AAA vs. Esurance: Which Company is the Best Fit for You?

You've probably seen ads offering big savings on auto insurance, but are AAA or Esurance right for you? Which company offers the lowest rates, or the most discounts? Read on to see how AAA and Esurance compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Esurance offers slightly less expensive premiums than AAA
  • AAA tends to be a much more affordable option for residents of urban areas
  • Esurance has cheaper prices for drivers who have received a ticket within the last few years

AAA vs. Esurance: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to AAA or Esurance for your next policy, but between the two, which company will offer you more affordable rates?

AAA Esurance

Looking at nationwide averages, Esurance is about $15 per month less expensive than AAA.

That being said, that doesn't mean Esurance will necessarily be cheaper than AAA for each driver. Auto insurance companies vary their premiums depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and a variety of other factors. So, at the end of the day, prices from each company will differ quite a bit from person to person.

Luckily, we've broken down average premiums from both AAA and Esurance by a bunch of different rate factors, so read on to find out which carrier is the best for you.

AAA or Esurance: Average Car Insurance Rates by State

State AAA Esurance

AAA and Esurance compete against each other in four states, with Esurance offering less expensive prices to the average driver in all of them. If you live in Texas, AAA is the more affordable of the two carriers when looking at the overall average rates. Esurance is the cheaper option in Arizona, California, and Missouri.

There's a lot more that goes into your insurance bill than just the state you live in. Read on to learn more.

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Which is the Best Company For Young Drivers?

AAA Esurance
18-year-old drivers$689$711
25-year-old drivers$276$233

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $20 less a month by choosing AAA over Esurance.

However, with both companies, you'll see your rates reduce significantly by the time drivers turn 25. For example, average premiums for AAA policyholders lower nearly 60% and Esurance's rates drop over 65% over that time.

Which is the Best Company for Retired Drivers?

AAA Esurance
65+-year-old drivers$238$232

Once you approach retirement age, you'll typically enjoy the most affordable auto insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

When looking at AAA and Esurance specifically, which company is best for retired drivers? Esurance gets the slight edge here, with average rates coming in at around $232 a month compared to AAA's $238. Even so, that difference is less than 5%, which means it ultimately will come down to other factors, such as your driving record is or your credit score.

Which is the Best Company for Married Drivers?

AAA Esurance

Married drivers tend to get slightly more affordable car insurance prices than single policyholders. That's because policies for married couples usually cover more than one car, which several carriers will offer you a discount for.

If you're in the market for auto insurance, Esurance tends to have the cheapest average premiums regardless of relationship status, with prices about 2% less expensive for those who are single and almost 10% cheaper for married policyholders.

AAA vs. Esurance: Average Rates by Gender

AAA Esurance

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to car insurance men will generally end up paying a little more.

Typically, men see prices more than 10% per month higher with AAA, and around 7% more with Esurance.

When it comes to the lowest premiums for each gender, Esurance comes out on top for both men and women. On average, women save about $9 a month and men save about $22 with Esurance compared to the average AAA policyholder.

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AAA or Esurance: Compare State Minimum vs. Full Coverage Rates

AAA Esurance
State Minimum*$169$201
Full Coverage**$459$396

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance isn't the easiest topic to understand. There are multiple different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But most policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

In this case, AAA offers the most affordable average rates for state minimum limits for liability insurance, while Esurance has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $30 with AAA Insurance, while full coverage comes out to be around $65 more affordable with Esurance.

Is AAA or Esurance Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and collisions lead to higher premiums, but which carrier -- AAA or Esurance -- has the cheapest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

AAA Esurance
Clean Record$213$242
1 Speeding Ticket$299$287

AAA policyholders can expect their rates to go up an average of $86 per month if they get a ticket, while Esurance typically raises prices about $45 a month, on average.

If you have a clean record, AAA tends to offer the best premiums at around 12% less expensive, while Esurance has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

AAA Esurance
Clean Record$213$242
1 At-Fault Accident$339$364

AAA policyholders who get in an accident can expect to see their rates rise by over 35%, while those who have insurance through Esurance will see about a 35% increase.

Overall, drivers who use AAA end up with the cheaper prices after an accident, with monthly premiums averaging $339 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

AAA Esurance
Clean Record$213$242
1 DUI$403$301

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. AAA drivers usually see a 47% increase in their car insurance prices after a DUI charge, while Esurance will normally raise rates by around 20%.

If you have a DUI on your record and are looking for more affordable premiums, Esurance tends to be the much cheaper option with average prices of $301 monthly compared to $403 from AAA.

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How does Credit Score Impact AAA and Esurance Rates?

Did you know that many insurance companies take your credit score into account when calculating rates? This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of drivers.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the best premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

AAA Esurance
Excellent Credit Score$185$214
Good Credit Score$247$266

If you have a great credit score, you'll usually find a better deal with AAA. Policyholders with "excellent" credit can save just under 15% compared to Esurance, and those with "good" scores can also expect to see savings -- about $19 or 7% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

AAA Esurance
Fair Credit Score$304$305
Poor Credit Score$539$424

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best rates. Drivers with "fair" credit pay around $1 less with AAA than Esurance, but those whose credit is considered "poor" have it flipped -- saving about $115 per month with Esurance.

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Is AAA or Esurance Better for Drivers who Work from Home or Have Short Commutes?

AAA Esurance
6,000 Annual Miles$307$298
12,000 Annual Miles$320$299

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly auto insurance payment? That's because the more miles you put on your car, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Esurance offers cheaper prices than AAA. AAA average premiums for drivers with 6,000 annual miles come in around $9 more expensive than Esurance. Those who drive 12,000 miles yearly can expect to pay about $21 more with AAA over Esurance.

AAA vs. Esurance: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a considerable impact on your monthly insurance cost. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

AAA Esurance
Urban Areas$384$396
Suburban Areas$301$288
Rural Areas$256$211

Esurance usually comes out as the less expensive option for drivers in rural and suburban areas, while AAA wins in urban areas.

Those in rural areas can expect to pay around $211 per month with Esurance and $256 with AAA. People in suburban areas pay a monthly rate of about $288 with Esurance compared to $301 with AAA. In urban areas, AAA's average prices are around $384 a month compared to Esurance's $396.

AAA vs. Esurance Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've taken a look at all of the different discounts AAA and Esurance offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

AAA Esurance
AAA Discount 
ABS Discount 
Academic Discount 
Advance Quote Discount
Agency Transfer Discount 
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
DriveSharp Discount 
DRL Discount 
Education Discount 
EFT Discount 
Employee Discount 
Garage Discount 
Good Driving Discount
Good Payer Discount 
Good Student Discount
Group Discount

AAA knocks Esurance out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Esurance.

Both companies offer a lot of the same discounts -- like anti-theft discounts, discounts for being a good driver, discounts for being a good student, and mature driver discounts -- but AAA also offers AAA discounts, academic discounts, COVID-19 relief discount, and more that Esurance does not.

On the flip side, Esurance has a couple unique discounts of its own -- ABS discounts, agency transfer discounts, DRL discounts, and more.

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Final Thoughts: Is AAA or Esurance Best for You?

So, you've seen how different variables can affect your insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, is AAA or Esurance the right one for you and your specific needs?

Esurance might be best for you if....

  • You have a speeding ticket on your driving record.
  • You live in a rural neighborhood.
  • You drive often but have a short commute.

AAA might be best for you if...

  • You have a clean driving record, free of accidents, tickets, or DUIs.
  • You have above-average credit.

We hope this guide helps you get a good idea of the differences between AAA and Esurance. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just AAA and Esurance. Luckily, does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

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AAA vs. Esurance FAQs

Is AAA or Esurance cheaper?

Looking just at the national average premiums, Esurance is the more affordable of the two carriers, offering average rates of $299 per month compared to $314 for AAA. However, Esurance won't necessarily be the cheapest company for each driver, since there are many different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, AAA or Esurance?

Unfortunately, the real answer is "it depends.". Neither carrier is "better" for every driver -- it all boils down to your unique insurance profile. For example, Esurance offers cheaper prices for drivers with a recent DUI, while AAA is less expensive for drivers with excellent credit.

Why do AAA and Esurance offer me different rates?

Car insurance companies take a look at quite a few different variables when determining the rates they charge drivers. Things like where you call home, where your home is, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both AAA and Esurance use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if AAA or Esurance is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be AAA or Esurance at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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