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 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 |
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
| 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 |
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 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.
