Esurance vs USAA Car Insurance [2020]

Compare car insurance for Esurance vs USAA by looking at rates and ratings. Both Esurance and USAA received superior ratings from AM Best and offer competitive rates with a variety of coverage options.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 11, 2021

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Here's what you need to know...

  • USAA offers services to active and retired military personnel and their families
  • Esurance can offer coverage to anyone living in the 43 states they service
  • Comparing quotes from both will help you discover which could save you money on car insurance

Since vehicles began production, there have been different needs for car insurance to provide secure traveling along the roads.

There are insurance companies like Esurance and USAA that can provide insurance to drivers with a wide variety of insurance needs.

The difference between the two companies is that USAA is only available to those who are active in or retired from the military and their families.

Esurance can provide auto insurance to military and non-military personnel alike.

Esurance also offers insurance plans to those who aren’t able to afford many of the policies that are offered by other companies. They also offer coverage to customers who have violations on their license and even to those who have SR-22.

Read through this Esurance/USAA car insurance comparison, check out the Esurance car insurance review, check out the USAA car insurance review.

Be sure to enter your zip code in to do your own car insurance comparison!

Esurance and USAA Customer Service Comparison

Esurance began in 1999 as a web based company offering paperless and immediate coverage options to get cheap insurance coverage for your vehicle.

Through the years, it began to provide coverage on homes, rentals, water vehicles, snow vehicles, motorcycles, as well as health and life insurance and more.

USAA began in 1922 with a group of military officers seeking a solution to the military population’s difficulty obtaining insurance coverage for their vehicles and property.

It has since become a Fortune 500 Company, offering financial services, investments, and insurance policies to the military.

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Internet Service Comparison between Esurance and USAA

While Esurance was beginning its service as a primarily web-based auto insurance provider, USAA was integrating with the internet to provide web solutions for their customers in 1999.

Having the same amount of time online, both companies have become powerful figures in the internet car insurance market.

The military population is able to seek USAA for discounted insurance rates for themselves and their families, providing property and casualty coverage, as well as life and health. Non-military policyholders within the 43 qualifying states are able to turn to Esurance for low priced insurance.

Esurance does not offer the financial and investment services that USAA offers but both companies offer extensive internet policy management and internet tools and services.

USAA and Esurance Awards & Honors

USAA has received some very prestigious awards, including

  • J.D. Power – The Chairman Award from J.D. Power (2002)
  • Ward Group – 50 Top Performing Insurance Companies (24 consecutive years)
  • Computer World – Number 1 Best Place to Work in IT (2010, 2011, 2012)
  • Fortune – World’s Most Admired Company (2014 to 2015)

USAA has been able to hold top ranking in J.D. Power for auto and home insurance, mortgages, and home equity loans throughout the years.

Esurance has been able to claim many great awards including:

  • NJBIZ – Best Places to Work in New Jersey (2015)
  • PR Daily – Social Media Award (2014)
  • Information Week Elite – Coverage Rules Engine (2015)
  • Mobile Web Award – Best Insurance Mobile website (2015)

Both these companies participate in the community, providing great opportunities within the communities they serve.

USAA or Esurance?

Should you apply for car insurance with USAA or Esurance? Different companies have better rates in different areas of the country, so use our free comparison tool to start comparing personalized car insurance rates now!

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