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.

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.

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.

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
New Vehicle
Annual Mileage
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
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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