Esurance vs. AAA Insurance

Which insurance company is right for you? Compare cost, savings, and quotes from Esurance and AAA.

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Esurance vs. AAA: What You Need to Know

Founded in 1999 and purchased by Allstate in 2011, Esurance has the spirit of a startup but the backing of Allstate as a multiline insurance company with an A+ financial rating. Using state-of-the-art technology, Esuranceoffers online and mobile services that enable a more efficient payment and claims process. Esurance sells the vehicle and property insurance around the county, and they are still growing. In 1999, Jean-Bernard Duler, Jeffrey L. Goodman, Huyen Bui, David Griffin, and Charles Wallace found Esurance as one of the first insurance companies to sell policies directly to consumers online, without the need for in-person meetings or telephone calls.

On March 4, 1902, nine automobile clubs joined together to form the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of13,000 facilities. Members can call or use the AAA Roadside or CAA Roadsideapp for android or iPhone to get help.

Below is a list of average rates, rankings, products, and discounts for the two companies. For full company overviews, you can visit Esurance Overview and Auto Club Group Overview.

Esurance vs. Auto Club Group: How much are the Average Rates?

Below is a list of the average rates that drivers typically pay with Esurance and Auto Club Group. On average, Esurance charges approximately $243.85 per month while Auto Club Group comes in at around $308.58 per month. For Esurance, the cheapest state average is Utah at $130.99 per month and the most expensive is New York at $495.98 per month. For Auto Club Group, the cheapest state average is Wisconsin at $120.62 per month and the most expensive is Michigan at $380.60 per month.

Esurance

Average Rate

$243.85
Auto Club Group

Average Rate

$308.58
National

Average Rate

$119.16
State Esurance Auto Club Group
Arizona $164.11 -
California $140.18 -
Colorado $173.51 -
Illinois $139.56 $304.02
Maryland $351.38 -
Michigan $268.66 $380.60
Minnesota- $211.82
Nebraska- $163.17
New Jersey $238.26 -
New York $495.98 -
Pennsylvania $199.92 -
Texas $196.96 -
Utah $130.99 -
Wisconsin- $120.62

Esurance vs. Auto Club Group: Rates by Number of Vehicle

Home

Drivers will typically get a discount if they insure multiple vehicles. Here is a list of average rates that Esurance and Auto Club Group typically charge for drivers who have more than 1 vehicle.

Number of Vehicles Esurance Auto Club Group
1 Vehicle $237.26 $296.03
2 Vehicles $267.74 $345.99
4 Vehicles $413.95 $
3 Vehicles $462.87 $559.43

Esurance vs. Auto Club Group: Rates by Homeownership

Home

Drivers who own their home rather than rent can sometimes get a small discount. We found that on average Esurance charges $212.68 per month and Auto Club Group charges $297.44 per month for customers who own their home.

Own/Rent Esurance Auto Club Group
Own $212.68 $297.44
Rent $257.57 $315.38

What is Esurance and AAA Insurance Rating?

Which car insurance company is better? We've made it easy to compare companies side by side. See how Esurance and AAA ranked among the industry ratings.

ComparisonEsuranceAAA
Year Founded19991902
A.M. Best RatingA+A-
BBB RatingA-A+
Financial StrengthAbove AverageExcellent
NAIC Complaint Ratio1.140.53
S&P RatingAA-A+

Esurance or AAA: Insurance Products Offered

What coverage is available through Esurance and AAA? Both insurance companies offer Auto, Commercial, Home, Life, Renters, and RV insurance. Additional products from Esurance insurance also includes Condo, Health, Motorcycle, Pet, and Umbrella insurance. Considering these two top insurance providers? Check out the list below. To view a full list of products that are available, visit Esurance and Auto Club Group Insurance page.

InsuranceEsuranceAAA
Auto Insurance
Commercial Insurance
Condo Insurance
Health Insurance
Home Insurance
Life Insurance
Motorcycle Insurance
Pet Insurance
Renters Insurance
RV Insurance
Umbrella Insurance

Esurance or AAA: Ways To Save

AAA offers a wide range of discounts to its policyholders, including Good Student, Loyalty, and Multi-policy discounts. Whereas, Esurance also offers a few discounts that AAA doesn’t, including Switch & Save®, Safety Device, and Renters Plus® discounts. Start taking advantage of discounts offered by insurance providers like AAA and Esurance insurance and save yourself some money. You can review the full list of discounts that these two companies offer below.

EsuranceAAA
Anti-lock Brakes DiscountGood Driver Discount
Anti-theft DiscountGood Student Discount
Claim-free DiscountLoyalty Discount
Defensive Driver DiscountMulti-policy Discount
Emergency Road Assistance DiscountMulti-vehicle Discount
Fast 5 Discount®Verified Mileage Discount
Good Driver Discount
Good Student Discount
Homeowners Discount
Multi-car Discount
Multi-policy Discount
Online Shopper® Discount
Paid-in-full Discount
Renters Plus® Discount
Safety Device Discount
Switch & Save® Discount

Pros & Cons of Esurance & AAA

Pros

Esurance
  • Very few complaints from customers.
  • It has fewer customer complaints than the industry median, relative to its size.
  • Backed by Allstate, a large insurer that is financially sound.
  • Esurance is available in most states.
AAA
  • With a membership with AAA means discounts and services like identity theft.
  • Membership can be valuable for frequent travelers.

Cons

Esurance
  • Does not score very high on the repair process
  • Prices are a bit higher than other budget insurers like Progressive and Geico
AAA
  • The annual fee for membership.
  • Membership required to buy car insurance.

Esurance or AAA Mobile Apps Options

The Esurance mobile app is available for iOS and Android.

On March 4, 1902, nine automobile clubs joined together to form the American Automobile Association. Since then, AAA has been a pioneer in the future of transportation in its fight for better roads. In 1915, AAA was the first to introduce a service for roadside service, which is one of the most valued components of an AAA membership because of its network of13,000 facilities. Members can call or use the AAA Roadside or CAA Roadsideapp for android or iPhone to get help.

Esurance Mobile App
iOS     4.81,194 user reviews
Android     4.78,655 user reviews
AAA Mobile App
iOS     4.66.4K user reviews
Android     4.34,061 user reviews

Esurance & AAA Contact Info

Esurance Contact Info
Address650 Davis Street, San Francisco, CA 94111
Phone1-800--378-7262
Websitehttps://www.esurance.com/
Facebookhttps://www.facebook.com/Esurance/
Twitterhttps://twitter.com/esurance
Youtubehttps://www.youtube.com/channel/UCpp4vbWpy_aTBhmhigENpHw
Linkedinhttps://www.linkedin.com/company/esurance/
AAA Contact Info
Address1225 Freeport Pkwy, Coppell, TX 75019, US
Phone1-877-387-8378
Websitehttps://www.aaa.com/
Facebookhttps://www.facebook.com/AAAFanPage/
Youtubehttps://www.youtube.com/user/AAA
Twitterhttps://twitter.com/AAA4lyfe
Linkedinhttps://www.linkedin.com/company/aaa/

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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