Allstate vs. USAA: Best Auto Insurance for 2023
In our Allstate vs. USAA auto insurance guide, we compare the two companies' average rates based on age, driving record, and credit score. Keep in mind that USAA is available only to military affiliates and their immediate family members, so its rates are cheaper than most. However, Allstate auto insurance offers a wider variety of discounts that may make them a better option, even for military members. Read now to compare rates from multiple auto insurance companies close to home.
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Rachael Brennan
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...
Licensed Insurance Agent
UPDATED: Jun 20, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 20, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
On This Page
- Both Allstate and USAA have strong customer satisfaction and a bright financial future.
- USAA offers auto insurance only to military affiliates and their immediate family members.
- USAA auto insurance rates are generally about half that of Allstate; however, Allstate has a wider variety of discounts that keep their rates competitive.
This Allstate vs. USAA auto insurance guide will provide a wide variety of auto insurance coverage options when analyzing rates according to your unique qualities like your age, gender, marital status, driving record, and credit score.
We also include external ratings from the most trustworthy agencies and compare Allstate and USAA auto insurance discounts, coverage types, and usage-based insurance programs.
Continue reading to compare Allstate insurance and USAA insurance, or enter your ZIP code to find affordable auto insurance rates in your area.
Allstate vs USAA Auto Insurance: which is cheaper based on age?
The older we get, the more practice we have while driving. In calculating auto insurance rates, providers use age as one of the most significant variables.
In most states, it is legal to base auto insurance premiums on marital status and gender; some have banned it, however. Let’s compare auto insurance rates for Allstate and USAA based on age, gender, and marital status.
Age, Gender, and Marital Status | Allstate Average Annual Rates | USAA Average Annual Rates |
---|---|---|
Single 17-year-old female | $9,282 | $4,808 |
Single 17-year-old male | $10,643 | $5,386 |
Single 25-year-old female | $3,425 | $1,989 |
Single 25-year-old male | $3,571 | $2,126 |
Married 35-year-old female | $3,156 | $1,551 |
Married 35-year-old male | $3,123 | $1,540 |
Married 60-year-old female | $2,913 | $1,450 |
Married 60-year-old male | $2,991 | $1,449 |
USAA auto insurance rates are about half of what Allstate charges no matter your age, gender, or marital status.
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Allstate vs USAA Auto Insurance: which is cheaper based on driving record?
No matter what insurer you use, speeding tickets, auto accidents, or DUIs on your driving record will increase your auto insurance premiums and you become a higher risk driver.
Infraction | Allstate Average Annual Rates | USAA Average Annual Rates |
---|---|---|
Clean record | $3,820 | $1,934 |
With one speeding violation | $4,484 | $2,193 |
With one accident | $4,988 | $2,516 |
With one DUI | $6,261 | $3,506 |
Again, USAA auto insurance rates are about half of Allstate’s rates based on your driving record. But, just as important as initial rates based on driving record is how a company may penalize current customers.
Both USAA and Allstate take infractions seriously. Allstate car insurance rates increase by 17 to 64 percent as you rack up speeding tickets, cause accidents, or drive under the influence.
USAA, however, is more punitive. If you get a speeding ticket, cause an accident or get a DUI with USAA, expect your rates to increase by 13 to 81 percent.
Allstate vs USAA Auto Insurance: which is cheaper based on credit score?
If you undergo some sort of financial trauma, such as medical debt or going through a divorce, a good credit score will drop in a matter of months. It is legal for auto insurance providers to base premiums on your credit score in most states; however, some outlaw it along with gender and marital status dependent rates.
Auto insurance providers justify using your credit score to decide your rates because of the premise that people with higher credit scores are more responsible and that, overall, are less likely to file a claim.
Let’s take a look at how Allstate and USAA consider your rates based on your credit score.
Credit Score | Allstate Average Annual Rates | USAA Average Annual Rates |
---|---|---|
Good Credit (670-739) | $3,860 | $1,821 |
Fair Credit Score (580-669) | $4,581 | $2,220 |
Poor Credit Score (300-579) | $6,491 | $3,691 |
USAA is usually going to have the best rates initially because they offer services only to military affiliates and their family members. However, USAA does take a quickly dropping credit score fairly seriously.
If you choose USAA, expect your rates to more than double if your credit score tanks. While with Allstate, however, your rates will increase by only 68 percent.
Before you judge the rates of these two companies based on credit score alone, learn about the specifications of your state’s minimum car insurance requirements and compare rates from a number of companies.
Hopefully, if you have bad credit, you live in a state that has outlawed basing rates on credit scores.
Does Allstate or USAA have better auto insurance discounts?
Discounts from car insurance providers vary widely, and they are typically focused on the principles and ideology of a company. That’s why, particularly if you have a poor driving record or a low credit score, it pays to shop around. Discounts can help counter high costs.
Discounts | Allstate Discounts Offered and Percentage | USAA Discounts Offered and Percentage |
---|---|---|
Anti-lock Brakes | 10 | n/a |
Anti-Theft | 10 | n/a |
Claim Free | 35 | 12 |
Daytime Running Lights | 2 | n/a |
Defensive Driver | 10 | 3 |
Distant Student | 35 | n/a |
Driver's Ed | 10 | 3 |
Driving Device/App | 20 | 5 |
Early Signing | 10 | 12 |
Electronic Stability Control | 2 | n/a |
Family Legacy | n/a | 10 |
Farm Vehicle | 10 | n/a |
Full Payment | 10 | n/a |
Garaging/Storing | n/a | 90 |
Good Student | 20 | 3 |
Green Vehicle | 10 | n/a |
Military Garaging | n/a | 15 |
Multiple Policies | 10 | n/a |
Newer Vehicle | 30 | 12 |
On Time Payments | 5 | n/a |
Paperless Documents | 10 | n/a |
Paperless/Auto Billing | 5 | 3 |
Passive Restraint | 30 | n/a |
Safe Driver | 45 | 12 |
Senior Driver | 10 | n/a |
Utility Vehicle | 15 | n/a |
Vehicle Recovery | 10 | n/a |
Young Driver | n/a | $75 |
Allstate has a much wider variety of auto insurance discounts than what USAA has to offer, so, even if you are affiliated with the military, you may be able to save just as much with Allstate once you layer on discounts.
You can save 20 to 45 percent with Allstate if you are a safe driver, claim-free, a good student, a distant student, or your car has air bags and is a newer model.
The highest discount you can get with USAA is 90 percent-however, that discount is reserved for military members that are deployed and need to store their vehicle while they are out of the country.
The discounts provided by auto insurance providers also target particular categories of drivers, so be sure to inquire if there are any extra discounts when you get your USAA and Allstate quotes.
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What types of auto insurance coverages are offered by Allstate and USAA?
Since both Allstate and USAA are two of the 10 companies that make up the majority of the auto insurance market share, they have the means to provide a broader range of coverages for auto insurance that go beyond the six standard coverages mentioned below. Before buying each one, make sure you understand your options in auto insurance coverage.
- Liability auto insurance coverage – bodily injury and property damage
- Comprehensive auto insurance coverage
- Collision auto insurance coverage
- Uninsured/Underinsured auto insurance coverage
- Medical Payments (MedPay) auto insurance coverage – particularly important in states that require no-fault auto insurance
- Personal Injury Protection (PIP) auto insurance coverage
Be sure to take a closer look at any specialty coverages such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and recreational vehicles such as ATVs or boats.
Does Allstate or USAA have better auto insurance mobile apps?
In the last decade or so, usage-based auto insurance has become an individualized standard, and all of the larger auto insurance providers have a driving app you can install into your car or uses telematic mechanisms in your smartphone.
A more general app is also offered by major auto insurance providers to allow you to access your policy, make adjustments, and pay your bill. Usually, in both the general app and the driving app, your Allstate insurance login or USAA login would be the same.
Read more about each of these companies’ usage-based auto insurance programs in our Allstate auto insurance review and our USAA auto insurance review.
How does Allstate and USAA auto insurance compare in financial strength and customer satisfaction?
It is a major financial commitment to buy car insurance, so you want to be sure you are choosing the right company that will have your back when you need it.
Before you make your decision, the financial strength of a company, consumer satisfaction with the claims process, and customer concerns should all be considered.
Insight into these factors is provided by the following three agencies:
A.M. Best scores companies based on their ability to meet their ongoing insurance obligations such as balancing premiums collected and claims paid. The highest score A.M. Best awards is Superior A++.
https://www.consumerreports.org/cro/index.htm collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and the USAA claims process, step by step. In their 2017 survey, 27 insurance companies were rated, and scores ranged between 86 to 96.
And the National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on total number of customers against total number of complaints. In 2017, the national average complaint ratio was 1. The lower the ratio, the better.
Let’s take a closer look at ratings from credible third-party agencies for Allstate and USAA.
Consumer Reports | Allstate | USAA |
---|---|---|
AM Best Rating | A+ | A++ |
Consumer Reports | 88 | 95 |
NAIC Company Complaint Ratio | 0.5 | 0.74 |
NAIC Total Complaints | 163 | 296 |
Both Allstate and USAA are highly rated when it comes to their financial history and futures. Customers that go through the claims process are much more satisfied with USAA than Allstate; however, an 88 is still a very strong score. Both companies manage their complaints well.
Ready to buy auto insurance? When you’re not sure which company to choose, you can always use our FREE comparison tool to compare auto insurance quotes from the auto insurance companies in your area.
Enter your ZIP code below to compare auto insurance rates.
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Rachael Brennan
Licensed Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.