USAA vs. Allied

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USAA or Allied:
Which Company is Best for You?

Choosing a car insurance company is complex: every company's rates differ based on your location, vehicle, and driving record, and companies offer an array of discounts. USAA and Allied are among the nation's most popular insurance companies, providing high-quality policies in most American states.

To simplify the insurance-shopping process, we've gathered average rates from Allied and USAA. The below cover a variety of rating factors, including credit quality, driving history, and demographics. Compare rates and find an affordable policy today.

Want to find out more? Read our reviews of USAA and Foremost.

 

USAA vs. Allied: insurance rate comparison

 

USAA vs. Allied: pricing by credit score

If you have extremely bad credit, Allied could be the way to go. On average, Allied offers lower rates than USAA for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800-plus — should lean toward USAA, which typically beats Allied by $17 annually. View common insurance costs by credit score for Allied and USAA below.

 
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allied VS. USAA
Credit levelUSAA avg. annual premiumAllied avg. annual premium
Very Poor (300-579)$2,682$1,483
Fair (580-669)$1,247$1,097
Good (670-739)$1,057$1,104
Very Good (740-799)$910$920
Exceptional (800-850)$840$857
 

USAA vs. Allied: rates for high-risk drivers

If you have an at-fault crash, speeding ticket, reckless driving citation, or DUI on your record, USAA could be a better choice than Allied. Every insurer has different post-violation pricing structures, so it's worth comparing quotes to figure out which insurer suits you.

 
RATES BY CITATION: Allied VS. USAA
InfractionUSAA avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$1,304$1,662
At-fault accident (damage > $1,000)$947$1,221
DUI/DWI$1,952$2,708
Reckless driving$1,472$2,708
Speeding ticket$1,124$1,232
 

USAA vs. Allied: rates by age bracket

Insurance companies use age to estimate risk, pricing policies accordingly. Auto insurance is typically expensive for teen drivers — due to their inexperience — and more affordable for older drivers. Since each insurance company rates ages uniquely, it's worth comparing rates and shopping around.

As a general rule, teen drivers should choose USAA over Allied: USAA offers average yearly savings of $662 versusAllied.

 
RATES BY AGE: Allied VS. USAA
Age bracketUSAA avg. annual premiumAllied avg. annual premium
Teens$2,864$3,526
20s$1,261$1,392
30s$963$1,392
40s$957$959
50s$889$915
60s$845$832
 

Affordability aside, USAA and Allied come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to shop around before settling on an option.

Discount ComparisonUSAAAllied
Good Student
Multiple Policies
Multiple Vehicles
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver
Defensive Driver
Student Away at School
Driver Training
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics
New Vehicle
Annual Mileage
Military
Ratings ComparisonUSAAAllied
Financial Strength SuperiorExcellent
JD Power Rankings ExcellentN/A
User Satisfaction 4.6/54.6/5
Other ProductsUSAAAllied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAAllied
About
Roadside Assistance
Additional DiscountsUSAA offers discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for drivers under 25 years old whose parents have had USAA auto insurance.Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent QuestionsAm I covered for an accident if my policy had lapsed while without an Uber passenger?
Unfortunately, if there was no coverage in place, no company will honor the claim. Uber coverage is in place while the app is active, though this only covers liability.
Our son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
See More Questions
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