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USAA vs Auto Club (AAA)
Car Insurance
Which Company is Best for You?
USAA and Auto Club (AAA) are two of the biggest names in insurance, with an advertising reach to match. Chances are you've seen more than one commercial from either in the past month. USAA was founded in 1922, while Auto Club (AAA) was founded in 1902. Both are widely-trusted companies, but which has the discounts, services, and customer ratings that matter most to you? See how they stack up below.
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| Discount Comparison | USAAvs. | 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 | USAAvs. | Auto Club (AAA) |
|---|---|---|
| Financial Strength | ||
| JD Power Rankings |
5 out of 5 |
2 out of 5 |
| User Satisfaction |
A+
|
N/A
|
| Other Products | USAAvs. | 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 | USAAvs. | 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. |
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| States Offered |
The financial strength rating, categorized from Poor to Superior, is an independent assessment of a company's financial strength and a company’s ability to meet their ongoing insurance obligations when it comes to things like paying claims.
The J.D. Power rating, scored from 2 to 5, is an independent measure of customer satisfaction around the handling of claims. A higher J.D. Power Rating is a good indicator that a carrier will treat you well should something go wrong.
The User Satisfaction rating, graded from F to A+, is the Better Business Bureau’s assessment of how well the business is likely to interact with its customers, and is based on multiple factors including customer complaints and transparent business practices.