USAA vs Safe Auto Car Insurance

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USAA or Safe Auto:
Which Company is Best for You?

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.


USAA vs. Safe Auto: premium comparison


USAA vs. Safe Auto: by credit level

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 SCORE INSURANCE RATE COMPARISON: Safe Auto VS. USAA
Credit levelUSAA avg. annual premiumSafe Auto avg. annual premium
Very Poor (300-579)$2,682$3,799
Fair (580-669)$1,247$2,483
Good (670-739)$1,057$3,358
Very Good (740-799)$910$1,937
Exceptional (800-850)$840$1,921

USAA vs. Safe Auto: rates for bad drivers

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.


RATES BY CITATION: Safe Auto VS. USAA
CitationUSAA avg. annual premiumSafe Auto avg. annual premium
At-fault accident (damage < $1,000)$1,304$2,867
At-fault accident (damage > $1,000)$947$2,837
DUI/DWI$1,952$2,867
Reckless driving$1,472$2,867
Speeding ticket$1,124$2,738

USAA vs. Safe Auto: rates by age

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.


RATES BY AGE BRACKET: Safe Auto VS. USAA
Age tierUSAA avg. annual premiumSafe Auto avg. annual premium
Teens$2,864$8,262
20s$1,261$2,764
30s$963$2,764
40s$957$2,053
50s$889$1,862
60s$845$1,707

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 ComparisonUSAASafe Auto
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 ComparisonUSAASafe Auto
Financial Strength SuperiorGood
JD Power Rankings
5 out of 5
3 out of 5
User Satisfaction

A++

A+

Other ProductsUSAASafe Auto
Boat Insurance
Condo Insurance
Life Insurance
Homeowners Insurance
Travel Trailer Insurance
Renters Insurance
RV Insurance
Motorcycle Insurance
Mobile Home Insurance
Other FeaturesUSAASafe Auto
AboutUSAA is known for their award-winning service, distinguished products and making their customers' needs a priority.At SafeAuto, we strive to provide caring and professional customer service 24/7, and to help make insurance affordable to every driver, no matter the situation. We provide you flexibility to access your accounts and make payments online, by phone, or through our mobile app. We offer convenience through our hassle-free automatic payments and immediate proof of insurance when you insure with us.
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.Safe Auto's roadside assistance coverage pays for towing services and certain repair costs required to make your car operable.
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.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 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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Should I get full coverage from a less well-known insurer?

I recently wrecked my car, my fault, with only liability. I need to replace it and the collision place that ...

Who is at-fault when parking spot stopper had bolts sticking out of it?

I pulled too far forward while parking and hit the cement stopper which had bolts sticking out of it. It ...

If my daughter is uninsured and gets rear-ended by another driver, will their insurance cover her damage?

My daughter is listed as a driver on my policy but she just recently got the car and I haven’t ...

Do car insurance companies share information?

My rate went up after I had an accident so I shopped around and found a better price with a ...

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Compare MoreUSAA 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 USAA vs. SAFECO USAA vs. State Farm USAA vs. The General USAA vs. The Hartford USAA vs. Titan USAA vs. TravelersSafe 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. 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. 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 OfferedArizona California Florida Illinois Michigan New Jersey New York Ohio Pennsylvania TexasArizona Georgia Illinois Indiana Louisiana Missouri Ohio Pennsylvania Texas Virginia
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USAA vs Safe Auto

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