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 |