USAA vs American Family Car Insurance

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USAA or American Family:
Which Company is Best for You?

Deciding on an auto insurance company is sometimes difficult: rates may vary based on your driving record, location, and age, and insurers offer a variety of perks. USAA and American Family are two of the US' most popular insurance companies, providing competitively priced policies in most states across the US.

In an effort to make insurance shopping seamless, we gathered average insurance premiums from American Family and USAA. These take into account a number of rating factors, chief among which are credit quality, driving record, and age. Examine these rates and find the perfect policy for you.

 

USAA vs. American Family: insurance rate comparison

 

USAA vs. American Family: prices by credit level

If you have very bad credit, American Family could be a better option for you. Typically, American Family offers lower prices than USAA for drivers with credit scores of less than 580. Drivers with extraordinary credit — a score of 800 or higher — should favor USAA, which typically beats American Family by $101 per year. View average insurance rates by credit score for American Family and USAA:

 

RATES BY CREDIT LEVEL: American Family VS. USAA
Credit scoreUSAA avg. annual premiumAmerican Family avg. annual premium
Very Poor (300-579)$2,682$1,931
Fair (580-669)$1,247$1,294
Good (670-739)$1,057$1,220
Very Good (740-799)$910$1,009
Exceptional (800-850)$840$941

 

USAA vs. American Family: high-risk driver rates

If you have an at-fault crash, ticket, reckless driving violation, or DUI on your record, USAA could be a better choice than American Family. Every insurer will handle driving offenses differently, so always do your due diligence and compare quotes to understand which insurer suits you.

 

RATES BY CITATION: American Family VS. USAA
CitationUSAA avg. annual premiumAmerican Family avg. annual premium
At-fault accident (damage < $1,000)$1,304$1,763
At-fault accident (damage > $1,000)$947$990
DUI/DWI$1,952$1,857
Reckless driving$1,472$1,857
Speeding ticket$1,124$1,270

 

USAA vs. American Family: rates by age

Auto insurance companies use a driver's age to outline potential risk, assigning rates accordingly. A car insurance policy is usually priciest for young drivers — because of their inexperience — and most affordable for middle-aged drivers. Because each insurance company evaluates ages uniquely, it's wise to compare rates and find great coverage.

As a general rule, teen drivers should choose USAA instead of American Family: USAA offers average yearly savings of $946, compared to American Family.

 

COMPARING AUTO INSURANCE RATES BY AGE: American Family VS. USAA
Age bracketUSAA avg. annual premiumAmerican Family avg. annual premium
Teens$2,864$3,810
20s$1,261$1,685
30s$963$1,685
40s$957$1,089
50s$889$1,089
60s$845$986

 

Affordability aside, USAA and American Family each carry 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.

Discount ComparisonUSAAAmerican Family
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 ComparisonUSAAAmerican Family
Financial Strength SuperiorExcellent
JD Power Rankings
5 out of 5
4 out of 5
User Satisfaction

A++

A

Other ProductsUSAAAmerican Family
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAAAmerican Family
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.American Family strives to provide their customers with industry-leading service, an exceptional claims experience and products that build long-term relationships.
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.American Family’s Emergency Roadside Service covers reasonable costs you can incur if you're car breaks down. These costs may include mechanical labor for up to one hour at the place of your vehicle’s breakdown, towing to the nearest place where the necessary repairs can be made, delivery of gas and oil, the cost of labor for a tire change or battery charge (not including the cost of any delivered item), and the cost of labor for locksmith services (not including the cost to replace locks or keys).
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.None Available
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?...

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Are some insurance providers better suited to my needs than others to get the best rate?

I am 25 years old and currently drive a 2015 BMW 328i xDrive. It’s leased and i’m about to lease ...

If I accidentally drove my car through a neighbor’s fence, will my insurance company pay for the damage?

My foot slipped on the clutch when I was parked in the street and I damaged my neighbor’s fence. Is ...

How soon am I required to insure a vehicle I bought through a private sale?

I just bought my first car and have never had insurance. Do I have to be insured to take the ...

What’s the difference between an insurance carrier and an insurance agency?

I have a local agent and he talks about the “carriers” that he works with. What is the difference?...

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

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