USAA vs American Family Car Insurance

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

Choosing an auto insurance company is sometimes difficult: every company's rates differ by location, age, and driving history, and every company provides a different set of discounts. USAA and American Family are two of the most popular insurers, providing affordable insurance policies in many states.

In an effort to simplify the process of comparing insurance companies, we have gathered average costs from American Family and USAA. These take into account a variety of rating factors, including credit, driving record, and age. Examine these rates and find your next car insurance policy today.

Seeking additional insights? Read our full reviews of USAA and American Family.


Compare USAA vs. American Family auto insurance rates


USAA vs. American Family: rate comparison by credit level

If you have very bad credit, American Family could be a better option for you. On average, American Family offers lower rates than USAA for drivers with credit scores of lower than 580. Drivers with excellent credit — a score of 800 or better — should opt for USAA, which typically beats American Family by $101 per year. Check out typical insurance rates by credit tier for American Family and USAA below.


COMPARING AUTO INSURANCE RATES BY CREDIT SCORE: American Family VS. USAA
Credit levelUSAA 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 insurance rate comparison

If you have an at-fault accident, ticket, reckless driving violation, or DUI in your recent history, USAA could be a better choice than American Family. Every car insurance company prices policies differently after a violation, so it's worth comparing quotes to find out which insurance company 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

Car insurance companies use a driver's age to estimate risk, assigning rates accordingly. Insurance is often priciest for teen drivers — because of their inexperience — and relatively affordable for middle-aged drivers. Since every insurance company evaluates ages in a different way, it's worth comparing rates and shopping around.

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


RATES BY AGE: American Family VS. USAA
AgeUSAA 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

Costs aside, there are myriad pros and cons of both USAA and American Family, including their discount programs, add-ons, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.

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
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 100% filled Star icon 0.0% filled Star icon
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 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
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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 American Family

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