Allstate vs. USAA: Best Auto Insurance for 2023

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.

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.

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.

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.

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.

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.

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