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.
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 level | USAA avg. annual premium | Auto 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 |
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.
| Violation | USAA avg. annual premium | Auto 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 |
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).
| Age bracket | USAA avg. annual premium | Auto 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 Comparison | USAA | Auto 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 Comparison | USAA | Auto Club (AAA) |
|---|---|---|
| Financial Strength | Superior | Good |
| JD Power Rankings | 5 out of 5 | 2 out of 5 |
| User Satisfaction | A++ | N/A |
| Other Products | USAA | Auto Club (AAA) |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | USAA | Auto Club (AAA) |
|---|---|---|
| About | USAA 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 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. | 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 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. | AAA offers an additional Garage Parking Discount, and maintains a wide-ranging rewards program for AAA members. |
| Recent Questions | Can my brother use his insurance for damage he caused to my vehicle? I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ... My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ... My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ... My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?... | Does roadside assistance cover people not on your policy How can I get roadside insurance coverage that covers anyone who drives my car? Cover the car, any driver, not ... Is someone who has AAA Roadside assistance with AAA as valuable to AAA as someone who has automobile insurance through ... My car was totaled while it was parked. I’m with AAA and they’re with Mercury. Mercury is now telling me ... I am in the process of giving my son a 1999 Lincoln Towncar. What do we need to do to ... |
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| States Offered | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas | Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas |
