USAA vs Auto Club (AAA) Car Insurance

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USAA or Auto Club (AAA):
Which Company is Best for You?

Deciding on an auto insurer is sometimes difficult: every company's rates differ based on your driving history, age, and location, and every company's discounts differ. USAA and Auto Club (AAA) are two of the most popular car insurance companies, offering high-quality insurance policies across large portions of the US.

To help simplify the comparison process, we gathered average premiums from Auto Club (AAA) and USAA. These rates cover myriad rating factors, including credit rating, driving history, and age. Examine these figures and find your next car insurance policy today.


Compare USAA vs. Auto Club (AAA) auto insurance rates


USAA vs. Auto Club (AAA): prices by credit level

If you have very poor credit, USAA could be preferable to USAA. On average, USAA offers better rates than Auto Club (AAA) for prospective clients with credit scores of lower than 580. Drivers with extraordinary credit — a score of 800 or higher — should favor USAA, which typically beats Auto Club (AAA) by $1,974 per year. Check out typical insurance rates by credit score for Auto Club (AAA) and USAA below.


CREDIT SCORE INSURANCE RATE COMPARISON: Auto Club (AAA) VS. USAA
Credit levelUSAA avg. annual premiumAuto Club (AAA) avg. annual premium
Very Poor (300-579)$2,682$6,569
Fair (580-669)$1,247$4,023
Good (670-739)$1,057$3,723
Very Good (740-799)$910$3,004
Exceptional (800-850)$840$2,814

USAA vs. Auto Club (AAA): high-risk insurance rates

If you're dealing with an at-fault crash, speeding ticket, reckless driving violation, or DUI on your record, USAA could be a better choice than Auto Club (AAA). Each insurance company prices its policies differently, so don't hesitate to shop around to figure out which insurer suits you.


COMPARING AUTO INSURANCE RATES FOR BAD DRIVERS: Auto Club (AAA) VS. USAA
ViolationUSAA avg. annual premiumAuto Club (AAA) avg. annual premium
At-fault accident (damage < $1,000)$1,304$4,078
At-fault accident (damage > $1,000)$947$4,002
DUI/DWI$1,952$5,530
Reckless driving$1,472$5,530
Speeding ticket$1,124$4,078

USAA vs. Auto Club (AAA): rates by age

Auto insurance companies use a driver's age to estimate risk, assigning rates accordingly. Car insurance is usually expensive for beginning and young drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since each insurance company evaluates age brackets differently, it's wise to compare rates and find a great fit.

As a general rule, teen drivers should choose USAA instead of Auto Club (AAA): USAA offers average yearly savings of $7,392 versusAuto Club (AAA).


RATES BY AGE: Auto Club (AAA) VS. USAA
Age bracketUSAA avg. annual premiumAuto Club (AAA) avg. annual premium
Teens$2,864$10,256
20s$1,261$4,644
30s$963$4,644
40s$957$3,195
50s$889$3,083
60s$845$2,887

Setting aside cost, USAA and Auto Club (AAA) both have pros and cons, including discount programs, customer satisfaction ratings, add-ons, and financial stability. Dive into the data before making your decision.

Discount ComparisonUSAAAuto Club (AAA)
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 ComparisonUSAAAuto Club (AAA)
Financial Strength SuperiorGood
JD Power Rankings
5 out of 5
2 out of 5
User Satisfaction

A++

N/A

Other ProductsUSAAAuto Club (AAA)
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAAuto Club (AAA)
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.Auto Club provides its customers with customizable payment options, competitive rates and excellent features.
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.AAA offers three tiers of 24-hour Road Service: Classic, Plus and Premier, which all include towing, emergency starting, battery service, flat tire assistance, locksmith service, fuel delivery, and extrication/winching service. AAA membership covers you, not your vehicle, so you can call whether you are in your own car, a friend’s car, or a rental. Each AAA cardholder is entitled to four Roadside Assistance service calls or reimbursements per membership year at no charge.
Additional DiscountsUSAA 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.AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members.
Recent QuestionsAgree to be paid out of pocket with driver with no license

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My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...

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Compare MoreUSAA vs. 21st Century USAA vs. Allied USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Erie USAA vs. Esurance USAA vs. Farmers USAA vs. Foremost USAA vs. GEICO USAA vs. Infinity USAA vs. Liberty Mutual USAA vs. Mercury USAA vs. MetLife USAA vs. Nationwide USAA vs. Progressive USAA vs. Root USAA vs. SAFECO USAA vs. Safe Auto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersAuto Club (AAA) vs. 21st Century Auto Club (AAA) vs. Allied Auto Club (AAA) vs. Allstate Auto Club (AAA) vs. American Family Auto Club (AAA) vs. Amica Mutual Insurance Auto Club (AAA) vs. Erie Auto Club (AAA) vs. Esurance Auto Club (AAA) vs. Farmers Auto Club (AAA) vs. Foremost Auto Club (AAA) vs. GEICO Auto Club (AAA) vs. Infinity Auto Club (AAA) vs. Liberty Mutual Auto Club (AAA) vs. Mercury Auto Club (AAA) vs. MetLife Auto Club (AAA) vs. Metromile Auto Club (AAA) vs. Nationwide Auto Club (AAA) vs. Progressive Auto Club (AAA) vs. SAFECO Auto Club (AAA) vs. Safe Auto Auto Club (AAA) vs. State Farm Auto Club (AAA) vs. The General Auto Club (AAA) vs. The Hartford Auto Club (AAA) vs. Titan Auto Club (AAA) vs. Travelers
States OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas
Additional Resources:

USAA vs Auto Club (AAA)

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