USAA vs Safe Auto: Which is Better for You?

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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.

Credit level USAA avg. annual premium Safe 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.

Violation USAA avg. annual premium Safe 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.

Age bracket USAA avg. annual premium Safe 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 Comparison USAA Safe Auto
Good Student supported supported
Multiple Policies supported
Multiple Vehicles supported supported
Anti-Theft Device(s) supported supported
Anti-Lock Brake System supported
Air Bags supported supported
Good Driver supported supported
Defensive Driver supported
Student Away at School
Driver Training supported
Green Vehicles
Affinity Membership Alum supported
Advanced Purchase
Pay in Full supported
Home Owner supported
eSign or ePay
New Vehicle supported
Annual Mileage supported
Military supported
Ratings Comparison USAA Safe Auto
Financial Strength Question mark icon Superior N/A
JD Power Rankings Question mark icon Excellent N/A
User Satisfaction Question mark icon 4.6/5 4.6/5
Other Products USAA Safe Auto
Boat Insurance supported
Condo Insurance supported
Life Insurance supported
Homeowners Insurance supported
Travel Trailer Insurance supported
Renters Insurance supported
RV Insurance supported
Motorcycle Insurance supported
Mobile Home Insurance supported
Other Features USAA Safe Auto
About USAA 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 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. Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
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. 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.
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