status as a Marine qualify me as USAA member?
USAA membership extends to spouses, children, and possibly parents. Assuming your child (who is married to your son-in-law) is on the membership as well, you may be able to qualify.
See More Questions
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