Compare Erie vs. USAA Insurance

Erie and USAA are both top companies in the world of auto insurance. Erie was founded in 1925, and USAA was founded just a few years earlier in 1922. USAA and Erie share comparably strong ratings across the board: USAA has one of the highest customer satisfaction ratings, and Erie has a J.D. Power award for most satisfying purchase experience. Side by side, both companies offer a wide range of discounts and have comparably strong financial strength ratings. However, USAA has 5 out of 5 stars from J.D. Power, while Erie only has 3 out of 5. Erie’s downside is its high premiums, while USAA’s is that it only offers insurance to military personnel and their immediate families. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  Erie USAA
Best If Erie
  • You want excellent customer service
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Erie
  • You want more affordable insurance premiums
  • You are not in the military, and do not have a parent who served

Compare Insurance Prices

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

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Special Car Insurance Discounts


Other Discounts:

  • Safe Driving Course Discount
  • Driver Training Discount
  • Accident Prevention Course Discount

Standard Car Insurance Discounts

Bundling Coverage Discounts Erie USAA
Home and Car
Car and Life
Vehicle Type and Safety Features Erie USAA
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 Erie USAA
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships Erie USAA
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Special Circumstances Erie USAA
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts Erie USAA
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

Erie Car Insurance USAA Car Insurance
2016 43 245
2015 40 415
2014 35 380
2013 19 270

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

Erie Car Insurance USAA Car Insurance
A.M. Best A+ A++
Moody's -- Aaa
S&P's A AA+

Mobile Apps


eSSENTIAL Accessibility App. This free app helps you navigate Erie’s website from your mobile device. It’s geared for those with physical disabilities who have trouble using a mouse. The app has keyboard and mouse replacement options and aims to aid the disabled. To read more and download the app, click here. 


The USAA Mobile App lets you manage your insurance policies quickly and easily from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Roadside Assistance


Erie Emergency Road Service

Emergency Road Service coverage is offered as part of your current car insurance policy. Road Service covers labor costs thru their nationwide roadside assistance partner Agero.

Service Covered

  • Towing
  • Flat tire
  • Battery service
  • Gas delivery

Contact Phone Number

Erie Emergency Road Service Hotline: (800) 367-3743


USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

1 (866) 375—5374.