Erie vs. USAA Auto Insurance in 2025 (Side-by-Side Review)

Erie vs. USAA auto insurance both start at $32 a month, but how each company helps drivers save couldn’t be more different.

Erie vs. USAA Auto Insurance Rating

Erie’s Rate Lock keeps your premium the same even if you file a claim. It also scores well on customer satisfaction, with a complaint index of just 0.64, according to the NAIC.

USAA, or United Services Automobile Association, takes a tech-forward approach with SafePilot, using your actual driving habits, like braking, phone use, and speeding, to calculate discounts up to 30%. Learn how in our USAA insurance review.

USAA is especially valuable for military families who drive safely and want their good habits to pay off. Find out how much you can save when you enter your ZIP code.

Comparing Erie vs. USAA Auto Insurance Costs

When it comes to monthly costs for auto insurance, this table lays out how Erie and USAA stack up against other major providers. Both companies stand out for offering budget-friendly options across the board. If you’re comparing cost alone, it’s clear that Erie and USAA lead in affordability at both coverage levels.

Auto Insurance Monthly Rates From Top Providers by Coverage Level

For minimum coverage, Erie and USAA tie at just $32 a month — lower than every other provider listed, including Geico at $43 per month and State Farm at $47 monthly. Full coverage auto insurance shows a similar pattern, with Erie charging $83 a month and USAA close behind at $84 per month, while Liberty Mutual tops the chart at a steep $248 monthly premium.

Erie vs. USAA Auto Insurance Rates by Age

When choosing between Erie and USAA auto insurance, age and gender play a big role in how much you’ll pay. The table below compares auto insurance for men vs. women.

Erie vs. USAA Auto Insurance Monthly Rates

Erie is more affordable for new teen drivers at $121 a month for females and $136 monthly for male drivers. That trend continues into the 30s, where Erie stays cheaper at $34 per month for women and $35 a month for men, compared to USAA’s $40 and $43 monthly rates.

At 45, both companies meet in the middle, with identical monthly rates of $33 for women and $32 for men. By age 60, USAA slightly takes the lead, charging $29 per month for women and $30 monthly for men, while Erie comes in a dollar higher. So, if you’re a younger driver, Erie may offer better value, but USAA pulls ahead for older, low-risk drivers.

Erie vs. USAA Auto Insurance Rates by Driving Record

If you’ve had a few bumps on the road, your driving record will affect how much you pay for full coverage. This table compares what Erie and USAA charge based on specific driving violations.

Erie vs. USAA Auto Insurance Monthly Rates by Driving Record

With a clean record, Erie comes in at $83 a month, just a dollar cheaper than USAA’s $84 per month. Get a speeding ticket, and Erie’s monthly rate jumps to $100, while USAA stays slightly lower at $96 a month. After a not-at-fault accident, Erie charges $118 per month, giving USAA a $7 edge.

Learn More: How Auto Insurance Companies Check Driving Records

Erie vs. USAA Auto Insurance Rates by Credit

This table compares how Erie and USAA adjust full coverage rates across credit tiers. If you’ve got good credit, USAA offers a better deal at $92 a month, while Erie charges $115 per month.

Erie vs. USAA Auto Insurance Monthly Rates by Credit Score

With fair credit, Erie jumps to $137 a month, compared to USAA’s $108 monthly rate, making a noticeable $29 difference. Things get steep with bad credit — Erie climbs to $190 per month while USAA stays lower at $138 a month, creating a $52 gap that could hit your budget hard.

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Erie vs. USAA Auto Insurance Discounts

If you’re looking for the best auto insurance discounts, Erie and USAA both have solid offers, but the savings vary depending on what you qualify for. This table gives a side-by-side look at how each company rewards different driver profiles.

Erie vs. USAA Auto Insurance Discounts

Erie offers 25% off for bundling and anti-theft devices, which is higher than USAA’s 10% and 15%. You’ll also get 20% off with Erie for taking a defensive driving course, while USAA gives just 5% for the same. USAA comes out ahead for good drivers and military members, offering 30% off in both categories compared to Erie’s 23% and 12%.

Both companies provide 10% multi-vehicle auto insurance discounts, which is a win if you’re insuring more than one car. While both match at 30% for usage-based programs, Erie stands out with an added 30% off for low-mileage drivers, and USAA finishes strong with a 25% membership discount, more than double Erie’s 10%.

Erie and USAA Auto Coverage Breakdown

When choosing auto insurance, it helps to know what you’re paying for—and that’s where Erie and USAA shine. They both include the must-have basics, but how those coverages protect you day-to-day makes all the difference.

Liability auto insurance is the foundation of any policy. It covers the other person’s medical bills and property damage if you cause an accident—so you’re not left footing the entire bill out of pocket. Then there’s collision coverage—it helps fix or replace your car if you crash into something or bump another vehicle. It’s necessary if you’re driving something newer or still paying off a loan.

Erie vs. USAA Auto Insurance Coverage

Comprehensive coverage protects you from the unexpected—like theft, fire, storm damage, or a shattered windshield. It kicks in when incidents don’t involve a crash. You should also consider medical payments (MedPay) or personal injury protection (PIP), which cover your medical expenses regardless of fault. Depending on your state’s laws and policy options, PIP may help with lost wages or rehab.

If you ever get hit by a driver with little or no insurance, uninsured and underinsured motorist coverage helps cover your costs so you’re not left paying out of pocket. Roadside assistance can be helpful if your battery dies, you get locked out, or you need a tow. And if your car’s in the shop after a covered accident, rental reimbursement helps keep you on the road without missing a beat.

What sets Erie and USAA apart are their extras. Erie includes Better Car Replacement and Rate Lock® to help keep your rate steady. USAA’s SafePilot® offers up to 30% off for safe driving and adds military-specific perks like storage discounts during deployment. Together, they provide practical protection that fits real-life needs.

Erie vs. USAA Customer Service Reviews

Choosing insurance isn’t just about price—it’s about how the company treats you when things go wrong. These ratings give a clearer picture of what it’s really like to be a customer with Erie or USAA.

Erie vs. USAA Auto Insurance Ratings & Customer Reviews

USAA’s 96 out of 100 from Consumer Reports shows most people are happy with how their claims and service are handled. Erie doesn’t score quite as high, but it stands out for having fewer complaints overall, which could mean customers face fewer issues to begin with.

A Yelp user shared a positive experience with USAA’s roadside assistance, highlighting two separate times they needed help. In their Yelp review, they said the service was fast, reliable, and included as part of their basic auto insurance.

What impressed them most was the clear communication and consistent support during both incidents. For anyone considering USAA, this Yelp feedback suggests even the standard roadside coverage offers dependable help when it’s needed most.

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Erie vs. USAA Financial Ratings

USAA’s A++ rating from A.M. Best shows it’s in excellent shape financially and well-equipped to handle major payouts. Erie’s A+ rating is still very strong, giving peace of mind that claims won’t be left hanging. So, while USAA gets high marks for day-to-day service, Erie may offer a smoother ride with fewer bumps along the way.

Market share doesn’t tell the whole story, but it does offer a glimpse into how many drivers trust each company. This chart compares how much of the auto insurance market Erie and USAA hold.

USAA makes up 6.0% of the national market, which reflects its broad reach and long-standing focus on military families. Erie holds 3.0%, which is solid considering it only operates in select states, mostly across the Midwest and East.

The other 91% belongs to larger companies like State Farm and Geico, which dominate through scale but not always through personalization. So, if you’re trying to choose an auto insurance company, USAA brings size and access, while Erie focuses on regional consistency and personal touch.

Erie Insurance: Pros and Cons

Erie Insurance Group is a great pick if you like knowing your rate won’t suddenly jump. It’s especially solid in the East and Midwest, where options may be limited.

• Flat Renewal Pricing After Claims: Erie Rate Lock stops your rates from increasing after a claim or accident. Your rates won’t change unless you move, add a vehicle, or add a driver.
• High Satisfaction in Billing Clarity: According to consumer surveys, Erie customers are more likely to understand their monthly statements compared to peers with larger carriers like Allstate or Nationwide.
• Savings for Minimal Driving Patterns: Drivers who average fewer than 8,000 miles annually may qualify for additional reductions, especially useful for retirees or those working remotely.

Erie is often the cheapest insurance company in its region, and it has ranked in the top spot for auto insurance satisfaction in the Mid-Atlantic U.S. for three straight years, according to J.D. Power.

Still, Erie’s strengths don’t apply universally. Its tech offerings and regional reach leave some drivers without access to newer features or broader convenience.

• No Mobile App for Policy Management: Unlike most competitors, Erie doesn’t offer a full-service mobile app, making tasks like ID card access or claim tracking less convenient for digital-first users.
• Regional Restrictions Limit Competitiveness: With no expansion west of Illinois or south of North Carolina, Erie can’t match the national scale needed for drivers who frequently relocate or maintain dual residences.

All told, this Erie insurance review shows the company delivers a refreshingly simple experience, strong on savings, and clear communication, but best suited for drivers staying local rather than those constantly on the move.

USAA: Pros and Cons

USAA truly excels in providing coverage designed specifically for military families, thanks to its advanced technology features and tailored coverage that addresses the unique needs of military members.

• 30% SafePilot Discount: SafePilot tracks braking, phone use, and speed in real-time and can shave up to 30% off your premium—ideal for careful drivers. See how it works in our USAA SafePilot review.
• Exceptional Financial Rating: USAA holds the highest A++ rating from A.M. Best, confirming its financial strength to pay out even under large-scale catastrophe scenarios.
• 6% National Market Share: USAA insures millions yet maintains low complaint ratios and high satisfaction scores with a Consumer Reports rating of 96/100.

If you’re someone who likes your insurance to keep up with your driving habits and live mostly on your phone, USAA’s setup feels like a perfect fit.

Still, there are some hurdles that may give certain drivers pause, including the main caveat that only active and retired military members can buy USAA auto insurance.

• Strict Eligibility: Only active-duty members, veterans, and their immediate families can apply—civilian drivers are not eligible, no matter their risk profile.
• Limited Local Access: USAA has no physical branches, which may be frustrating for those who prefer face-to-face service for claims or account updates.

That said, if you’re eligible and don’t mind managing things through your phone or computer, it highlights how it delivers some of the most tailored savings and dependable service out there.

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How to Save With Erie vs. USAA Auto Insurance

When comparing Erie vs. USAA auto insurance, each one brings a unique strength to the table: Erie’s Rate Lock keeps your premium from changing after a claim, while USAA’s SafePilot gives safe drivers a shot at big discounts.

If you’re trying to cut back on auto insurance costs, Erie Insurance Group and USAA both offer smart ways to reward safe driving. Here are a few ways drivers are saving with each provider:

• Enroll in USAA’s SafePilot to save up to 30% based on how safely you drive.
• Use Erie’s YourTurn app to earn $10 every two weeks if you’re under 23 or $5 if you’re older.
• Drive phone-free, brake smoothly, and avoid speeding to improve your score.
• Younger drivers can take advantage of Erie’s boosted rewards for safe habits.

While USAA’s program helps lower your premium, Erie turns good driving into gift cards for popular spots like Amazon and Starbucks. Both options give you more control over what you pay, and a reason to stay safe on the road.

Erie is among the cheapest auto insurance companies in the East or Midwest U.S., while USAA is great for military families who like managing things digitally. Both offer ways to save: Erie with low mileage and anti-theft discounts, and USAA with perks for good driving and membership. Enter your ZIP code and compare plans—it’s the easiest way to find what actually works best for you.