Erie vs USAA Car Insurance for 2023
In the comparison between Erie and USAA car insurance providers, we analyze their offerings, rates, and unique features to aid you in making an informed decision.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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 anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 25, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance 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.
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Navigating the sea of options can be overwhelming, with rates often hinging on various factors. A comprehensive analysis of data reveals a clear distinction between Erie and USAA in terms of rates, considering critical variables such as credit score, mileage, coverage level, and driving record. This examination unveils actionable insights for consumers seeking the most advantageous rates tailored to their unique profiles. Whether you prioritize affordability, maintain a stellar driving record, or fall within a specific credit bracket, our subheadings below succinctly summarize key data insights, guiding you towards the optimal choice based on your individual circumstances.
| Factor | Erie | USAA |
|---|---|---|
| Clean Record | $58 | $59 |
| 1+ Ticket | $70 | $67 |
| 1+ Accident | $82 | $78 |
| DUI | $107 | $108 |
| Poor Credit | $100 | $101 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discount | Erie | USAA |
|---|---|---|
| Anti Theft | 7% | 12% |
| Good Student | 11% | 10% |
| Low Mileage | 9% | 5% |
| Paperless | 6% | 3% |
| Safe Driver | 16% | 15% |
| Senior Driver | 12% | 3% |
Erie Car Insurance
Pros:
- Established History: Erie Insurance has been in operation since 1925, providing a long history of reliable service.
- Competitive Rates: Erie offers competitive rates, ranking as one of the cheapest car insurance providers in the United States according to WalletHub.
- Diverse Coverage: They offer a variety of insurance products, including auto, home, life, and business insurance.
- Positive Customer Satisfaction: Erie received a high rating in the Mid-Atlantic region in J.D. Power’s 2022 U.S. Auto Insurance Satisfaction Study.
Cons:
- Limited Availability: Erie’s services are available in only 12 states and the District of Columbia, potentially limiting options for some customers.
- Membership Restrictions: Erie does not offer specialized benefits for military personnel or their families.
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USAA Car Insurance
Pros:
- Military Focus: USAA caters specifically to current and former military personnel and their families, offering tailored benefits and coverage options.
- Competitive Rates: USAA is ranked as one of the cheapest car insurance providers in the United States.
- Comprehensive Services: USAA offers a range of financial products and services beyond insurance, including banking and investment services.
- Positive Customer Satisfaction: USAA ranked first overall in J.D. Power’s 2022 U.S. Auto Insurance Satisfaction Study.
Cons:
- Membership Requirement: USAA is only available to current and former military personnel and their families, excluding the general population.
- Limited Geographic Coverage: Although available in all 50 states and Washington, D.C., USAA’s specialized focus may not appeal to everyone.
Best Car Insurance Company: Erie vs. USAA
When it comes to choosing the best car insurance company between Erie and USAA, several factors come into play. The two primary considerations are rates and the offerings provided by each insurer. After carefully evaluating both Erie and USAA car insurance providers based on their rates and offerings, a clear verdict emerges.
Competitive Rates: USAA consistently ranks as one of the cheapest car insurance providers in the United States, making it an appealing option for those seeking affordability without compromising on coverage.
Specialized Benefits: USAA’s focus on serving current and former military personnel and their families offers unique benefits, including deployment discounts, storage protection, and roadside assistance. This specialized approach caters to the specific needs of its target audience.
Extensive Geographic Coverage: USAA’s presence in all 50 states and Washington, D.C. ensures accessibility to a broader range of customers, while Erie’s limited geographic coverage might pose a restriction for some.
Positive Customer Satisfaction: USAA’s top ranking in J.D. Power’s 2022 U.S. Auto Insurance Satisfaction Study underscores the company’s commitment to customer service and satisfaction.
While Erie Car Insurance certainly has its strengths, including a well-established history and competitive rates, USAA’s tailored approach to military personnel, its broader geographic reach, and the highest customer satisfaction rating make it the best choice when considering all factors.
Erie Car Insurance
Erie Insurance, founded in 1925 by H.O. Hirt and O.G. Crawford in Erie, Pennsylvania, has a rich history spanning nearly a century. The company’s mission has always been to provide “quality insurance products and services at a reasonable price.”
Over the years, Erie has expanded its offerings to include a wide range of insurance products, such as auto, home, life, and business insurance. However, its services are currently available in just 12 states and the District of Columbia, which may limit its accessibility to customers in certain regions.
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USAA Car Insurance
USAA, established in 1922, has its roots in a group of Army officers who aimed to insure each other’s vehicles. Today, it serves over 13 million members and their families, making it one of the largest and most influential insurance providers in the United States.
USAA’s mission is to “facilitate the financial security of its members, associates, and their families through the provision of a full range of highly competitive financial products and services.” In addition to insurance, USAA offers a comprehensive suite of financial services, including banking and investment services.
What sets USAA apart is its exclusive focus on serving current and former military personnel and their families, making it a trusted choice for those in the armed forces. USAA offers auto insurance in all 50 states and Washington, D.C., providing extensive geographic coverage.
Products and Services
Erie and USAA both offer a range of auto insurance products, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. Erie also offers coverage for rental cars and pet injury expenses.
USAA offers additional benefits for military personnel and their families, including deployment discounts, storage protection, and roadside assistance. Both companies offer 24/7 claims support and a variety of discounts.
Cost
The cost of car insurance varies depending on a number of factors, including your driving record, the type of vehicle you drive, and where you live. According to WalletHub’s 2022 analysis of car insurance rates, Erie is the fifth-cheapest car insurance company in the United States, with an average annual premium of $1,051.
USAA is the second-cheapest, with an average annual premium of $902. However, it’s important to note that these rates are based on a hypothetical driver with a clean record and good credit, so your actual rates may vary.
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Discounts Available for Customers
Both Erie and USAA offer a variety of discounts to help you save on your car insurance premiums. Erie offers discounts for safe driving, multi-car policies, and bundling with other insurance products. USAA offers discounts for safe driving, good grades, and bundling with other USAA products.
USAA also offers a discount for military personnel who garage their car on base during deployment. Be sure to ask your insurance agent about all available discounts to see which ones you qualify for.
Case Studies: Evaluating Erie vs USAA Car Insurance Fictional Case Studies
Case Study 1: John’s Experience With Erie Car Insurance
John, a resident of Pennsylvania, was looking for car insurance that provided reliable coverage at an affordable price. After conducting thorough research, he decided to go with Erie Car Insurance. John was impressed by Erie’s long-standing history and their mission to offer quality insurance products at a reasonable price.
Case Study 2: Sarah’s Experience With USAA Car Insurance
Sarah, a military personnel stationed in Virginia, needed car insurance that catered to her specific needs. She decided to explore USAA Car Insurance, known for its dedication to serving current and former military personnel and their families. Sarah found USAA’s auto insurance offerings to be extensive, with additional benefits like deployment discounts, storage protection, and roadside assistance.
Case Study 3: Mark’s Comparison of Erie and USAA Car Insurance
Mark, a driver from Washington, D.C., wanted to find the best car insurance provider for his specific needs. He decided to compare Erie and USAA Car Insurance to make an informed decision. After evaluating both options, Mark found that Erie Insurance offered competitive rates, ranking as the fifth-cheapest car insurance company in the United States according to WalletHub’s analysis.
A Comprehensive Look at Claims: Erie vs. USAA
Ease of Filing a Claim
Both Erie and USAA offer convenient ways to file insurance claims, ensuring a hassle-free experience for their customers. You can file a claim with both companies through various methods, including online, over the phone, or using their mobile apps. This flexibility allows you to choose the method that suits your preferences and needs.
Average Claim Processing Time
The speed at which an insurance company processes claims is crucial, as it directly impacts how quickly you can get back on the road after an accident. While the specific claim processing times may vary depending on the complexity of the claim, both Erie and USAA are known for their efficient claims processing. However, it’s advisable to inquire with each company about their average processing times for your specific type of claim.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback can provide valuable insights into an insurance company’s claim resolution process and the satisfaction of policyholders. Both Erie and USAA have received positive feedback regarding their claim resolutions and payouts. To get a better understanding of customer experiences, consider reading reviews and testimonials or reaching out to current policyholders to gather firsthand insights.
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A Close Look at Digital Capabilities: Erie vs. USAA
Mobile App Features and Functionality
In today’s digital age, having a user-friendly mobile app can enhance your overall insurance experience. Both Erie and USAA offer mobile apps that allow you to manage your policies, file claims, access important documents, and even make payments on the go. It’s worth exploring the specific features and functionalities of each company’s mobile app to determine which one aligns better with your preferences.
Online Account Management Capabilities
Online account management is a convenient way to access and update your insurance information, including policy details and payment options. Both Erie and USAA provide robust online account management capabilities through their websites.
You can review policy information, make changes, and view important documents at your convenience. Be sure to explore the online account features offered by each company to see which aligns best with your needs.
Digital Tools and Resources
Insurance companies often offer digital tools and resources to help customers make informed decisions and better understand their coverage options. These tools may include calculators, educational articles, and resources to help you assess your insurance needs.
Both Erie and USAA may provide such resources, so take the time to explore their websites to access valuable information that can assist you in making well-informed insurance choices.
Customer Reviews
Customer satisfaction is an important factor to consider when choosing a car insurance provider. According to J.D. Power’s 2022 U.S. Auto Insurance Satisfaction Study, Erie ranks second in the Mid-Atlantic region, with a score of 846 out of 1,000.USAA ranks first overall, with a score of 889 out of 1,000.
Both companies also received high scores in the areas of policy offerings, price, and claims handling. Additionally, both companies have an A+ rating from the Better Business Bureau.
Frequently Asked Questions
Can I get a quote online from Erie and USAA?
Yes, both Erie and USAA offer the convenience of obtaining car insurance quotes online through their respective websites. Simply enter the necessary information, and you can receive a personalized quote.
Do USAA and Erie provide insurance services nationwide?
USAA offers car insurance in all 50 states and Washington, D.C., making it accessible across the United States. In contrast, Erie’s services are available in 12 states and the District of Columbia, which may limit its geographical coverage.
What digital capabilities do Erie and USAA offer for managing policies and claims?
Both Erie and USAA offer mobile apps with features for managing policies, filing claims, accessing important documents, and making payments. They also provide online account management capabilities through their websites. Customers can review policy information, make changes, and access essential documents with ease.
Can I bundle my car insurance with other insurance products with Erie and USAA?
Yes, both Erie and USAA offer bundling discounts. Policyholders can bundle their car insurance with other types of insurance, such as home or life insurance, from the same company to potentially save on premiums.
Are there any notable differences in pricing between Erie and USAA?
USAA ranks as the second-cheapest car insurance provider with an average annual premium of $902, while Erie ranks fifth with an average annual premium of $1,051. It’s important to remember that these rates are based on hypothetical drivers with clean records and good credit; actual rates may vary based on individual circumstances.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.