USAA vs Allied Car Insurance

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USAA or Allied:
Which Company is Best for You?

Picking a car insurance company can be complicated: companies' rates differ by location, vehicle, and driving record, and companies offer an array of discounts. USAA and Allied are two of America's most popular car insurance companies, providing competitively priced coverage in most states.

To make shopping for car insurance easier, we've gathered average insurance rates from Allied and USAA. The below cover an array of pricing components, including credit rating, driving history, and age. Check out the below rates and find an affordable policy today.

 

USAA vs. Allied: insurance rate comparison

 

USAA vs. Allied: by credit level

If you have very poor credit, Allied could be preferable to USAA. On average, Allied offers better premiums than USAA for drivers with credit scores of less than 580. Those with exceptional credit — a score of 800-plus — should lean toward USAA, which typically beats Allied by $17 per year. View common insurance rates by credit tier for Allied and USAA:

 

COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allied VS. USAA
Credit scoreUSAA avg. annual premiumAllied avg. annual premium
Very Poor (300-579)$2,682$1,483
Fair (580-669)$1,247$1,097
Good (670-739)$1,057$1,104
Very Good (740-799)$910$920
Exceptional (800-850)$840$857

 

USAA vs. Allied: rates after infractions

If you've got an at-fault accident, speeding violation, reckless driving violation, or DUI on your résumé, USAA could be a better choice than Allied. Every car insurance company prices policies differently after a violation, so it's worth comparing quotes to understand which insurance company suits you.

 

RATES BY CITATION: Allied VS. USAA
ViolationUSAA avg. annual premiumAllied avg. annual premium
At-fault accident (damage < $1,000)$1,304$1,662
At-fault accident (damage > $1,000)$947$1,221
DUI/DWI$1,952$2,708
Reckless driving$1,472$2,708
Speeding ticket$1,124$1,232

 

USAA vs. Allied: rates by age

Insurers use a driver's age to outline potential risk, assigning rates accordingly. Auto insurance is usually most expensive for teen drivers — due to their inexperience — and most affordable for middle-aged drivers. Because every car insurance company rates age tiers uniquely, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose USAA over Allied: USAA offers average yearly savings of $662, compared to Allied.

 

COMPARING AUTO INSURANCE RATES BY AGE: Allied VS. USAA
Age tierUSAA avg. annual premiumAllied avg. annual premium
Teens$2,864$3,526
20s$1,261$1,392
30s$963$1,392
40s$957$959
50s$889$915
60s$845$832

 

Cost aside, USAA and Allied come with pros and cons, including the insurers' discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.

Discount ComparisonUSAAAllied
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 ComparisonUSAAAllied
Financial Strength SuperiorSuperior
JD Power Rankings
5 out of 5
3 out of 5
User Satisfaction

A++

A+

Other ProductsUSAAAllied
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAAllied
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you.
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.Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts.
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.Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually.
Recent QuestionsCan 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 ...

Agree to be paid out of pocket with driver with no license

My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...

Can I get USAA insurance from son in law

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

Does USAA membership extend to grandchildren

My grandfather is retired military and is a USAA member. Does membership extend to grandchildren?...

See More Questions
Will my insurance company cover my vehicle if my cousin was driving my car?

She swerved to miss a deer and ended up hitting a tree. It was cold and slick outside as well ...

If I claim my injuries after an accident, will that make my rates higher?

I rear ended someone this morning and totaled my car. At least it seems so since the airbags went off. ...

Should I cancel my policy if I sold my vehicle and won’t be getting another car for a month?

I sold my car to get more money than I would on trade-in value, but the check from the buyer...

How much do car insurance rates go up after a DUI?

My friend just got charged with a DUI and has to pay thousands of dollars in fines. In addition to...

See More Questions
Compare MoreUSAA vs. 21st Century USAA vs. Allstate USAA vs. American Family USAA vs. Amica Mutual Insurance USAA vs. Auto Club (AAA) 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. SafeAuto USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersAllied vs. 21st Century Allied vs. Allstate Allied vs. American Family Allied vs. Amica Mutual Insurance Allied vs. Auto Club (AAA) Allied vs. Erie Allied vs. Esurance Allied vs. Farm Bureau Mutual Allied vs. Farmers Allied vs. Foremost Allied vs. GEICO Allied vs. Infinity Allied vs. Liberty Mutual Allied vs. Mercury Allied vs. MetLife Allied vs. North Star Mutual Allied vs. Progressive Allied vs. SAFECO Allied vs. SafeAuto Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied 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 Allied

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