USAA vs. Safe Auto

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USAA or Safe Auto:
Which Company is Best for You?

Picking an auto insurance company can be complicated: every company's rates differ based on your location, age, and driving history, and companies offer an array of discounts. USAA and Safe Auto are two of the US' most popular insurance companies, providing competitively priced coverage across large swaths of the US.

In an effort to make shopping for car insurance easier, we gathered typical policy rates from Safe Auto and USAA. These take into account an array of rating factors, chief among which are credit history, driving history, and age. Compare rates and find an affordable policy today.

Take a deep dive: Check out our full reviews of USAA and Safe Auto.

 

USAA vs. Safe Auto: premium comparison

 

USAA vs. Safe Auto: prices by credit level

If you have extremely bad credit, USAA could be the best option for you. Typically, USAA offers more affordable premiums than Safe Auto for drivers with credit scores of 579 or less. Those with extraordinary credit — a score of 800 or higher — should opt for USAA, which typically beats Safe Auto by $1,081 per year. Check out common insurance rates by credit tier for Safe Auto and USAA below.

 
COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Safe Auto VS. USAA
Credit levelUSAA avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$2,682$3,799
Fair (580-669)$1,247$2,483
Good (670-739)$1,057$3,358
Very Good (740-799)$910$1,937
Exceptional (800-850)$840$1,921
 

USAA vs. Safe Auto: rates for bad drivers

If you're saddled with an at-fault collision, ticket, reckless driving violation, or DUI on your résumé, USAA could be a better choice than Safe Auto. Each insurance company prices its policies differently, so it's worth comparing quotes to understand which insurer is best for you.

 
RATES BY VIOLATION: Safe Auto VS. USAA
ViolationUSAA avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$1,304$2,867
At-fault accident (damage > $1,000)$947$2,837
DUI/DWI$1,952$2,867
Reckless driving$1,472$2,867
Speeding ticket$1,124$2,738
 

USAA vs. Safe Auto: rates by age bracket

Auto insurance companies use age to estimate risk, pricing premiums accordingly. Car insurance is commonly more expensive for drivers younger than 25 — because of their inexperience — and more affordable for middle-aged drivers. Since each insurance company prices age tiers in a different way, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose USAA over Safe Auto: USAA offers average yearly savings of $5,398, compared to Safe Auto.

 
RATES BY AGE: Safe Auto VS. USAA
Age bracketUSAA avg. annual premiumSafe Auto avg. annual premium
Teens$2,864$8,262
20s$1,261$2,764
30s$963$2,764
40s$957$2,053
50s$889$1,862
60s$845$1,707
 

Setting aside cost, USAA and Safe Auto each come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonUSAASafe Auto
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 ComparisonUSAASafe Auto
Financial Strength SuperiorN/A
JD Power Rankings ExcellentN/A
User Satisfaction 4.6/54.6/5
Other ProductsUSAASafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAASafe Auto
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.Safe Auto strives to provide affordable insurance to every driver, no matter the situation.
Roadside Assistance24-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.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
Additional DiscountsUSAA 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.Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.
Recent QuestionsAm 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
Should I get full coverage from a less well-known insurer?
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.
Do I pay a deductible for a liability claim?
You are not responsible for a&nbsp;deductible&nbsp;unless you have&nbsp;comprehensive&nbsp;and&nbsp;collision&nbsp;coverage. Since you only have&nbsp;liability, the damages to your car will not be covered which means there is no&nbsp;deductible.
See More Questions
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