EMC vs USAA Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

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Last Updated: January 2022

Ratings

Insurify Composite Score

EMC
Not Rated
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Insurify Composite Score

USAA
96
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Insurify Composite Score

EMC VS USAA
Not Rated
96
What is this?
User Ratings
OptionsEMC USAA
Rating/Reviews
1 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsEMC USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local Agent--About average
Overall Satisfaction--Among the best
Policy Offerings--Among the best
Pricing--Among the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsEMC USAA
Claim Servicing--Better than most
Estimation Process--Better than most
First Notice of Loss (FNOL)--Among the best
Overall Satisfaction--Among the best
Rental Experience--Better than most
Repair Process--Among the best
Settlement--Better than most
J.D. Power Ratings by Region (out of 1000)
RegionEMC USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic--896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central--905 pt
Among the best
Northwest--896 pt
Among the best
Southeast--894 pt
Among the best
Southwest--887 pt
Among the best
Texas--899 pt
Among the best
Mobile App Ratings
RegionEMC USAA
Android--
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsEMC USAA
A.M. Best--A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityEMC USAA
Austin--$48
Chicago--$47
Philadelphia--$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityEMC USAA
Austin--$61
Chicago--$69
Philadelphia--$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityEMC USAA
Austin--$55
Chicago--$59
Philadelphia--$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityEMC USAA
Austin--$54
Chicago--$57
Philadelphia--$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityEMC USAA
Austin--$73
Chicago--$85
Philadelphia--$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityEMC USAA
Austin--$51
Chicago--$52
Philadelphia--$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityEMC USAA
Austin--$61
Chicago--$71
Philadelphia--$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityEMC USAA
Austin--$44
Chicago--$43
Philadelphia--$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityEMC USAA
Austin--$71
Chicago--$66
Philadelphia--$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityEMC USAA
Austin--$59
Chicago--$68
Philadelphia--$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityEMC USAA
Austin--$57
Chicago--$55
Philadelphia--$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityEMC USAA
Austin--$45
Chicago--$47
Philadelphia--$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityEMC USAA
Austin--$57
Chicago--$62
Philadelphia--$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeEMC USAA
Accident FreeVaries--
Anti-Theft DeviceVariesUp to 20%
Anti-lock BrakeVariesVaries
Claims Free RenewalVaries--
Defensive DriverVariesVaries
Good StudentVariesVaries
LoyaltyVariesVaries
Multiple PolicyVariesUp to 9%
Multiple VehicleVariesUp to 13%
Passive RestraintVariesUp to 15%
Preferred paymentVaries--
Senior AdultVaries--
Accident Forgiveness--Varies
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Good Driver--Up to 10%
Low Mileage--Varies
Military--Up to 15%
New Car--Varies
Student Away at School--Up to 20%
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeEMC USAA
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
Electronic Check
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Person 2 Person Payment yes--
Phone Payment
yes--

Features and Services

Features and ServicesEMC USAA
24/7 service--yes
Flexible / convenient paymentsyesyes
Mobile app--yes
Online account managementyesyes
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesEMC USAA
Accident Forgiveness
--yes
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • EMC
  • USAA
  • Both

Compare Insurance Products

ProductEMC USAA
Personal Articles InsurancePersonal Articles Insurance--yes
Car InsuranceCar Insurance--yes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insurance--yes
Business InsuranceBusiness Insuranceyes--
Classic Car InsuranceClassic Car Insurance--yes
Collectibles InsuranceCollectibles Insurance--yes
Condo InsuranceCondo Insurance--yes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insurance--yes
Home InsuranceHome Insurance--yes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insurance--yes
Renters InsuranceRenters Insurance--yes
RV InsuranceRV Insurance--yes
Small Business InsuranceSmall Business Insurance--yes
Umbrella InsuranceUmbrella Insurance--yes

User Reviews

  • EMC Reviews
  • USAA Reviews
5.0
5 Stars
100 %

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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.