Picking an auto insurance company is difficult: companies' rates differ by driving history, age, and location, and every company provides a different set of discounts. USAA and Erie are two of America's most popular insurance companies, providing competitively priced insurance policies in most states.
In an effort to simplify the process of comparing insurance companies, we gathered average costs from Erie and USAA. These rates cover a number of pricing factors, including credit rating, driving record, and age. Take a look at these rates and find an affordable policy today.
If you have very bad credit, Erie could be the best option for you. On average, Erie offers cheaper rates than USAA for drivers with credit scores of 579 or less. Drivers with outstanding credit — a score of 800 or better — should favor View average insurance rates by credit score for Erie and USAA:
|Credit score||USAA avg. annual premium||Erie avg. annual premium|
|Very Poor (300-579)||$2,682||$2,402|
|Very Good (740-799)||$910||$743|
If you're dealing with an at-fault accident, ticket, reckless driving violation, or DWI in your recent history, Erie could be a better choice than USAA. Every auto insurance company will handle driving offenses differently, so it's worth comparing quotes to understand 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|
Insurance companies rely on age to outline potential risk, pricing policies accordingly. An insurance policy is typically more expensive for teen drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company rates age brackets in a different way, it's worth shopping around and finding the best rate for you.
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 bracket||USAA avg. annual premium||Erie avg. annual premium|
Aside from affordability, USAA and Erie both have pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||5 out of 5||5 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|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 additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members 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||Can my brother use his insurance for damage he caused to my vehicle?|
Agree to be paid out of pocket with driver with no license
I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...
Can I get USAA insurance from son in law
My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...
Does USAA membership extend to grandchildren
My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...
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|Will Erie reinstate my policy after non-payment?|
I was injured in a car accident two months ago, can I still file a claim?
I have had Erie for 31 years..2 home owners and also auto...
How long can an insurance company wait to pay out your claim?
I was rear ended and didn’t go to the hospital. That was two months ago. Now I can barely walk. ...
If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?
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Someone dented the hood of my car by standing on it. I got a repair estimate of $500 and the ...
|Compare More||USAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||Erie vs. 21st Century Erie vs. Allied Erie vs. Allstate Erie vs. American Family Erie vs. Amica Mutual Insurance Erie vs. Auto Club (AAA) Erie vs. Esurance Erie vs. Farm Bureau Mutual Erie vs. Farmers Erie vs. Foremost Erie vs. GEICO Erie vs. Infinity Erie vs. Liberty Mutual Erie vs. Mercury Erie vs. MetLife Erie vs. Nationwide Erie vs. North Star Mutual Erie vs. Progressive Erie vs. SAFECO Erie vs. Safe Auto Erie vs. State Farm Erie vs. The General Erie vs. The Hartford Erie vs. Titan Erie vs. Travelers|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Illinois Indiana Kentucky Maryland New York North Carolina Ohio Pennsylvania Tennessee Virginia|
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