Ratings
User Ratings
| Options | Electric Insurance | USAA |
|---|---|---|
| Rating/Reviews |
12 reviews
|
1,402 reviews
|
Mobile App Ratings
| Brand | Electric Insurance | USAA |
|---|---|---|
| iOS |
--
|
3,600 reviews
|
| Android |
--
|
98,577 reviews
|
Auto Insurance Quotes
For Married Drivers
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $48 |
| Chicago | -- | $46 |
| Philadelphia | -- | $31 |
| Phoenix | -- | $38 |
| Los Angeles | -- | $49 |
For Single Drivers
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $61 |
| Chicago | -- | $69 |
| Philadelphia | -- | $41 |
| Phoenix | -- | $57 |
| Los Angeles | -- | $88 |
For Male Drivers
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $55 |
| Chicago | -- | $59 |
| Philadelphia | -- | $37 |
| Phoenix | -- | $52 |
| Los Angeles | -- | $81 |
For Female Drivers
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $54 |
| Chicago | -- | $56 |
| Philadelphia | -- | $34 |
| Phoenix | -- | $43 |
| Los Angeles | -- | $56 |
For Drivers with a Speeding Ticket
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $72 |
| Chicago | -- | $84 |
| Philadelphia | -- | $44 |
| Phoenix | -- | $68 |
| Los Angeles | -- | $114 |
For Drivers with No Speeding Ticket
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $50 |
| Chicago | -- | $52 |
| Philadelphia | -- | $35 |
| Phoenix | -- | $43 |
| Los Angeles | -- | $59 |
For Drivers Age Between 18-40
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $61 |
| Chicago | -- | $71 |
| Philadelphia | -- | $41 |
| Phoenix | -- | $58 |
| Los Angeles | -- | $95 |
For Drivers Age Between 40-65
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $43 |
| Chicago | -- | $42 |
| Philadelphia | -- | $28 |
| Phoenix | -- | $34 |
| Los Angeles | -- | $48 |
For Drivers Age of 65+
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $71 |
| Chicago | -- | $66 |
| Philadelphia | -- | $46 |
| Phoenix | -- | $56 |
| Los Angeles | -- | $48 |
For Drivers with Average Credit
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $59 |
| Chicago | -- | $67 |
| Philadelphia | -- | $41 |
| Phoenix | -- | $51 |
| Los Angeles | -- | $67 |
For Drivers with Fair Credit
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $56 |
| Chicago | -- | $55 |
| Philadelphia | -- | $36 |
| Phoenix | -- | $46 |
| Los Angeles | -- | $54 |
For Drivers with Good Credit
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $45 |
| Chicago | -- | $46 |
| Philadelphia | -- | $32 |
| Phoenix | -- | $38 |
| Los Angeles | -- | $55 |
For Drivers with Excellent Credit
| City | Electric Insurance | USAA |
|---|---|---|
| Austin | -- | $57 |
| Chicago | -- | $62 |
| Philadelphia | -- | $34 |
| Phoenix | -- | $56 |
| Los Angeles | -- | $99 |
Quotes & Discounts
| Discount Type | Electric Insurance | USAA |
|---|---|---|
| Mature driver discount |
Varies
|
-- |
| Accident Free Discount |
Varies
|
-- |
| Preferred payment discount |
Varies
|
-- |
| Organization Discount |
Varies
|
-- |
| EV/Hybrid Discount |
Varies
|
-- |
| Daytime Running Lights Discount |
Varies
|
Varies |
| Student Away at School Discount |
Varies
|
up to 20% |
| Good Driver Discount |
Varies
|
up to 10% |
| Advance shopper discount |
Varies
|
-- |
| Passive Restraint Discount |
Varies
|
up to 15% |
| Paid in full discount |
Varies
|
-- |
| Affinity group discount |
Varies
|
-- |
| Newlywed Discount |
Varies
|
-- |
| New Car Discount |
Varies
|
Varies |
| Multiple Policy Discount |
Varies
|
up to 9% |
| Low Mileage Discount |
Varies
|
Varies |
| Good Student Discount |
Varies
|
Varies |
| Driving training discount |
Varies
|
Varies |
| Anti-Theft Device Discount |
Varies
|
up to 20% |
| Anti-lock Brake Discount |
Varies
|
Varies |
| Accident Forgiveness |
Varies
|
Varies |
| Vehicle Storage Discount |
--
|
up to 60% |
| Military Discount |
--
|
up to 15% |
| Multiple Vehicle Discount |
--
|
up to 13% |
| Family Discount |
--
|
up to 10% |
| teenSMART Discount |
--
|
Varies |
| Loyalty Discount |
--
|
Varies |
| Defensive Driver Discount |
--
|
Varies |
Payment Methods
| Payment Type | Electric Insurance | USAA |
|---|---|---|
| Mail Payment |
|
|
| Automatic Online Payment |
|
|
| Prepayment |
|
--
|
| Credit Card Payment |
|
--
|
| Electronic Check |
|
--
|
| Online Payment |
|
|
| Debit Card Payments |
|
--
|
| Payroll Deduction |
|
--
|
| Mobile App Payments |
--
|
|
Feature and Services
| Features and Services | Electric Insurance | USAA |
|---|---|---|
| Flexible / convenient payments |
|
|
| 24/7 service |
|
|
| Online account management |
|
|
| Roadside assistance |
|
|
| Mobile app |
|
|
Optional Coverages
| Coverage Type | Electric Insurance | USAA |
|---|---|---|
| New Car Replacement Coverage |
|
--
|
| Original Equipment Manufacturer Coverage |
|
--
|
| Work Loss Coverage |
|
--
|
| Rental Reimbursement |
|
|
| Roadside Assistance |
|
|
| Gap Insurance |
|
--
|
| Emergency Lockout Coverage |
|
--
|
| Glass Coverage |
|
--
|
| Comprehensive Claim Forgiveness |
|
--
|
| Accident Forgiveness |
--
|
|
| Extended Coverage |
--
|
|
Insurance by State
- Electric Insurance
- USAA
- Both
Uber and Lyft driver insurance:
- Electric Insurance
- USAA
- Both
Online Quoting by State
- Electric Insurance
- USAA
- Both
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| Product | Electric Insurance | USAA |
|---|---|---|
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 RV Insurance |
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 Renters Insurance |
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 Small Business Insurance |
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 Umbrella Insurance |
--
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User Reviews
Most Positive Review
Cost and services
Most Critical Review
June 15, 2018
I have had Electic insurance for approximately 20 years. My rates just went up 25 % in the last year without notice. No accidents, speeding tickets or claims. When I called customer support their response was “well we can do that. We were allowed to raise our rates in your state.” No offer to review my plans to see if they could save me money on my policies by increasing deductibles, looking for discounts ie alam systems etc. They were much more helpful in years past. I switched to another company, have the same coverage, same deductibles and they have an equal insurance rating and Iam saving $2250 a year!
Most Positive Review
October 23, 2017
Rates are reasonable, customer service is knowledgeable, and they offer multiple services. They also paid quickly on a claim I filed.
Most Critical Review
December 19, 2018
I was a customer of USAA for years, then discovered that they had someone else's car on my policy (and had removed my car). When I spoke to them about it, they said that if they had to research it find out whose fault it is, that they would retroactively raise my rates for the past two years - even though my car is 4 years older than they can that was insured. Amazing how quickly the conversation turned from "lets see what's happening" to "we need to cover our ass and make this issue go away". This isn't doing what's right for the customer. As a result, I shopped them and discovered that I could get identical coverage with another national insurance carrier for half the annual cost.
December 8, 2017