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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.
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:
|Credit score||USAA avg. annual premium||American Family avg. annual premium|
|Very Poor (300-579)||$2,682||$1,931|
|Very Good (740-799)||$910||$1,009|
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.
|Citation||USAA avg. annual premium||American Family avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$1,763|
|At-fault accident (damage > $1,000)||$947||$990|
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.
|Age bracket||USAA avg. annual premium||American Family avg. annual premium|
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 Comparison||USAA||American Family|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||American Family|
|JD Power Rankings||5 out of 5||4 out of 5|
|Other Products||USAA||American Family|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||USAA||American Family|
|About||USAA 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 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.||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 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.||None Available|
|Recent Questions||Can my brother use his insurance for damage he caused to my vehicle?|
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|Compare More||USAA 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. Travelers||American 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 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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