Which is better – USAA or Erie?

USAA is a fantastic pick for car insurance for individuals in the military community who want great premiums, excellent customer satisfaction and other benefits. While USAA is a solid choice, it was not included in Insure.com’s top auto insurance companies in 2023 because it is unavailable to people outside the military community.

Erie Insurance was included on Insure.com’s list of top auto insurance providers in 2023, and ranked sixth overall, receiving 3.2 stars. Erie’s high rating for renewals speaks volumes about the auto insurance provider, which offers excellent customer service and superior auto claims service. 

To find out more about how USAA and Erie compare in Insure.com’s top auto insurance companies in 2023 survey, keep reading.

Tip iconPros – USAA vs. Erie


  • Excellent choice for military members and their families
  • High customer satisfaction levels
  • Affordable premiums

Erie Pros

  • Excellent customer satisfaction rankings
  • High renewal rates
  • Superior J.D. Power score for auto claims satisfaction

How USAA and Erie score on customer satisfaction

Both USAA and Erie received high rankings for customer satisfaction. Although USAA ranked four points higher than Erie, Erie still had a great showing overall for customer satisfaction.

Insurance Company
Percent of customers that are satisfied

Do USAA and Erie customers plan to renew?

USAA and Erie both have renewal rates of 100%, which are the highest scores in the survey, along with Amica. So, USAA and Erie are both winners in the renewal category.

Insurance Company
Percent of customers who plan to renew with the company

How USAA and Erie score on policy offerings

The data from the Insure.com study indicate that policy offerings are another category in which USAA and Erie have similar results, but USAA’s score was 5 points higher than Erie’s.

Insurance Company
Percent of customers satisfied with the company’s policy offerings

Which is cheaper, USAA or Erie?

It’s a close call between USAA and Erie for cheap insurance rates. Across the board, USAA is the more affordable insurance, but Erie is also a great option for cheap car insurance. Read on for a greater in-depth look comparing USAA and Erie’s rates based on various driver profiles.

Which is cheaper at various ages?

USAA is more affordable in every age group than Erie – except when it comes to rates for teen drivers. See rates for teens, young adults and senior drivers in the table below.

Annual average car insurance rates for USAA vs. Erie
Age GroupUSAA
National Avg (40)$1,192$1,254
Teen (16-19)$3,888$3,664
Young Adult (20-24)$1,894$2,244
Avg for seniors (65)$1,115$1,253

Which is cheaper with a ticket?

USAA remains more affordable than Erie even when taking a ticket into consideration, although USAA rates increase more than 20% and Erie’s rates increase less than 14% with a ticket.

Annual average car insurance rates after a ticket for USAA vs. Erie
Insurance CompanyAverage Annual RatesAverage Rates After Ticket$ Increase% Increase

USAA vs. Erie: AM Best credit rating 

AM Best, which rates insurance companies on their financial strength, gave USAA an A++ rating and Erie an A+ rating, both fantastic scores, although USAA’s rating is superior.

USAA vs. Erie: J.D. Power auto claims satisfaction score

According to a 2022 auto claims satisfaction study from J. D. Power, Erie received a high score of 893 for auto claims satisfaction, which is well above the industry average of 873. USAA also ranked above the industry average of 873 with a fantastic score of 890, but it did not receive an indexed rating since it did not meet study award criteria, according to J.D. Power.

FAQ: USAA vs. Erie

Can I buy USAA car insurance online?

Military service members and family members can get an online quote using the USAA website. Just enter your background information, including your name, job and military service details, and start the online quote process.

Can I buy Erie car insurance online?

Yes, by providing details about yourself, any vehicles for which you want coverage and who the drivers are in your household, you can get a free insurance quote online with Erie.

Who should get USAA car insurance?

USAA is available to individuals in the military community who want great premiums, excellent customer satisfaction and an auto insurance provider that is highly ranked for financial strength.

Who should get Erie car insurance?

Erie is the better choice of the two for individuals who are not military members and want fantastic customer satisfaction, great auto claims satisfaction and good discounts, including a discount for reduced vehicle usage.

What other types of insurance does USAA offer?

USAA also offers:

  • Life 
  • Renters 
  • Homeowners 
  • Valuable personal property (VPP) 
  • Flood 
  • Life 
  • Annuities
  • Umbrella 
  • Dental 
  • Accidental injury 
  • Mobile home 
  • Farm and ranch 
  • Collectibles 
  • Pet 
  • Travel 
  • Special event 

What other types of insurance does Erie offer?

Erie also offers:

  • Home
  • Renters
  • Condo
  • Mobile home
  • Personal valuables
  • Flood
  • Life
  • Business

Resources & Methodology


J.D. Power. “Insurers Struggle to Manage Expectations in Auto Claims Process as Repair Times Increase, J.D. Power Finds.” Accessed March 2023.


Insure.com, which is CarInsurance.com’s sister site in the fall of 2022 surveyed more than 1,500 insurance consumers (1,080 people with auto insurance). Online market research company Slice MR conducted the survey. 

Respondents were asked to name their auto insurer and grade it in the following categories – customer satisfaction, ease of service and policy offerings. The percentage of respondents who said they were satisfied or very satisfied with their insurer is presented in the results.

Respondents ranked their insurer’s top three attributes out of more than a dozen presented – including claims satisfaction, digital experience, discounts, military discounts, best for young drivers and teens, best for college students, best for senior drivers, best for drivers with a ticket, best for high-risk drivers and best for auto/home bundling.

For a number one choice, five points were given; for a second choice, three points; and for a third choice, a single point. The total points for each choice – first, second and third – were then divided by the number of each company’s customers who responded to that survey question to create a percentage. Those percentages are presented in the results as survey scores.

Respondents were then asked if they would recommend their auto insurer to someone else and whether they would renew with their company. The percentage who said yes is presented in the results.

Finally, respondents were given the statement “I trust my insurance company” and asked if they strongly agreed, agreed, disagreed or strongly disagreed with it. The percentage of those who said they agreed or strongly agreed is presented in the results.

The editors compiled the survey results and then selected – based on the number of survey responses – the top companies for further evaluation. 

They then collected National Association of Insurance Commissioners’ complaint data, which ranks a company by the number of customer complaints it receives, and A.M. Best data, which measures financial strength. 

They also collected insurance rate data from Quadrant Information Services.

With the help of Prof. David Marlett, Ph.D., Managing Director of the Brantley Risk and Insurance Center at Appalachian State University, the editors created a rating system to determine which insurance companies were best in each sector.

For auto insurers, we took the following and gave each a weight.

  • Survey: 40% of the total score (10% customer satisfaction, 10% recommended, 10% renewal rate and 10% claims handling)
  • Annual premium: 20% of total score
  • AM Best: 25% of total score
  • NAIC: 15% of total score
  • Each insurer was awarded from 1 to 5 stars. No insurer in our star ranking received less than 1 star and 5 stars was the most any insurer could receive.
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Contributing Researcher

Maggie has twenty years of experience working in media. She is a writer and editor on car insurance and related issues. Before joining Insure.com, she reported on health, education and lifestyle for magazines, websites and newspapers in Nevada.