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Erie Insurance vs USAA

Side-by-side car insurance comparison based on rates across all available locations

Lower Avg Rate

Erie Insurance

4.7

Avg Monthly

$88/mo

Best Rate

$71/mo

Best For

Claims service

Top Discount

Reduced usage 25%

Available In

8 locations

VS

USAA

4.9

Avg Monthly

$94/mo

Best Rate

$50/mo

Best For

Military families

Top Discount

Loyalty 10%

Available In

11 locations

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Rate Comparison by State

Erie Insurance cheaper: 0USAA cheaper: 0

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Which Should You Choose?

Erie Insurance and USAA are evenly matched — each is cheaper in 0 of 0 states where both operate.

USAA has a higher average customer rating (4.9/5) compared to Erie Insurance (4.7/5). However, ratings can vary by state and coverage type.

Erie Insurance is generally best for claims service, while USAA stands out for military families. The right choice depends on your priorities — lowest price, best service, or specific discounts.

Get a Erie Insurance QuoteGet a USAA Quote

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Erie Insurance vs USAA — FAQs

Is Erie Insurance cheaper than USAA?
Erie Insurance is cheaper in 0 of 0 states where both operate. However, rates vary by location, so USAA may be cheaper in your area. Always compare quotes for your specific state and circumstances.
Which has better ratings — Erie Insurance or USAA?
Erie Insurance has an average rating of 4.7/5, while USAA averages 4.9/5 across all states. Both are well-established insurers with strong financial stability.
What discounts does Erie Insurance offer vs USAA?
Erie Insurance's top discount is "Reduced usage 25%", while USAA offers "Loyalty 10%". Both insurers offer multi-policy, good driver, and other standard discounts — check each insurer's site for the full list.
Can I switch from Erie Insurance to USAA?
Yes. You can switch car insurance at any time, though it's usually best to switch at renewal to avoid cancellation fees. Get quotes from both Erie Insurance and USAA to compare rates for your specific situation.
Which is better for my state?
It depends on where you live. Use the rate comparison table above to see which insurer is cheaper in your state. Factors like your driving record, age, and vehicle also affect your personal quote.

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