Choosing a car insurance company is sometimes difficult: rates can vary by driving history, location, and age, and companies offer an array of discounts. USAA and Allstate are two of the top auto insurance companies, selling high-quality coverage across large portions of the US.
In an effort to simplify the comparison process, we gathered average costs from Allstate and USAA. These take into account a number of rating factors, including credit score, driving history, and age. Compare rates and find an affordable policy today.
If you have very bad credit, USAA could be the way to go. On average, USAA offers cheaper premiums than Allstate for prospective clients with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800-plus — should lean toward USAA, which typically beats Allstate by $903 annually. Check out average insurance costs by credit tier for Allstate and USAA below.
|Credit level||USAA avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$2,682||$3,117|
|Very Good (740-799)||$910||$1,820|
If you have an at-fault crash, speeding ticket, reckless driving violation, or DUI in your rear view mirror, USAA could be a better choice than Allstate. Every insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer is best for you.
|Violation||USAA avg. annual premium||Allstate avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$3,006|
|At-fault accident (damage > $1,000)||$947||$2,290|
Car insurance companies rely on a driver's age to estimate risk, assigning rates on a sliding scale. An insurance policy is typically expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because every insurance company rates ages in a different way, it's worth doing some comparison shopping.
As a general rule, teen drivers should choose USAA before Allstate: USAA offers average yearly savings of $3,578 versusAllstate.
|Age||USAA avg. annual premium||Allstate avg. annual premium|
Affordability aside, there are myriad pros and cons of both USAA and Allstate, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||Excellent||Average|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today.|
|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.||Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services).|
|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.||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.|
|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. 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
|Can you make your child a permissive user in order to get a discount?|
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.See More Questions
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