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.
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.
|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|
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.
|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|
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.
|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|
|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 additional discounts for vehicles with daytime running lights and vehicles in storage, as well as a legacy discount for members under 25 years old whose parents have had USAA auto insurance.||None Available|
|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
|Are some insurance providers better suited to my needs than others to get the best rate?|
Because most coverage options can be matched across insurance companies, I think what you are really looking for is the best customer service/claims support for the best cost. Right off the bat, I know Geico probably wouldn't be an option for you with a leased vehicle.See More Questions
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