Esurance 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

Esurance
94
What is this?

Insurify Composite Score

USAA
96
What is this?

Insurify Composite Score

Esurance VS USAA
94
96
What is this?
User Ratings
OptionsEsurance USAA
Rating/Reviews
4,728 reviews
1,031 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsEsurance USAA
Call Center RepresentativeAmong the bestAmong the best
Insurer WebsiteAbout averageAmong the best
Local Agent--About average
Overall SatisfactionAbout averageAmong the best
Policy OfferingsAbout averageAmong the best
PricingAbout averageAmong the best
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsEsurance USAA
Claim ServicingAbout averageBetter than most
Estimation ProcessAbout averageBetter than most
First Notice of Loss (FNOL)About averageAmong the best
Overall SatisfactionAbout averageAmong the best
Rental ExperienceAbout averageBetter than most
Repair ProcessThe restAmong the best
SettlementAbout averageBetter than most
J.D. Power Ratings by Region (out of 1000)
RegionEsurance USAA
California818 pt
About average
894 pt
Among the best
Central--906 pt
Among the best
Florida826 pt
About average
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 Central799 pt
The rest
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
RegionEsurance USAA
Android
4,165 Reviews
98,577 Reviews
iOS
108 Reviews
3,600 Reviews
Financial Ratings
OptionsEsurance USAA
A.M. BestA+A++
Fitch--AA+
Moody's--Aa1
Standard & Poor's--AA+

Auto Insurance Quotes

For Married Drivers

CityEsurance USAA
Austin$84$48
Chicago$76$47
Philadelphia$104$31
Phoenix$75$39
Santa Monica$67$50

For Single Drivers

CityEsurance USAA
Austin$81$61
Chicago$80$69
Philadelphia$108$41
Phoenix$82$58
Santa Monica$106$89

For Male Drivers

CityEsurance USAA
Austin$85$55
Chicago$81$59
Philadelphia$105$38
Phoenix$81$52
Santa Monica$105$82

For Female Drivers

CityEsurance USAA
Austin$80$54
Chicago$75$57
Philadelphia$107$35
Phoenix$75$44
Santa Monica$68$57

For Drivers with Speeding Ticket

CityEsurance USAA
Austin$95$73
Chicago$102$85
Philadelphia$127$45
Phoenix$94$69
Santa Monica$131$115

For Drivers with No Speeding Ticket

CityEsurance USAA
Austin$80$51
Chicago$73$52
Philadelphia$103$35
Phoenix$75$44
Santa Monica$77$59

For Drivers Age Between 18-40

CityEsurance USAA
Austin$79$61
Chicago$77$71
Philadelphia$108$42
Phoenix$78$59
Santa Monica$118$95

For Drivers Age Between 40-65

CityEsurance USAA
Austin$79$44
Chicago$72$43
Philadelphia$98$28
Phoenix$72$35
Santa Monica$63$49

For Drivers Age of 65+

CityEsurance USAA
Austin$112$71
Chicago$101$66
Philadelphia$130$46
Phoenix$102$57
Santa Monica$57$48

For Drivers with Average Credit

CityEsurance USAA
Austin$82$59
Chicago$81$68
Philadelphia$114$41
Phoenix$80$51
Santa Monica$78$68

For Drivers with Fair Credit

CityEsurance USAA
Austin$96$57
Chicago$84$55
Philadelphia$125$37
Phoenix$83$46
Santa Monica$73$55

For Drivers with Good Credit

CityEsurance USAA
Austin$79$45
Chicago$74$47
Philadelphia$100$32
Phoenix$74$38
Santa Monica$70$55

For Drivers with Excellent Credit

CityEsurance USAA
Austin$73$57
Chicago$72$62
Philadelphia$86$35
Phoenix$76$57
Santa Monica$125$99

Quotes & Discounts

Discount typeEsurance USAA
Good DriverUp to 40%Up to 10%
Passive RestraintUp to 33%Up to 15%
Accident FreeUp to 25%--
Anti-Theft DeviceUp to 25%Up to 20%
AlumniUp to 15%--
Multiple PolicyUp to 15%Up to 9%
Defensive DriverUp to 10%Varies
Good StudentUp to 10%Varies
Paid in fullUp to 10%--
PrepayUp to 10%--
Anti-lock BrakeUp to 5%Varies
Driving HabitsUp to 5%--
Multiple VehicleUp to 5%Up to 13%
OrganizationUp to 5%--
Provider SwitchUp to 5%--
Roadside AssistanceUp to 5%--
Starting your auto quote onlineUp to 5%--
Home OwnerVaries--
Signing documents when you buy onlineVaries--
Accident Forgiveness--Varies
Daytime Running Lights--Varies
Driving training--Varies
Family--Up to 10%
Low Mileage--Varies
Loyalty--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 typeEsurance USAA
Automatic Online Payment
--yes
Mail Payment
--yes
Mobile App Payments
yesyes
Online Payment
--yes

Features and Services

Features and ServicesEsurance USAA
24/7 serviceyesyes
Flexible / convenient payments--yes
Mobile appyesyes
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistance--yes

Optional Coverages

Optional CoveragesEsurance USAA
Accident Forgiveness
--yes
Emergency Assistance Coverage
yes--
Extended Coverage
--yes
Gap Insurance
yes--
Incident Forgiveness
yes--
Loss of Use Coverage
yes--
Mechanical Breakdown Insurance
yes--
Original Equipment Manufacturer Coverage
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes

Uber and Lyft driver insurance

  • Esurance
  • USAA
  • Both

SR‌-22 Insurance by State

  • Esurance
  • USAA
  • Both

Compare Insurance Products

ProductEsurance USAA
Personal Articles InsurancePersonal Articles Insurance--yes
ATV InsuranceATV Insuranceyes--
Car InsuranceCar Insuranceyesyes
Aviation InsuranceAviation Insurance--yes
Boat InsuranceBoat Insuranceyesyes
Business InsuranceBusiness Insuranceyes--
Cell Phone InsuranceCell Phone Insuranceyes--
Classic Car InsuranceClassic Car Insuranceyesyes
Collectibles InsuranceCollectibles Insurance--yes
Commercial InsuranceCommercial Insuranceyes--
Condo InsuranceCondo Insuranceyesyes
Dwelling Fire InsuranceDwelling Fire Insurance--yes
Farm InsuranceFarm Insurance--yes
Flood InsuranceFlood Insuranceyesyes
Health InsuranceHealth Insuranceyes--
Home InsuranceHome Insuranceyesyes
Life InsuranceLife Insuranceyesyes
Mobile Home InsuranceMobile Home Insurance--yes
Motorcycle InsuranceMotorcycle Insuranceyesyes
Pet InsurancePet Insuranceyes--
Renters InsuranceRenters Insuranceyesyes
RV InsuranceRV Insuranceyesyes
Small Business InsuranceSmall Business Insurance--yes
Snowmobile insuranceSnowmobile insuranceyes--
Umbrella InsuranceUmbrella Insuranceyesyes

User Reviews

  • Esurance Reviews
  • USAA Reviews
4.1
5 Stars
62 %
4 Stars
15 %
3 Stars
7 %
2 Stars
4 %
1 Star
12 %

Most Helpful Review

By Andrea
Ypuve been easy and great to deal with, im just looking to pay less.

Most Critical Review

By Shane
Poor billing procedures or information changes to billing procedures has messed me up significantly causing me financial burdens and coverage problems beyond comprehension. Was uninsured without knowledge, dropped coverage for no fault of my own. Then offered a chance to reinstate and once again no letter with attached statement for billing. Only thing received was a letter of debt collection for $49.00. now I'm trying to fix your mistake and it's costing me lots of time which info not have and hundreds if not thousands of $.

All Reviews

Showing 1 - 10 out of 1000 Reviews
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Read reviews that mention

Erik Peer
Terrible customer service... dropped my vehicle off. Drive an hour away to pick up rental only to spend over an hour trying to get assistance which only got me nowhere.... unreal I will be going to another insurance company due to the facts that no one can help you and just pass you from person to person with no result... and apparently the New York office only has 2 employees... wtf unbelievable
Heather Snell
Don't do it! There is cheaper rates with much better coverage! In addition, they charged me $50 to cancel after I had been with them accident free for over 2 years! I moved to State Farm and couldn't be happier.
Sam
Offered me $100 for my total loss
Dan
Raised my rates for now reason then charged me a 10% cancellation fee. Will never return no matter what and I will never switch to any of their partner companies.
Tina
A huge corporation and they cannot support essential workers during a pandemic. This is so upsetting and boggling. This company orders over 200 dollars worth of food on a busy Friday morning requested free delivery and could not even tip 10%. My paycheck solely depends on the gratitude of customers and guests and a large company cannot even leave a courtesy tip.
No need
As everyone else are saying, this is a horrible company. Paid a payment one time with a credit card and they but never late. They processing made it late in their system in September. This is April and they raised my rate 80 dollars. What the fuck. Hate y'all and leaving ASAP
Rajab
Noori
Zo Nolan
Wanted to leave a 1 star because they didn't let me add two different plus took $89.00 for no reason...Won't come back 2020!!!
Dee Bolen
We have einsurance my son was hit by another vehicle months ago. Both of my sons were in the vehicle and my son who was the passenger was taken to the ER. The medical claim was to be paid out by esurance. Additionally both of my sons required chiropractic care. the medical portion is the responsibility of esurance. We are five months post accident and esurance has yet to pay the medical portion of my son who was the passenger. They claim they need an affidavit to prove he is not covered under any other insurance. We have emailed, snail mailed and faxed the affidavit both from my home and the chiropractor‘s office on multiple occasions. They claim they have not received the affidavit and they still have not paid these bills, we are now receiving past due notices. The son who they did not require an affidavit for who was clearly covered under the policy it took them over four months to pay his medical claims… 2 weeks ago they claimed they mailed out the checks months ago, yet several of the checks showed up within a two day period just last week, but it’s still not the full amount they owe for him. No one ever returns calls and no one is ever at their desks. I can guarantee you they are NEVER late when it comes to collecting their premium from my bank acct! This is just unprofessional and unacceptable.
Kristi Knudson
I think the esurance AD should be taken off of the internet. I don't care if it's fake or not fake, but it shows a frog with springs on its feet. That is called maltreatment of animals fake or not fake. I am turning them in for this problem if they don't take the ad off of the internet because I'm going to consumer affairs and the BBB because you are not supposed to show anything like that on the internet and they do it anyway so I would assume they would take it off unless they want to get in trouble for maltreatment of a animal!!!!!!!I would never trust this insurance company because of that fact.
Showing 1 - 10 out of 1000 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.