USAA vs. Esurance for Military Auto Insurance
Esurance and USAA are both excellent choices for military auto insurance. When comparing USAA vs Esurance, USAA has better average rates and better reviews and ratings.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Mar 7, 2024
It’s all about veterans. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help veterans make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with one auto insurance company and cannot guarantee quotes from any single company. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for veterans interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Mar 7, 2024
It’s all about veterans. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help veterans make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with one auto insurance company and cannot guarantee quotes from any single company. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Both companies offer basic auto insurance coverages that drivers need to carry, as well as add-on coverages
- USAA has fewer customer complaints than Esurance and better customer service reviews
- Esurance doesn’t offer as many discounts on auto insurance coverages as USAA
If you are trying to decide between USAA and Esurance and are a current or past military personnel, this guide is for you. Both auto insurance companies have their pros and cons, and what is right for one driver may not be right for a different driver. For example, while both offer similar auto insurance coverages, USAA’s rates tend to be cheaper on average, so if you are looking to find cheap auto insurance for veterans, USAA is likely the better choice.
Continue reading to learn all about USAA and Esurance military auto insurance, from coverages offered to customer service ratings.
Military Auto Insurance Explained
Military auto insurance is usually just a discount offered on regular auto insurance policies for active or retired military personnel. It is all the same coverage as one would normally get for auto insurance, just at a lower price.
However, the exception is USAA, which doesn’t offer a discount for active and retired military because it already offers discounted rates. It also sells insurance exclusively to active and retired military and their families, so non-military drivers won’t qualify for USAA insurance.
USAA is the only company that exclusively caters to military personnel and their families, which means that it serves a smaller customer base. Esurance, on the other hand, sells auto insurance to all drivers, not just active and retired military personnel.
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USAA Military Auto Insurance
To gain a complete picture of USAA military auto insurance before we compare it to Esurance, take a look at some of the more important details of USAA below, from its coverage options to its customer service. You can also read our USAA auto insurance review for more information about the company.
USAA Military Auto Insurance Coverages
USAA offers all of the state-required coverages that drivers need to drive legally and additional coverages that drivers can use to round out their policy. Below is the complete list of USAA’s auto insurance coverage options.
- Collision coverage
- Comprehensive coverage
- Liability auto insurance coverage
- Medical payments (MedPay) coverage
- Personal injury protection (PIP) coverage
- Rental reimbursement coverage
- Roadside assistance coverage
- Underinsured motorist coverage
- Uninsured motorist coverage
USAA has a decent array of coverages available for drivers, but USAA doesn’t have rideshare, new car, modified car, gap, or umbrella insurance, so if you need these add-on coverages, you will have to choose a different company than USAA.
USAA Auto Insurance Rates and Discounts
The average rates of a company are one of the most important things to look at when evaluating a company.
If you are a younger driver or have a poor driving record, it is also important to see how much a company charges on average based on your demographics and driving record. Take a look at USAA’s average rates for drivers with a clean record below.
Driver Age and Gender | USAA Rates |
---|---|
16-year-old male with a clean record | $249 |
16-year-old female with a clean record | $245 |
25-year-old male with a clean record | $85 |
25-year-old female with a clean record | $80 |
45-year-old male with a clean record | $59 |
45-year-old female with a clean record | $59 |
65-year-old male with a clean record | $57 |
65-year-old female with a clean record | $58 |
If you have a less-than-perfect driving record, your rates will likely be higher, but USAA’s rates are fairly cheap across the board, even for drivers that are at higher risk to insure. USAA also offers discounts that can help drivers reduce their rates. USAA offers the following discounts to customers:
- Anti-theft device discount
- Defensive driver discount
- Garaging discount
- Good student discount
- Low mileage discount
- Loyalty discount
- Multi-car discount
- Multi-policy discount
- New car discount
- Safe driver discount
USAA also has a safe driving program that tracks your driving habits and then offers up to a 30% discount, depending on how well you do in the program. The safer you drive, the more you can save on your USAA policy.
USAA Ratings and Customer Service
USAA has some solid reviews and ratings for customer service, although it has a higher-than-average complaint ratio. Below are the main USAA ratings when dealing with customer service.
- Better Business Bureau (BBB): Not rated
- J.D. Power Auto Claims Satisfaction: 890 out of 1,000
- NAIC Complaint Index: 1.9
USAA has a great customer satisfaction rating with its auto claims. However, USAA does have a higher number of complaints on the NAIC than the median average, and it hasn’t yet been rated by the BBB, which also looks at customer complaints.
Esurance Military Auto Insurance
Now that you know what USAA offers to customers, let’s take a look at what Esurance has to offer in terms of coverages, rates, discounts, and customer service.
Esurance Military Auto Insurance Coverages
Esurance offers the following auto insurance coverages to customers.
- Collision coverage
- Comprehensive coverage
- Gap insurance coverage
- Liability coverage
- Medical payments (MedPay) coverage
- Personal injury protection (PIP) coverage
- Rental reimbursement coverage
- Roadside assistance coverage
- Underinsured motorist coverage
- Uninsured motorist coverage
Esurance offers all of the basic auto insurance coverages you will need in your state to drive legally, as well as some add-ons. Some of the coverages it lacks include rideshare insurance, modified auto insurance, and umbrella insurance.
Esurance Auto Insurance Rates and Discounts
Taking a look at Esurance’s auto insurance rates will give you a good idea of what it charges on average for basic auto insurance policies.
Of course, rates will also vary at companies based on how riskier drivers are to insure, so even if a company is cheaper for basic policies, it may be expensive if drivers are younger or have a poor driving record.
Just like at USAA, you can expect higher rates on average if you are younger or have a traffic ticket, DUI, or at-fault accident. However, Esurance also lists the following discounts on its website that can help you reduce your auto insurance rates at Esurance.
- Quick quote discount
- Multi-policy discount
- Pay-in-full discount
Esurance also offers a usage-based discount to drivers who participate in its Esurance DriveSense program. However, other than that, there isn’t a very comprehensive list of auto insurance discounts including military car insurance discounts with Esurance, which minimizes the savings drivers can earn at Esurance.
Esurance Reviews and Customer Service
Now that we’ve looked at rates and coverages, we want to take a look at how Esurance rates for customer service. Unfortunately, when looking at customer satisfaction ratings and complaint indexes, Esurance doesn’t score well.
- Better Business Bureau (BBB): C
- J.D. Power Auto Claims Satisfaction: Not Rated
- NAIC Complaint Index for Esurance Insurance Co: 3.42
The average complaint index is one, so Esurance has a higher than the average number of complaints than most insurance companies on the market. Esurance also rated very poorly on the BBB, which looks at customer satisfaction as a factor when calculating ratings.
USAA Compared to Esurance
Now that you know all the basic information about both companies, let’s see how USAA vs. Esurance compare in terms of coverage, rates, and customer service.
USAA vs. Esurance Coverages
Both insurance companies offer similar lists of coverages that provide both basic auto insurance coverages and add-on insurance coverages. You can get most of the types of auto insurance you need from either company. However, Esurance offers vehicle gap insurance coverage, which USAA does not.
USAA vs. Esurance Rates and Discounts
In general, USAA is cheaper than Esurance, making it a better choice price-wise. USAA also offers more discounts than Esurance, which has only a short list of available discounts. Because of this, USAA comes out as the better company when it comes to rates and discounts.
Read more: Cheapest Auto Insurance
USAA vs. Esurance Customer Service and Claims
While USAA was not ranked by BBB, the BBB gave Esurance a poor rating of a C. USAA also had a better complaint index on the NAIC, which means it receives a lower ratio of complaints than Esurance.
Esurance also wasn’t rated on JD Power’s claim satisfaction study. However, USAA was, and it received a great score from JD Power. So even though both companies weren’t scored by every major rating company, USAA comes out on top when comparing scores.
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The Final Word on USAA vs. Esurance for Military Auto Insurance
While both companies offer similar auto insurance coverages, USAA has better average rates for customers. USAA also has a lower ratio of complaints than Esurance, showing customers are more satisfied with USAA’s customer service.
If you want to find the best auto insurance company for you today, use our free quote comparison tool. It will compare rates from companies in your area to help you find the best coverage and price based on your needs.
Frequently Asked Questions
What is military auto insurance?
Military auto insurance simply refers to policies with discounted rates for military members, whether veterans or active duty. However, USAA does sell exclusively to active and retired military personnel, so it doesn’t offer a discount as it already has discounted rates.
Why is military insurance important for military members and their families?
The discounted auto insurance rates on military insurance are important as they help military families find affordable auto insurance.
What different kinds of military insurance options are available?
Any coverage you would buy for a regular auto insurance policy will be available on a military insurance policy, but at a discounted rate.
What are the benefits of military insurance?
The benefit of military insurance is the discounted rates, which can save drivers as much as 15% on their auto insurance policies, depending on the insurance company.
What is USAA, and what services does USAA have?
USAA is an insurance company that sells insurance exclusively to active military, retired military, and their families. It offers multiple types of vehicle insurance, life insurance, health insurance, business insurance, and more.
What is Esurance, and what services does Esurance have?
Esurance is an insurance company that is a subsidy of Allstate. It sells auto insurance, renters insurance, homeowners insurance, and motorcycle insurance.
What coverage options are available for USAA and Esurance auto insurance for military families?
Both companies offer the following auto insurance coverages:
- Collision coverage
- Comprehensive coverage
- Liability coverage
- Medical payments (MedPay) coverage
- Personal injury protection (PIP) coverage
- Rental reimbursement coverage
- Roadside assistance coverage
- Underinsured motorist coverage
- Uninsured motorist coverage
Esurance also offers gap insurance, also known as loan or lease insurance.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for veterans interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance-related. We update our site regularly, and all content is reviewed by auto insurance experts.