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.
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.
| Credit level | USAA avg. annual premium | Allied 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 |
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.
| Infraction | USAA avg. annual premium | Allied 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 |
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.
| Age bracket | USAA avg. annual premium | Allied 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 Comparison | USAA | Allied |
|---|---|---|
| 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 Comparison | USAA | Allied |
|---|---|---|
| Financial Strength | Superior | Excellent |
| JD Power Rankings | Excellent | N/A |
| User Satisfaction | 4.6/5 | 4.6/5 |
| Other Products | USAA | Allied |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | USAA | Allied |
|---|---|---|
| About | USAA is known for their award-winning service, distinguished products and making their customers' needs a priority. | Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you. |
| Roadside Assistance | 24-hour roadside assistance is included in all of USAA's Extended Vehicle Protection programs. Pricing varies depending on which plan you select. Roadside assistance will pay up to $100 per occurrence of the following: towing service, flat tire change, emergency gas delivery, battery jump, and locksmith services. Substitute Transportation is available up to $250 per occurrence. Travel/Lodging Reimbursement is available up to $300 per occurrence. | Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts. |
| Additional Discounts | USAA 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 Questions |
Am 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. 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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| Top States | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |