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.
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.
| 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 |
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.
| 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 |
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..
| 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 |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | USAA | Erie |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Excellent | Excellent |
| User Satisfaction | 4.6/5 | 4.6/5 |
| Other Products | USAA | Erie |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | USAA | Erie |
|---|---|---|
| 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 |
Am I covered for an accident if my policy had lapsed while without an Uber passenger?
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
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Will Erie reinstate my policy after non-payment?
It's very likely they will reinstate your policy if you pay the amount past due and any potential fees associated with the cancellation. Because each company has their own administrative rules regarding reinstatement, it's very likely for you to be able to get your policy active again.
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