USAA vs Esurance: Which is Better for You?
Compare rates from the top car insurance companies in your area.
USAA or Esurance: Which company is best for you?
USAA and Esurance are two of the biggest names in insurance, with an advertising reach to match. Chances are you've seen more than one commercial from either in the past month. USAA was founded in 1922, while Esurance was founded in 1999. Both are widely-trusted companies, but which has the discounts, services, and customer ratings that matter most to you? See how they stack up below.
| Discount Comparison | USAA | Esurance |
|---|---|---|
| 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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| Anti-Lock Brake System |
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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 | ||
| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum |
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| Advanced Purchase | ||
| Pay in Full |
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| Home Owner |
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| eSign or ePay | ||
| Telematics |
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| New Vehicle |
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| Annual Mileage |
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| Military |
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| Ratings Comparison | USAA | Esurance |
|---|---|---|
| Financial Strength | Superior | Superior |
| JD Power Rankings | Excellent | N/A |
| User Satisfaction | 4.6/5 | 4.6/5 |
| Other Products | USAA | Esurance |
|---|---|---|
| Boat Insurance |
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| Condo Insurance |
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| Life Insurance |
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| Homeowners Insurance |
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| Travel Trailer Insurance |
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| Renters Insurance |
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| RV Insurance |
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| Motorcycle Insurance |
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| Mobile Home Insurance |
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| Other Features | USAA | Esurance |
|---|---|---|
| About | USAA is known for their award-winning service, distinguished products and making their customers' needs a priority. | From car insurance to homeowners, motorcycle, and renters coverage, Esurance will be there for you from quote to claim with lightning-fast claims and proven financial strength. |
| 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. | Esurance's Emergency Roadside Service will pay up to $75 towards roadside services including towing assistance, tire changes, gas, oil, and water delivery, battery service and lockout service. You may need to have comprehensive and collision coverage as a prerequisite to add this coverage to your policy. |
| 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. | Esurance offers an additional discount for customers who have obtained emergency road assistance from a provider other than Esurance (such as AAA or the National Automobile Club). |
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