Esurance vs AAA

Compare car insurance for Esurance vs AAA by looking at rates and coverage offered. AAA offers more comprehensive coverage while Esurance rates are often less.

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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: Jun 19, 2020

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Here's what you need to know...

  • Esurance focuses on online convenience while AAA focuses on travel
  • AAA offers more comprehensive coverage while Esurance rates are often less
  • Both companies offer additional options aside from auto insurance

When comparing Esurance to AAA, there will be several differences in services.

AAA used to focus only on vehicle insurance, but they have recently expanded to cover home, life, and more!

Esurance also offers much more than just car insurance, including home, life, health, and even watercraft insurance. AAA offers services that aren’t offered by Esurance, however, including travel accommodations and rentals for out of town and out of country travel and vacations.

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Services Provided by AAA Compared to Esurance


AAA began in 1902 and has since built one of the most extensive travel and transportation coverage and service companies in the US. AAA offers many unique services such as:

  • Free Towing with Membership
  • Fuel Delivery
  • Auto Repair
  • Auto Purchasing
  • Hotel Reservations
  • Road Service

Esurance offers many services including:

  • Emergency Roadside Assistance
  • Rental Car Coverage
  • Customized Parts and Equipment Coverage

With over a hundred years of serving the U.S., AAA has a long history of providing excellent customer service and high-quality products for the safest and most secure traveling possible.

Esurance is a newer company but has created many options for today’s drivers, homeowners, and anyone that owns a qualifying asset.

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The Main Difference between AAA and Esurance

car going to mountains, Lofoten Islands

AAA was created not only to cover accidents but also to go a step further to ensure that your vehicle is repaired and you are safe and secure whenever you travel.

Even when you take a vacation overseas, AAA is a guardian of your trip, ensuring that you depart from and arrive at every destination with the most safety and on-site assistance.

If you break down, you can get a towing service and comprehensive assistance, including a rental vehicle and auto repair. You are joining a membership with AAA instead of merely purchasing a policy.

Esurance, on the other hand, is a web policy based service specializing in various insurance types, providing 24/7 assistance, much like AAA, but not as comprehensive.

Esurance also doesn’t offer the travel packages and the accommodation scheduling AAA offers, but Esurance is a top-rated company.

There is a broad difference between Esurance and AAA. The length of time AAA has been in existence has allowed the member club to create a fully comprehensive service that isn’t found with any other company.

Esurance is also a top-rated company that provides excellent customer service and satisfaction offering supreme coverage and many times lower rates than AAA.

Enter your zip code now to find car insurance quotes from multiple companies!


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