USAA vs. American Family
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.
Seeking additional insights? Read our full reviews of USAA and American Family.
Compare USAA vs. American Family auto insurance rates
USAA vs. American Family: rate comparison 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.
COMPARING AUTO INSURANCE 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 |
| Fair (580-669) | $1,247 | $1,294 |
| Good (670-739) | $1,057 | $1,220 |
| Very Good (740-799) | $910 | $1,009 |
| Exceptional (800-850) | $840 | $941 |
USAA vs. American Family: high-risk insurance rate comparison
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.
RATES BY CITATION: 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 |
| DUI/DWI | $1,952 | $1,857 |
| Reckless driving | $1,472 | $1,857 |
| Speeding ticket | $1,124 | $1,270 |
USAA vs. American Family: rates 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.
RATES BY AGE: AMERICAN FAMILY VS. USAA
| Age | USAA avg. annual premium | American Family avg. annual premium |
| Teens | $2,864 | $3,810 |
| 20s | $1,261 | $1,685 |
| 30s | $963 | $1,685 |
| 40s | $957 | $1,089 |
| 50s | $889 | $1,089 |
| 60s | $845 | $986 |
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 |
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| Good Student |
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| Multiple Policies |
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| Multiple Vehicles |
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| Student Away at School |
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| Driver Training |
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| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase |
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| Pay in Full | ||
| Home Owner | ||
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| Telematics |
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| Military |
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| Ratings Comparison | USAA | American Family |
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| Financial Strength | Superior | Excellent |
| JD Power Rankings | Excellent | Above average |
| User Satisfaction | 4.6/5 | 4.6/5 |
| Other Products | USAA | American Family |
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| Other Features | USAA | American Family |
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| 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 |
| 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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