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.
|Anti-Lock Brake System|
|Student Away at School|
|Affinity Membership Alum|
|Pay in Full|
|eSign or ePay|
|JD Power Rankings||5 out of 5||3 out of 5|
|Travel Trailer Insurance|
|Mobile Home Insurance|
|About||USAA 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 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||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. 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. Travelers||SafeAuto vs. 21st Century SafeAuto vs. Allied SafeAuto vs. Allstate SafeAuto vs. American Family SafeAuto vs. Amica Mutual Insurance SafeAuto vs. Auto Club (AAA) SafeAuto vs. Erie SafeAuto vs. Esurance SafeAuto vs. Farm Bureau Mutual SafeAuto vs. Farmers SafeAuto vs. Foremost SafeAuto vs. GEICO SafeAuto vs. Infinity SafeAuto vs. Liberty Mutual SafeAuto vs. Mercury SafeAuto vs. MetLife SafeAuto vs. Nationwide SafeAuto vs. North Star Mutual SafeAuto vs. Progressive SafeAuto vs. SAFECO SafeAuto vs. State Farm SafeAuto vs. The General SafeAuto vs. The Hartford SafeAuto vs. Titan SafeAuto 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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