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Selecting a car insurance company can be complicated: rates vary by location, vehicle, and driving record, and every company's discounts differ. USAA and Safe Auto are two of the most popular insurance companies, offering competitively priced coverage in many states.
In an effort to simplify the insurance-shopping process, we collected average rates from Safe Auto and USAA. These cover a variety of rating factors, including credit quality, driving history, and demographics. Examine these rates and find your next car insurance policy today.
If you have very poor credit, USAA could be a better option for you. On average, USAA offers better prices than Safe Auto for drivers with credit scores of less than 580. Drivers with exceptional credit — a score of 800 or higher — should opt for USAA, which typically beats Safe Auto by $1,081 per year. View typical insurance costs by credit tier for Safe Auto and USAA below.
|Credit level||USAA avg. annual premium||Safe Auto avg. annual premium|
|Very Poor (300-579)||$2,682||$3,799|
|Very Good (740-799)||$910||$1,937|
If you've got an at-fault accident, speeding ticket, reckless driving violation, or DWI on your résumé, USAA could be a better choice than Safe Auto. Every auto insurance company prices policies differently after a violation, so don't be afraid to shop around to understand which insurer suits you.
|Citation||USAA avg. annual premium||Safe Auto avg. annual premium|
|At-fault accident (damage < $1,000)||$1,304||$2,867|
|At-fault accident (damage > $1,000)||$947||$2,837|
Car insurance companies rely on a driver's age to outline risk potential, pricing policies on a sliding scale. An insurance policy is often expensive for teen drivers — due to their increased odds of being involved in an accident — and most affordable for middle-aged drivers. Because every car insurance company evaluates age tiers differently, it's worth shopping around and finding the best rate for you.
As a general rule, teen drivers should choose USAA over Safe Auto: USAA offers average yearly savings of $5,398, compared to Safe Auto.
|Age tier||USAA avg. annual premium||Safe Auto avg. annual premium|
Cost aside, USAA and Safe Auto each come with pros and cons, including their customer satisfaction ratings, discount programs, add-ons, and financial stability. Dive into the data before making your decision.
|Discount Comparison||USAA||Safe Auto|
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|Ratings Comparison||USAA||Safe Auto|
|JD Power Rankings|
|Other Products||USAA||Safe Auto|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|Other Features||USAA||Safe Auto|
|About||USAA is known for their award-winning service, distinguished products and making their customers' needs a priority.||Safe Auto strives to provide affordable insurance to every driver, no matter the situation.|
|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.||Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.|
|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.||Safe Auto specializes in providing minimum, state required coverage and full coverage to drivers who have had some trouble getting affordable rates due to tickets, accidents, and license issues.|
|Recent Questions||Our 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
|Should I get full coverage from a less well-known insurer?|
Whether or not the company is a "mainstream" provider doesn't mean that you would have a bad claims experience. There are several companies out there that have been around for several years and just don't advertise like other companies.Who is at-fault when parking spot stopper had bolts sticking out of it?
Unfortunately you would be considered at fault for the damage to your vehicle. If you file a claim, it will likely be paid under collision coverage, meaning you'll be required to pay your deductible.If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?
In most instances of rear-end accidents, the driver who was hit is normally considered to be not at fault so I'd recommend that your daughter contact the insurance company of the other driver to start the claims process. In Texas, your insurance status (or lack thereof) should not keep you from being compensated if you are hit by an at-fault driver.Do car insurance companies share information?
The new insurance company is likely to find out about the accident, but that will come from your driving reports when you buy your policy. The majority of insurance companies request a motor vehicle report (MVR) and a comprehensive loss underwriting exchange (CLUE) report to verify the accuracy of a new customer's driving record.See More Questions
|Compare More||USAA vs. 21st Century USAA vs. Allied USAA vs. Allstate 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. Safeco USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. Travelers||Safe Auto vs. 21st Century Safe Auto vs. Allied Safe Auto vs. Allstate Safe Auto vs. American Family Safe Auto vs. Amica Mutual Insurance Safe Auto vs. Auto Club (AAA) Safe Auto vs. Erie Safe Auto vs. Esurance Safe Auto vs. Farm Bureau Mutual Safe Auto vs. Farmers Safe Auto vs. Foremost Safe Auto vs. GEICO Safe Auto vs. Infinity Safe Auto vs. Liberty Mutual Safe Auto vs. Mercury Safe Auto vs. MetLife Safe Auto vs. Nationwide Safe Auto vs. North Star Mutual Safe Auto vs. Progressive Safe Auto vs. Safeco Safe Auto vs. State Farm Safe Auto vs. The General Safe Auto vs. The Hartford Safe Auto vs. Titan Safe Auto vs. Travelers|
|States Offered||Arizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania Texas||Arizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia|
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