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 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
 

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
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
 

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 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 supported supported
Multiple Policies supported supported
Multiple Vehicles supported supported
Anti-Theft Device(s)
Anti-Lock Brake System
Air Bags
Good Driver supported supported
Defensive Driver supported
Student Away at School
Driver Training supported
Green Vehicles
Affinity Membership Alum
Advanced Purchase
Pay in Full
Home Owner
eSign or ePay
Telematics supported
New Vehicle supported supported
Annual Mileage supported
Military supported
Ratings Comparison USAA Allied
Financial Strength Question mark icon Superior Excellent
JD Power Rankings Question mark icon Excellent N/A
User Satisfaction Question mark icon 4.6/5 4.6/5
Other Products USAA Allied
Boat Insurance supported supported
Condo Insurance supported supported
Life Insurance supported supported
Homeowners Insurance supported supported
Travel Trailer Insurance supported supported
Renters Insurance supported supported
RV Insurance supported supported
Motorcycle Insurance supported supported
Mobile Home Insurance supported
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 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 I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established member to get a policy. Meaning, you aren't eligible to get your own policy away from your son-in-law.
Does USAA membership extend to grandchildren
From my knowledge, your parent's would also have to be members in order for you to qualify. But, as I'm not an agent for USAA, I would call them and speak to an insurance agent directly.
Does my son-in-law's status as a Marine qualify me as USAA member?
USAA membership extends to spouses, children, and possibly parents. Assuming your child (who is married to your son-in-law) is on the membership as well, you may be able to qualify.
See More Questions
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