USAA vs Allstate Car Insurance

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USAA or Allstate:
Which Company is Best for You?

Choosing a car insurance company is sometimes difficult: rates can vary by driving history, location, and age, and companies offer an array of discounts. USAA and Allstate are two of the top auto insurance companies, selling high-quality coverage across large portions of the US.

In an effort to simplify the comparison process, we gathered average costs from Allstate and USAA. These take into account a number of rating factors, including credit score, driving history, and age. Compare rates and find an affordable policy today.

Find out more: Read full-length reviews of USAA and Allstate.


Compare USAA vs. Allstate auto insurance rates


USAA vs. Allstate: pricing by credit score

If you have very bad credit, USAA could be the way to go. On average, USAA offers cheaper premiums than Allstate for prospective clients with credit scores of 579 or less. Insurance shoppers with exceptional credit — a score of 800-plus — should lean toward USAA, which typically beats Allstate by $903 annually. Check out average insurance costs by credit tier for Allstate and USAA below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: Allstate VS. USAA
Credit levelUSAA avg. annual premiumAllstate avg. annual premium
Very Poor (300-579)$2,682$3,117
Fair (580-669)$1,247$2,162
Good (670-739)$1,057$2,021
Very Good (740-799)$910$1,820
Exceptional (800-850)$840$1,743

USAA vs. Allstate: high-risk driver rates

If you have an at-fault crash, speeding ticket, reckless driving violation, or DUI in your rear view mirror, USAA could be a better choice than Allstate. Every insurance company will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer is best for you.


RATES BY VIOLATION: Allstate VS. USAA
ViolationUSAA avg. annual premiumAllstate avg. annual premium
At-fault accident (damage < $1,000)$1,304$3,006
At-fault accident (damage > $1,000)$947$2,290
DUI/DWI$1,952$3,637
Reckless driving$1,472$3,388
Speeding ticket$1,124$2,256

USAA vs. Allstate: rates by age

Car insurance companies rely on a driver's age to estimate risk, assigning rates on a sliding scale. An insurance policy is typically expensive for drivers younger than 25 — due to their increased odds of being involved in an accident — and relatively affordable for middle-aged drivers. Because every insurance company rates ages in a different way, it's worth doing some comparison shopping.

As a general rule, teen drivers should choose USAA before Allstate: USAA offers average yearly savings of $3,578 versusAllstate.


RATES BY AGE BRACKET: Allstate VS. USAA
AgeUSAA avg. annual premiumAllstate avg. annual premium
Teens$2,864$6,442
20s$1,261$2,636
30s$963$2,636
40s$957$1,912
50s$889$1,893
60s$845$1,768

Affordability aside, there are myriad pros and cons of both USAA and Allstate, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Be sure to weigh these elements before deciding.

Discount ComparisonUSAAAllstate
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 ComparisonUSAAAllstate
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 ProductsUSAAAllstate
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAAllstate
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense 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.Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy.
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.Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.
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
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Can I still be on my parent's car insurance?
Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle.
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost.
Can an insurance company force add me to a policy even if I do not drive?
Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.
See More Questions
Compare MoreUSAA vs. 21st Century USAA vs. Allied 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. TravelersAllstate vs. 21st Century Allstate vs. Allied Allstate vs. American Family Allstate vs. Amica Mutual Insurance Allstate vs. Auto Club (AAA) Allstate vs. Erie Allstate vs. Esurance Allstate vs. Farm Bureau Mutual Allstate vs. Farmers Allstate vs. Foremost Allstate vs. GEICO Allstate vs. Infinity Allstate vs. Liberty Mutual Allstate vs. Mercury Allstate vs. MetLife Allstate vs. Nationwide Allstate vs. North Star Mutual Allstate vs. Progressive Allstate vs. Root Insurance Allstate vs. Safe Auto Allstate vs. Safeco Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate 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
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USAA vs Allstate

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