Erie Insurance 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

Erie Insurance
85
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Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Erie Insurance VS USAA
85
96
What is this?
User Ratings
OptionsErie Insurance USAA
Rating/Reviews
224 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsErie Insurance USAA
Call Center Representative--Among the best
Insurer Website--Among the best
Local AgentAmong the bestAbout average
Overall SatisfactionAmong the bestAmong the best
Policy OfferingsBetter than mostAmong the best
PricingAmong the bestAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsErie Insurance USAA
Claim ServicingBetter than mostBetter than most
Estimation ProcessAmong the bestBetter than most
First Notice of Loss (FNOL)Better than mostAmong the best
Overall SatisfactionBetter than mostAmong the best
Rental ExperienceAmong the bestBetter than most
Repair ProcessAmong the bestAmong the best
SettlementBetter than mostBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionErie Insurance USAA
California--894 pt
Among the best
Central--906 pt
Among the best
Florida--888 pt
Among the best
Mid-Atlantic854 pt
Among the best
896 pt
Among the best
New England--893 pt
Among the best
New York--900 pt
Among the best
North Central845 pt
Among the best
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
RegionErie Insurance USAA
Android
4 Reviews
98,577 Reviews
iOS--
3,600 Reviews
Financial Ratings
OptionsErie Insurance USAA
A.M. BestA+A++
Fitch--AA+
Moody's--Aa1
Standard & Poor'sAAA+

Auto Insurance Quotes

For Married Drivers

CityErie Insurance USAA
Austin--$48
Chicago$48$47
Philadelphia$45$31
Phoenix--$39
Santa Monica--$50

For Single Drivers

CityErie Insurance USAA
Austin--$61
Chicago$48$69
Philadelphia$52$41
Phoenix--$58
Santa Monica--$89

For Male Drivers

CityErie Insurance USAA
Austin--$55
Chicago$44$59
Philadelphia$47$38
Phoenix--$52
Santa Monica--$82

For Female Drivers

CityErie Insurance USAA
Austin--$54
Chicago$52$57
Philadelphia$50$35
Phoenix--$44
Santa Monica--$57

For Drivers with Speeding Ticket

CityErie Insurance USAA
Austin--$73
Chicago$58$85
Philadelphia$56$45
Phoenix--$69
Santa Monica--$115

For Drivers with No Speeding Ticket

CityErie Insurance USAA
Austin--$51
Chicago$46$52
Philadelphia$47$35
Phoenix--$44
Santa Monica--$59

For Drivers Age Between 18-40

CityErie Insurance USAA
Austin--$61
Chicago$49$71
Philadelphia$53$42
Phoenix--$59
Santa Monica--$95

For Drivers Age Between 40-65

CityErie Insurance USAA
Austin--$44
Chicago$45$43
Philadelphia$41$28
Phoenix--$35
Santa Monica--$49

For Drivers Age of 65+

CityErie Insurance USAA
Austin--$71
Chicago$57$66
Philadelphia$58$46
Phoenix--$57
Santa Monica--$48

For Drivers with Average Credit

CityErie Insurance USAA
Austin--$59
Chicago$54$68
Philadelphia$53$41
Phoenix--$51
Santa Monica--$68

For Drivers with Fair Credit

CityErie Insurance USAA
Austin--$57
Chicago$58$55
Philadelphia$54$37
Phoenix--$46
Santa Monica--$55

For Drivers with Good Credit

CityErie Insurance USAA
Austin--$45
Chicago$42$47
Philadelphia$42$32
Phoenix--$38
Santa Monica--$55

For Drivers with Excellent Credit

CityErie Insurance USAA
Austin--$57
Chicago$39$62
Philadelphia$45$35
Phoenix--$57
Santa Monica--$99

Quotes & Discounts

Discount typeErie Insurance USAA
Multiple VehicleUp to 15%Up to 13%
PrepayUp to 7%--
Anti-Theft DeviceUp to 5%Up to 20%
Anti-lock BrakeUp to 5%Varies
Accident ForgivenessVariesVaries
Defensive DriverVariesVaries
Feature 15Varies--
Good DriverVariesUp to 10%
Low MileageVariesVaries
Multiple PolicyVariesUp to 9%
Passive RestraintVariesUp to 15%
Senior AdultVaries--
Student Away at SchoolVariesUp to 20%
Youth DrivingVaries--
Youth LoyaltyVaries--
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Good Student--Varies
Loyalty--Varies
Military--Up to 15%
New Car--Varies
Vehicle Storage--Up to 60%
teenSMART--Varies

Payment Methods

Discount typeErie Insurance USAA
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit yes--
Credit Card Payment yes--
Debit Card Payments yes--
In Person Payment
yes--
Mail Payment
yesyes
Mobile App Payments
--yes
Online Payment
yesyes
Person 2 Person Payment yes--
Phone Payment
yes--
Prepayment
yes--

Features and Services

Features and ServicesErie Insurance USAA
24/7 service--yes
Diminishing deductibleyes--
Flexible / convenient payments--yes
Mobile app--yes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesErie Insurance USAA
Accident Forgiveness
yesyes
Better Car Replacement
yes--
Emergency Assistance Coverage
yes--
Emergency Lockout Coverage
yes--
Extended Coverage
--yes
Glass Coverage yes--
New Car Replacement Coverage
yes--
Personal Auto Plus
yes--
Pet Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Vanishing Deductible
yes--

Online Quoting by State

  • Erie Insurance
  • USAA
  • Both

Uber and Lyft driver insurance

  • Erie Insurance
  • USAA
  • Both

Compare Insurance Products

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

User Reviews

  • Erie Insurance Reviews
  • USAA Reviews
3.7
5 Stars
53 %
4 Stars
11 %
3 Stars
8 %
2 Stars
6 %
1 Star
22 %

Most Positive Review

By Olga
Because they have the best rate in the market and exceptional customer service

Most Critical Review

By Myra
Never had to use the service except pay my bill (I am accident free). Monthly payment is kind of high.

All Reviews

Showing 1 - 10 out of 224 Reviews
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Read reviews that mention

william
overpriced
Mary
Easy to work with. Great agent experience.
MIKE
Erie is fantastic to deal with! The service is great as are the rates. I have shopped around and they always come out on top with the best rates. The coverages on the auto and home are also very good. My auto deductibles are now zero and my home has coverage for underground lines and a warranty type of coverage. I highly recommend Erie! I had a claim on lost jewelry with them and it was paid in no time with no hassle what so ever!
Walter
Cheaper for two vehicles than one don't make no sense
William
It's just a numbers thing. I'm looking for a better price, and they wont provide one. I have a very good driving record, and I should be paying less than what I am curremtly
William
D.E.
Been dealing with them since 7/24/18 when one of their insured hit us. After calling multiple times and leacing messages with no call back for months in end. I decided to file a report with the Indiana Insurance Commissioner. That got the ball rolling for a few calls. Was told I would get a call back in 2 weeks that was 6 weeks ago. If you gwt hit by someone with Erie it is probably smart to lawyer up from the get go.
Crystal
Jeffrey C
My review is in reference to an automobile claim. I am not an Erie customer; however, I was rear-ended by an Erie client. I had a new Ford Explorer. I was hit so hard the rear hitch came up through the back seat. Erie paid the initial damage. I went to my Ford dealer to get it fixed. My Ford dealer said that I should pursue Erie for a "diminished value claim" since now my car was in a 'major" accident Ford would not take it on a trade-in, and most places will not since it is now in carfax as being in a major accident. I called Erie, they wanted to know how I knew about "diminished value" they then tried to talk me out of it, but I was persistent and they sent me to their recommended person, so I called, made an appointment, this cost me $300.00 dollars and three hours of my time ! When I submitted the report to Erie they offered me substantially less. I argued that this was your guy who said my diminished value claim was more ! They rudely told me to go and sue if I did not like it, which means I have to sue the other driver, which is their customer. I would NEVER use Erie after this.
Brandon P
This company is a joke. After having an adjuster come out and look at our house due to storm damage. We were lied to, the adjusters were extremely rude and disrespectful, and they damaged our house with the equipment they used. Several other neighbors were able to get claims with Erie Insurance due to storm damage, but we were lied to, after being told by numerous restoration companies that we do have damage. Our insurance agent made a sexist remark to my wife, and then we made a complaint to the Erie regional manager and he told us that they were not going to do anything about any of the complaints due to lack of evidence. I WOULD NEVER recommend ERIE as an insurance company to anybody.
Showing 1 - 10 out of 224 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.