USAA vs. Esurance

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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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported
Anti-Lock Brake System supported
Air Bags supported
Good Driver supported supported
Defensive Driver supported supported
Student Away at School
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported
Home Owner supported
eSign or ePay
Telematics supported supported
New Vehicle supported supported
Annual Mileage supported
Military supported
Ratings Comparison USAA Esurance
Financial Strength Question mark icon Superior Superior
JD Power Rankings Question mark icon Excellent N/A
User Satisfaction Question mark icon 4.6/5 4.6/5
Other Products USAA Esurance
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported
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).
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.
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Can Esurance deny a refund if I forgot to cancel my policy when I switched to a new company?
This sounds like an company issue and not a state law. Insurance companies in Illinois are legally required to issue refunds for "unearned premium", but you didn't prepay your bill.
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