4.8out of 3,000+ reviews
Erie Insurance vs USAA Car Insurance
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Last Updated February 1, 2022
Ratings
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Erie Insurance
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USAA
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Erie Insurance VS USAA
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User Ratings
| Options | Erie Insurance  | USAA |
|---|---|---|
| Rating/Reviews | 224 reviews | 1,031 reviews |
U.S Auto Insurance Shopping Study (2018) ℹ
| Options | Erie Insurance | USAA |
|---|---|---|
| Call Center Representative | -- | Among the best |
| Insurer Website | -- | Among the best |
| Local Agent | Among the best | About average |
| Overall Satisfaction | Among the best | Among the best |
| Policy Offerings | Better than most | Among the best |
| Pricing | Among the best | Among the best |
U.S Auto Insurance Claims Satisfaction Study (2018) ℹ
| Options | Erie Insurance | USAA |
|---|---|---|
| Claim Servicing | Better than most | Better than most |
| Estimation Process | Among the best | Better than most |
| First Notice of Loss (FNOL) | Better than most | Among the best |
| Overall Satisfaction | Better than most | Among the best |
| Rental Experience | Among the best | Better than most |
| Repair Process | Among the best | Among the best |
| Settlement | Better than most | Better than most |
J.D. Power Ratings by Region (out of 1000) ℹ
| Region | Erie Insurance | USAA |
|---|---|---|
| California | -- | 894 pt Among the best |
| Central | -- | 906 pt Among the best |
| Florida | -- | 888 pt Among the best |
| Mid-Atlantic | 854 pt Among the best | 896 pt Among the best |
| New England | -- | 893 pt Among the best |
| New York | -- | 900 pt Among the best |
| North Central | 845 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 ℹ
| Region | Erie Insurance | USAA |
|---|---|---|
| Android | 4 Reviews | 98,577 Reviews |
| iOS | -- | 3,600 Reviews |
Financial Ratings
| Options | Erie Insurance | USAA |
|---|---|---|
| A.M. Best | A+ | A++ |
| Fitch | -- | AA+ |
| Moody's | -- | Aa1 |
| Standard & Poor's | A | AA+ |
Auto Insurance Quotes
For Married Drivers
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $48 |
| Chicago | $48 | $47 |
| Philadelphia | $45 | $31 |
| Phoenix | -- | $39 |
| Santa Monica | -- | $50 |
For Single Drivers
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $61 |
| Chicago | $48 | $69 |
| Philadelphia | $52 | $41 |
| Phoenix | -- | $58 |
| Santa Monica | -- | $89 |
For Male Drivers
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $55 |
| Chicago | $44 | $59 |
| Philadelphia | $47 | $38 |
| Phoenix | -- | $52 |
| Santa Monica | -- | $82 |
For Female Drivers
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $54 |
| Chicago | $52 | $57 |
| Philadelphia | $50 | $35 |
| Phoenix | -- | $44 |
| Santa Monica | -- | $57 |
For Drivers with Speeding Ticket
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $73 |
| Chicago | $58 | $85 |
| Philadelphia | $56 | $45 |
| Phoenix | -- | $69 |
| Santa Monica | -- | $115 |
For Drivers with No Speeding Ticket
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $51 |
| Chicago | $46 | $52 |
| Philadelphia | $47 | $35 |
| Phoenix | -- | $44 |
| Santa Monica | -- | $59 |
For Drivers Age Between 18-40
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $61 |
| Chicago | $49 | $71 |
| Philadelphia | $53 | $42 |
| Phoenix | -- | $59 |
| Santa Monica | -- | $95 |
For Drivers Age Between 40-65
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $44 |
| Chicago | $45 | $43 |
| Philadelphia | $41 | $28 |
| Phoenix | -- | $35 |
| Santa Monica | -- | $49 |
For Drivers Age of 65+
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $71 |
| Chicago | $57 | $66 |
| Philadelphia | $58 | $46 |
| Phoenix | -- | $57 |
| Santa Monica | -- | $48 |
For Drivers with Average Credit
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $59 |
| Chicago | $54 | $68 |
| Philadelphia | $53 | $41 |
| Phoenix | -- | $51 |
| Santa Monica | -- | $68 |
For Drivers with Fair Credit
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $57 |
| Chicago | $58 | $55 |
| Philadelphia | $54 | $37 |
| Phoenix | -- | $46 |
| Santa Monica | -- | $55 |
For Drivers with Good Credit
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $45 |
| Chicago | $42 | $47 |
| Philadelphia | $42 | $32 |
| Phoenix | -- | $38 |
| Santa Monica | -- | $55 |
For Drivers with Excellent Credit
| City | Erie Insurance | USAA |
|---|---|---|
| Austin | -- | $57 |
| Chicago | $39 | $62 |
| Philadelphia | $45 | $35 |
| Phoenix | -- | $57 |
| Santa Monica | -- | $99 |
Quotes & Discounts
| Discount type | Erie Insurance | USAA |
|---|---|---|
| Multiple Vehicle | Up to 15% | Up to 13% |
| Prepay | Up to 7% | -- |
| Anti-Theft Device | Up to 5% | Up to 20% |
| Anti-lock Brake | Up to 5% | Varies |
| Accident Forgiveness | Varies | Varies |
| Defensive Driver | Varies | Varies |
| Feature 15 | Varies | -- |
| Good Driver | Varies | Up to 10% |
| Low Mileage | Varies | Varies |
| Multiple Policy | Varies | Up to 9% |
| Passive Restraint | Varies | Up to 15% |
| Senior Adult | Varies | -- |
| Student Away at School | Varies | Up to 20% |
| Youth Driving | Varies | -- |
| Youth Loyalty | Varies | -- |
| 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 type | Erie Insurance | USAA |
|---|---|---|
| Automatic Online Payment ℹ |  | |
| Bank Payment/Direct Deposit | | -- |
| Credit Card Payment | | -- |
| Debit Card Payments | | -- |
| In Person Payment ℹ | | -- |
| Mail Payment ℹ | | |
| Mobile App Payments ℹ | -- | |
| Online Payment ℹ | | |
| Person 2 Person Payment | | -- |
| Phone Payment ℹ | | -- |
| Prepayment ℹ | | -- |
Features and Services
| Features and Services | Erie Insurance | USAA |
|---|---|---|
| 24/7 service | -- | |
| Diminishing deductible | | -- |
| Flexible / convenient payments | -- | |
| Mobile app | -- | |
| Online account management | | |
| Policy bundling discounts | | -- |
| Roadside assistance | | |
Optional Coverages
| Optional Coverages | Erie Insurance | USAA |
|---|---|---|
| Accident Forgiveness ℹ | | |
| Better Car Replacement ℹ | | -- |
| Emergency Assistance Coverage ℹ | | -- |
| Emergency Lockout Coverage ℹ | | -- |
| Extended Coverage ℹ | -- | |
| Glass Coverage | | -- |
| New Car Replacement Coverage ℹ | | -- |
| Personal Auto Plus ℹ | | -- |
| Pet Coverage ℹ | | -- |
| Rental Reimbursement ℹ | | |
| Roadside Assistance ℹ | | |
| Vanishing Deductible ℹ | | -- |
Insurance by State
Car Insurance
- Erie Insurance
- USAA
- Both
Online Quoting by State
- Erie Insurance
- USAA
- Both
Uber and Lyft driver insurance
- Erie Insurance
- USAA
- Both
Compare Insurance Products
| Product | Erie Insurance | USAA |
|---|---|---|
 Personal Articles Insurance | -- | |
 ATV Insurance | | -- |
 Car Insurance | | |
 Aviation Insurance | -- | |
 Boat Insurance | | |
 Business Insurance | | -- |
 Classic Car Insurance | -- | |
 Collectibles Insurance | -- | |
 Condo Insurance | | |
 Dwelling Fire Insurance | -- | |
 Farm Insurance | -- | |
 Flood Insurance | -- | |
 Home Insurance | | |
 Identity Theft Insurance | | -- |
 Life Insurance | | |
 Mobile Home Insurance | | |
 Motorcycle Insurance | | |
 Renters Insurance | | |
 RV Insurance | -- | |
 Small Business Insurance | -- | |
 Umbrella Insurance | | |
User Reviews
- Erie Insurance Reviews
- USAA Reviews
3.7
224 Reviews
5 Stars
53 %
4 Stars
11 %
3 Stars
8 %
2 Stars
6 %
1 Star
22 %
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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.