Picking a car insurance company can be complicated: rates can vary based on your driving record, location, and age, and insurers offer a variety of perks. USAA and Allstate are two of the most popular insurance companies, offering competitively priced coverage in most regions.
In an effort to simplify the comparison process, we've gathered average rates from Allstate and USAA. These take into consideration a variety of pricing factors, including credit score, driving history, and age. Take a look at these rates and find an affordable policy today.
If you have very poor credit, USAA could be preferable to USAA. Typically, USAA offers lower rates than Allstate for drivers with credit scores of lower than 580. Drivers with exceptional credit — a score of 800 or higher — should favor USAA, which typically beats Allstate by $903 annually. View typical insurance costs by credit tier for Allstate and USAA:
|Credit level||USAA avg. annual premium||Allstate avg. annual premium|
|Very Poor (300-579)||$2,682||$3,117|
|Very Good (740-799)||$910||$1,820|
If you're carrying an at-fault accident, ticket, reckless driving violation, or DUI offense on your driving résumé, USAA could be a better choice than Allstate. Each car insurance company prices its policies differently, so it's worth comparing quotes to understand which insurer is best for you.
|Violation||USAA avg. annual premium||Allstate avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$3,006|
|At-fault accident (damage > $1,000)||$947||$2,290|
Auto insurance companies rely on age to outline risk potential, assigning rates accordingly. Car insurance is typically most expensive for young drivers — because of their inexperience — and most affordable for drivers aged 25 or older. Because every insurance company evaluates age brackets differently, it's smart to shop around and find the perfect policy for you.
As a general rule, teen drivers should choose USAA instead of Allstate: USAA offers average yearly savings of $3,578 versusAllstate.
|Age bracket||USAA avg. annual premium||Allstate avg. annual premium|
Costs aside, USAA and Allstate each come with pros and cons, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Be sure to get quotes and compare rates before purchasing a policy.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||5 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||USAA 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 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.||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 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.||Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired.|
|Recent Questions||Can my brother use his insurance for damage he caused to my vehicle?|
Agree to be paid out of pocket with driver with no license
I had a claim filed against my insurance, not my accident, but my brother’s who was insured and was driving ...
Can I get USAA insurance from son in law
My son was rear-ended by a young woman driving without a license or insurance. Should he agree to let her ...
Does USAA membership extend to grandchildren
My son in law has usaa insurance past on from family. He has added me on as a driver. I’m ...
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|Can I still be on my parent’s car insurance?|
An automated security gate hit my door, should I file a claim or get them to pay for the damages?
If I am renting an apartment can I still be on my parents car insurance? I am 22 years old ...
Can an insurance company force add me to a policy even if I do not drive?
There was a parking spot near where the gate extends to and I parked too close. When the door opened, ...
Can a claim be denied if I have scheduled personal property coverage for a home where I’m no longer living?
My senior parents have full coverage on their car and have been with their insurance company, Allstate, for several years ...
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I’ve had my homeowners insurance with Allstate for the last 20 years that covers several properties I own in Texas ...
|Compare More||USAA 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 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||Allstate 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. 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. Progressive Allstate vs. Root Allstate vs. SAFECO Allstate vs. Safe Auto Allstate vs. State Farm Allstate vs. The General Allstate vs. The Hartford Allstate vs. Titan Allstate 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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