Compare AAA vs. Esurance Insurance

AAA and Esurance both specialize in selling auto insurance policies at comparable yet competitive rates. AAA has been widely known for a little over a century. And Esurance has achieved almost equal recognition and popularity in just under 20 years. Both companies offer equally attractive varieties of auto discounts, but when it comes to roadside assistance, AAA has Esurance beat. AAA’s comprehensive and complex three-tier system provides all roadside services.

Esurance’s roadside assistance program only pays up to $75 per incident, and you may need to have comprehensive and collision coverage in order to add it to your policy.

So which one offers the discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA Esurance
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
  • You want low rates, straightforward prices, and strong online tools
Worst If AAA
  • You constantly need service calls. AAA only provides four service calls per cardholder per year. Anything beyond that costs extra
  • You want excellent roadside assistance

Compare Insurance Prices

Comparing quotes is the best way to get the lowest rates from top insurers like AAA and Esurance. QuoteWizard is an independent company that helps you find the right policy at the best rate.

Find The Best Rates For Your Policy

Compare Quotes

Special Car Insurance Discounts

AAA Esurance

Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel

There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.

Fast 5 Discount

This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at

Paid-in-Full Discount

This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.

Switch & Save Discount

This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.

Emergency Road Assistance Discount

You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.

Pac-12 Discount

You can get this discount if you attended or are an alum of a Pac-12 school. Find out more about this unique discount here.

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA Esurance
Home and Car
Car and Life
Vehicle Type and Safety Features AAA Esurance
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA Esurance
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA Esurance
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances AAA Esurance
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA Esurance
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance Esurance
2016 48
2015 67
2014 47
2013 43

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance Esurance
Overall Purchase Experience Average Average
Policy Offerings Average Average
Pricing Average Average
Local Agent Average Average
Call Center Representative Above average --
Insurer Website Average Among the best

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance Esurance
Overall Satisfaction Above average Below average
First Notice of Loss Above average Below average
Service Interaction Above average Below average
Appraisal Average Below average
Repair Process Among the best Below average
Rental Car Experience Above average Below average
Settlement Above average Below average

Financial Strength Ratings

AAA Car Insurance Esurance
A.M. Best A+ A+
Moody's -- --
S&P's A --

Mobile Apps

AAA Esurance

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.


Esurance Mobile

This app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. To download the app for iPhone or Android, click here.

Roadside Assistance

AAA Esurance

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination

Esurance Emergency Road Service coverage

Esurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:

  • Towing
  • Tire changes
  • Gas, oil, and water delivery
  • Battery services
  • Lockout service

Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy.

Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472