USAA vs. Esurance for Military Auto Insurance

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.

Average Full Coverage Auto Insurance Rates by Driver Age at USAA

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.

 

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