USAA vs Allied Car Insurance

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USAA or Allied:
Which Company is Best for You?

Choosing a car insurance company is complex: every company's rates differ based on your location, vehicle, and driving record, and companies offer an array of discounts. USAA and Allied are among the nation's most popular insurance companies, providing high-quality policies in most American states.

To simplify the insurance-shopping process, we've gathered average rates from Allied and USAA. The below cover a variety of rating factors, including credit quality, driving history, and demographics. Compare rates and find an affordable policy today.

Want to find out more? Read our reviews of USAA and Foremost.


USAA vs. Allied: insurance rate comparison


USAA vs. Allied: pricing by credit score

If you have extremely bad credit, Allied could be the way to go. On average, Allied offers lower rates than USAA for drivers with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800-plus — should lean toward USAA, which typically beats Allied by $17 annually. View common insurance costs by credit score for Allied and USAA below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allied VS. USAA
Credit levelUSAA 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 for high-risk drivers

If you have an at-fault crash, speeding ticket, reckless driving citation, or DUI on your record, USAA could be a better choice than Allied. Every insurer has different post-violation pricing structures, so it's worth comparing quotes to figure out which insurer suits you.


RATES BY CITATION: Allied VS. USAA
InfractionUSAA 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 bracket

Insurance companies use age to estimate risk, pricing policies accordingly. Auto insurance is typically expensive for teen drivers — due to their inexperience — and more affordable for older drivers. Since each insurance company rates ages uniquely, it's worth comparing rates and shopping around.

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


RATES BY AGE: Allied VS. USAA
Age bracketUSAA 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

Affordability 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 shop around before settling on an option.

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
100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon 100% filled Star icon
5 out of 5
100% filled Star icon 100% filled Star icon 100% filled Star icon 0.0% filled Star icon 0% filled Star icon
3 out of 5
User Satisfaction

A++

A+

Other ProductsUSAAAllied
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Life Insurance
Homeowners Insurance
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Renters Insurance
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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 QuestionsOur son-in-law is a USAA member (Navy). Can we join also?
Parents are not eligible for USAA. I believe USAA eligibility flows "downstream" — so descendants, i.e.
Can my brother use his insurance for damage he caused to my vehicle?
Unfortunately, car insurance follows the vehicle, not the driver. In this case, he cannot use his own insurance to cover the damage he caused to your vehicle.
Agree to be paid out of pocket with driver with no license
To sum, having her pay out of pocket might be your best option. Let me explain.
Can I get USAA insurance from son in law
Although I am not a licensed agent for USAA, it is my understanding that you need to be a child or spouse of an established members to get a policy. Meaning, you wouldn't be eligible to get your own policy away from your son-in-law.
See More Questions
Will my insurance company cover my vehicle if my cousin was driving my car?
Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process.
If I claim my injuries after an accident, will that make my rates higher?
Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options.
Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing.
How much do car insurance rates go up after a DUI?
<span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none.
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 Insurance USAA vs. Safe Auto USAA vs. Safeco 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. Safe Auto Allied vs. Safeco Allied vs. State Farm Allied vs. The General Allied vs. The Hartford Allied vs. Titan Allied vs. Travelers
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USAA vs Allied

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