AAA vs Esurance Car Insurance

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2,700 Reviews

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Last Updated: January 2022

Ratings

Insurify Composite Score

AAA
85
What is this?

Insurify Composite Score

Esurance
94
What is this?

Insurify Composite Score

AAA VS Esurance
85
94
What is this?
User Ratings
OptionsAAA Esurance
Rating/Reviews
411 reviews
4,728 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA Esurance
Call Center RepresentativeThe restAmong the best
Insurer WebsiteThe restAbout average
Local AgentBetter than most--
Overall SatisfactionAbout averageAbout average
Policy OfferingsAbout averageAbout average
PricingAbout averageAbout average
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA Esurance
Claim ServicingAbout averageAbout average
Estimation ProcessThe restAbout average
First Notice of Loss (FNOL)The restAbout average
Overall SatisfactionAbout averageAbout average
Rental ExperienceAbout averageAbout average
Repair ProcessBetter than mostThe rest
SettlementAbout averageAbout average
J.D. Power Ratings by Region (out of 1000)
RegionAAA Esurance
California840 pt
Better than most
818 pt
About average
Central833 pt
Better than most
--
Florida--826 pt
About average
North Central808 pt
The rest
799 pt
The rest
Texas821 pt
About average
--
Mobile App Ratings
RegionAAA Esurance
Android
24,330 Reviews
4,165 Reviews
iOS
737 Reviews
108 Reviews
Financial Ratings
OptionsAAA Esurance
A.M. BestAA+

Auto Insurance Quotes

For Married Drivers

CityAAA Esurance
Austin--$84
Chicago--$76
Philadelphia--$104
Phoenix--$75
Santa Monica--$67

For Single Drivers

CityAAA Esurance
Austin--$81
Chicago--$80
Philadelphia--$108
Phoenix--$82
Santa Monica--$106

For Male Drivers

CityAAA Esurance
Austin--$85
Chicago--$81
Philadelphia--$105
Phoenix--$81
Santa Monica--$105

For Female Drivers

CityAAA Esurance
Austin--$80
Chicago--$75
Philadelphia--$107
Phoenix--$75
Santa Monica--$68

For Drivers with Speeding Ticket

CityAAA Esurance
Austin--$95
Chicago--$102
Philadelphia--$127
Phoenix--$94
Santa Monica--$131

For Drivers with No Speeding Ticket

CityAAA Esurance
Austin--$80
Chicago--$73
Philadelphia--$103
Phoenix--$75
Santa Monica--$77

For Drivers Age Between 18-40

CityAAA Esurance
Austin--$79
Chicago--$77
Philadelphia--$108
Phoenix--$78
Santa Monica--$118

For Drivers Age Between 40-65

CityAAA Esurance
Austin--$79
Chicago--$72
Philadelphia--$98
Phoenix--$72
Santa Monica--$63

For Drivers Age of 65+

CityAAA Esurance
Austin--$112
Chicago--$101
Philadelphia--$130
Phoenix--$102
Santa Monica--$57

For Drivers with Average Credit

CityAAA Esurance
Austin--$82
Chicago--$81
Philadelphia--$114
Phoenix--$80
Santa Monica--$78

For Drivers with Fair Credit

CityAAA Esurance
Austin--$96
Chicago--$84
Philadelphia--$125
Phoenix--$83
Santa Monica--$73

For Drivers with Good Credit

CityAAA Esurance
Austin--$79
Chicago--$74
Philadelphia--$100
Phoenix--$74
Santa Monica--$70

For Drivers with Excellent Credit

CityAAA Esurance
Austin--$73
Chicago--$72
Philadelphia--$86
Phoenix--$76
Santa Monica--$125

Quotes & Discounts

Discount typeAAA Esurance
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%--
teenSMARTUp to 24%--
Good DriverUp to 20%Up to 40%
Anti-Theft DeviceUp to 17%Up to 25%
Good StudentUp to 14.5%Up to 10%
Multiple VehicleUp to 12.5%Up to 5%
Multiple PolicyUp to 11.8%Up to 15%
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%Up to 10%
Current insuranceUp to 5%--
LoyaltyUp to 5%--
Affinity groupVaries--
Anti-lock BrakeVariesUp to 5%
Driving trainingVaries--
Home OwnerVariesVaries
Low MileageVaries--
Original OwnerVaries--
Accident Free--Up to 25%
Alumni--Up to 15%
Defensive Driver--Up to 10%
Driving Habits--Up to 5%
Organization--Up to 5%
Passive Restraint--Up to 33%
Prepay--Up to 10%
Provider Switch--Up to 5%
Roadside Assistance--Up to 5%
Signing documents when you buy online--Varies
Starting your auto quote online--Up to 5%

Payment Methods

Discount typeAAA Esurance
Automatic Online Payment
yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mobile App Payments
--yes
Online Payment
yes--

Features and Services

Features and ServicesAAA Esurance
24/7 serviceyesyes
Enhanced towing & substitute coverageyes--
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyesyes
Roadside assistanceyes--

Optional Coverages

Optional CoveragesAAA Esurance
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yes--
First Aid Reimbursement
yes--
Gap Insurance
yesyes
Glass Coverage yes--
Incident Forgiveness
--yes
Loss of Use Coverage
--yes
Mechanical Breakdown Insurance
yesyes
New Car Replacement Coverage
yes--
Original Equipment Manufacturer Coverage
--yes
Pet Coverage
yes--
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Uber and Lyft driver insurance

  • AAA
  • Esurance
  • Both

SR‌-22 Insurance by State

  • AAA
  • Esurance
  • Both

Compare Insurance Products

ProductAAA Esurance
ATV InsuranceATV Insurance--yes
Car InsuranceCar Insuranceyesyes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insurance--yes
Cell Phone InsuranceCell Phone Insurance--yes
Classic Car InsuranceClassic Car Insurance--yes
Commercial InsuranceCommercial Insurance--yes
Condo InsuranceCondo Insurance--yes
Flood InsuranceFlood Insurance--yes
Health InsuranceHealth Insurance--yes
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Motorcycle InsuranceMotorcycle Insurance--yes
Pet InsurancePet Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Snowmobile insuranceSnowmobile insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • AAA Reviews
  • Esurance Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.