USAA vs American Family: Which is Better for You?
Compare rates from the top car insurance companies in your area.
USAA or American Family: Which company is best for you?
Choosing an auto insurance company is sometimes difficult: every company's rates differ by location, age, and driving history, and every company provides a different set of discounts. USAA and American Family are two of the most popular insurers, providing affordable insurance policies in many states.
In an effort to simplify the process of comparing insurance companies, we have gathered average costs from American Family and USAA. These take into account a variety of rating factors, including credit, driving record, and age. Examine these rates and find your next car insurance policy today.
USAA vs. American Family: by credit level
If you have very bad credit, American Family could be a better option for you. On average, American Family offers lower rates than USAA for drivers with credit scores of lower than 580. Drivers with excellent credit — a score of 800 or better — should opt for USAA, which typically beats American Family by $101 per year. Check out typical insurance rates by credit tier for American Family and USAA below.
INSURER RATES BY CREDIT SCORE: AMERICAN FAMILY VS. USAA
|Credit level||USAA avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$2,682||$1,931|
|Very Good (740-799)||$910||$1,009|
USAA vs. American Family: by citation
If you have an at-fault accident, ticket, reckless driving violation, or DUI in your recent history, USAA could be a better choice than American Family. Every car insurance company prices policies differently after a violation, so it's worth comparing quotes to find out which insurance company suits you.
INSURER RATES BY VIOLATION: AMERICAN FAMILY VS. USAA
|Citation||USAA avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$1,763|
|At-fault accident (damage > $1,000)||$947||$990|
USAA vs. American Family: by age
Car insurance companies use a driver's age to estimate risk, assigning rates accordingly. Insurance is often priciest for teen drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company evaluates ages in a different way, it's worth comparing rates and shopping around.
As a general rule, teen drivers should choose USAA over American Family: USAA offers average yearly savings of $946, compared to American Family.
INSURER RATES BY AGE: AMERICAN FAMILY VS. USAA
|Age||USAA avg. annual premium||American Family avg. annual premium|
Costs aside, there are myriad pros and cons of both USAA and American Family, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
|Discount Comparison||USAA||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||American Family|
|JD Power Rankings||Excellent||Above average|
|Other Products||USAA||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||USAA||American Family|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.|
|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.||American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).|
|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.||None Available|
|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|