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|
|Very Good (740-799)||$910||$3,004|
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|
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|
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)|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||Auto Club (AAA)|
|JD Power Rankings||5 out of 5||2 out of 5|
|Other Products||USAA||Auto Club (AAA)|
|Travel Trailer 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?|
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|Compare More||USAA 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. Travelers||Auto 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 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|
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