Compare Esurance vs. USAA Insurance

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Esurance and USAA are two insurance companies with their own auto policies, discounts, and drawbacks. Esurance was founded in 1999, and USAA was founded much earlier in 1922. USAA is best-known for its impeccable customer service reviews and ratings, as well as its high financial strength and J.D. Power ratings. Its only drawback is that you must be a member of the military or have an immediate family member in the military to receive full benefits.

On the other hand, Esurance offers a wide range of discounts, being a subsidiary of Allstate. It also has reasonable premiums, but lacks a reliable roadside service program.

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

  Esurance USAA
Best If Esurance
  • You want low rates, straightforward prices, and strong online tools
USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Worst If Esurance
  • You want excellent roadside assistance
USAA
  • You are not in the military, and do not have a parent who served in the military

Special Car Insurance Discounts

Esurance USAA
Esurance

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 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 esurance.com.

Paid-in-Full Discount saves you 10 percent off your premium if you choose to pay the full amount as opposed to in monthly increments.

Switch & Save Discount saves you up to 5 percent off your premium and is available for the first two policy terms. You can obtain this discount simply by switching to Esurance from your current insurance company.

Emergency Road Assistance Discount is available when you buy emergency road assistance from a different provider, such as AAA. This discount can save you up to 5 percent on your premium.

Pac-12 Discount is only available to those who have attended or are an alum of the Pac-12 schools. Find out more about this unique discount here.

USAA

Standard Car Insurance Discounts

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

Consumer Complaint Data

Esurance USAA Car Insurance
2016 48 245
2015 67 415
2014 47 380
2013 43 270

U.S. Auto Insurance Shopping Study (2016)

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

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

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

Financial Strength Ratings

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

Mobile Apps

Esurance USAA
Esurance

The Esurance Mobile app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, track the status of any claims you made, file a claim, 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.

USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently 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

Esurance USAA
Esurance

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 tracker that uses your smartphone to give the service provider your exact location and give you updates on their ETA.

Emergency Road Service is only eligible for Esurance covered vehicles.

Roadside Assistance Phone: 1 (888) 374-6472

USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. 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

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.