Allstate vs. USAA Car Insurance: Expert Recommended (2023)
When comparing Allstate vs. USAA, eligibility is the first thing to consider, as USAA is only open to military members and their families. USAA consistently ranks in country's the top three car insurance providers for client satisfaction, and has lower rates than Allstate. Allstate and USAA ratings are similar, but USAA edges out Allstate in most comparisons.
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
UPDATED: May 9, 2023
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Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: May 9, 2023
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 are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- USAA and Allstate are among the country’s top auto insurance companies and provide insurance to drivers in every state
- Allstate and USAA insure many types of vehicles, homes, property, and more
- USAA does not insure civilians, and membership is only open to current and former honorably discharged military members and their families
If your car insurance research has narrowed to Allstate vs. USAA, there are some important details about each company to be aware of. The review that follows takes a close look at common questions about coverage details and discounts from both providers.
Allstate and USAA insure drivers all across America and have comparable coverage and discounts. The two are among the best insurance companies in the country. Let’s take a look at each companies auto policies, customer satisfaction ratings, financial strength ratings, auto insurance discounts, and insurance premiums.
Before you learn more about how Allstate and USAA stack up, see how much money you could be saving. Compare auto insurance quotes today by entering your ZIP code into our comparison tool.
How do Allstate and USAA auto insurance rates compare?
Auto insurance rates from any company will depend on a lot of different factors, including where you live and what’s on your driving record. To take a look at Allstate vs. USAA auto insurance rates, we’ll start with averages for a clean driving record compared to several common violations.
| Driving Record Summary | Allstate Monthly Auto Insurance Rates | USAA Monthly Auto Insurance Rates |
|---|---|---|
| Clean Driving Record | $318 | $161 |
| With One Speeding Violation | $374 | $183 |
| With One Accident | $416 | $210 |
| With One DUI | $522 | $292 |
Next, let’s see how Allstate vs. USAA auto insurance quotes compare based on age, gender, and marital status.
| Age, Gender, and Marital Status | Allstate Monthly Auto Insurance Rates | USAA Monthly Auto Insurance Rates |
|---|---|---|
| Single 17-year-old female | $774 | $401 |
| Single 17-year-old male | $887 | $449 |
| Single 25-year-old female | $285 | $166 |
| Single 25-year-old male | $298 | $177 |
| Married 35-year-old female | $263 | $129 |
| Married 35-year-old male | $260 | $128 |
| Married 60-year-old female | $243 | $121 |
| Married 60-year-old male | $249 | $121 |
USAA’s rates are cheaper across the board, and often significantly cheaper at that.
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What is included with a basic car insurance policy from Allstate or USAA?
Since Allstate and USAA are such large companies, drivers can expect coverage options to match. Their basic policies each have options to include the following types of auto coverage:
- Bodily injury liability coverage and property damage liability insurance
- Personal Injury Protection and Medical Payments
- Uninsured/Underinsured Motorist coverage
- Collision coverage
- Comprehensive insurance coverage
Wherever you live, Allstate and USAA will both offer the minimum coverage required by law in your state at competitive rates.
What additional coverage do Allstate and USAA offer?
Many drivers choose to purchase additional coverage add-ons so that they can ensure their vehicle is covered no matter the scenario.
Allstate and USAA insurance both have many different additional coverage options to choose from. The following is an overview, and options will differ by state.
Drivers insured with Allstate can choose to upgrade their policies to include roadside assistance, personal umbrella policies, sound system insurance, and rental reimbursement among other options.
Allstate’s Claim Satisfaction is included at no additional cost. If drivers aren’t happy with a claim they can get their money back with no questions asked. Allstate also has an app called Drivewise that lets safe drivers earn cash rewards.
Shoppers looking for additional information can read a comprehensive Allstate review.
USAA gives drivers the option of adding accident forgiveness onto their policies which is free for drivers who go five years without an accident. Rideshare insurance, roadside assistance, and personal injury protection can also be added to policies.
Our USAA insurance review gives a thorough overview of company history, policy options and average rates.
What discounts are available from USAA Insurance and Allstate Insurance?
Allstate and USAA each have more than a dozen different discounts for qualifying drivers. Take a look below to see just some of the discounts available from USAA and Allstate insurance.
Allstate has discounts for:
- New vehicles
- Safe drivers
- Anti-theft devices
- Anti-lock brakes
- Good students
- Policy bundles
- Paperless billing
- On-time payments
USAA Ihas discounts for:
- Defensive drivers
- Good grades
- Drivers reporting yearly mileage under a certain threshold
- Long-term policyholders
- Safe drivers
- Policyholders with multiple policies
- Vehicles stored on military bases
- Family members of policyholders
Please note that discounts can change by region and driving history.
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How are Allstate and USAA rated?
J.D. Power, an independent firm that does market research, consistently ranks USAA as one of the top two insurance providers when it comes to client satisfaction.
Allstate doesn’t rank as well as USAA for claim satisfaction, though some drivers may prefer having a personal agent they can contact with questions and concerns.
Take a look at a ratings comparison of both companies from top agencies below.
| Agency | Allstate Ratings | USAA Ratings |
|---|---|---|
| AM Best | A+ (Excellent) | A++ (Superior) |
| Better Business Bureau (BBB) | A+ | A+ |
| Moody's | A3 (Good) | Aa1 |
| S&P | AA- (Very Good) | AA+ (Excellent) |
| NAIC Complaint Index | 0.41 | 1.8 |
| J.D. Power - Power Circle Ratings | About Average | Among The Best |
| Consumer Reports | 88 | 95 |
USAA generally ranks higher across the board, including with A.M. Best.
Do Allstate and USAA provide insurance in my state?
Allstate and USAA insure drivers in all 50 states and the District of Columbia. Exact coverage choices and discounts may be different from state to state but drivers can purchase at least basic coverage in every state.
Allstate has over 19,000 agents across the country and they focus on providing service to drivers locally. Even those who sign up online are assigned an agent in their region which may be a benefit for drivers who want a personal connection with their agent.
However, drivers aren’t required to take care of all their insurance needs through their agent. Allstate’s 24/7 claim center and mobile app allow drivers to report accidents, file claims, and make policy changes.
Though USAA has car insurance coverage in every state and some international locations, it is only available to drivers who have a military connection. Only honorably discharged veterans, active military members, and their families qualify for insurance from USAA. What does USAA stand for? USAA is an acronym for United Services Automobile Association, and the company was founded in 1922.
USAA doesn’t have the wide-ranging local agent network that Allstate does. Most of their policies are sold and managed over the phone or online. USAA has an online claim center, mobile app, and community portal for its members.
Allstate vs. USAA: The Bottom Line
Both Allstate and USAA have major companies with good ratings. USAA is the cheaper option, but might not be available to you if you aren’t a military member.
While you consider what you’ve learned about Allstate and USAA, shop around. Enter your ZIP code into our free quote tool and start comparing quotes right now.
Frequently Asked Questions
What is Allstate car insurance?
Allstate is a major car insurance company in the United States. It provides various types of auto insurance coverage, including liability, collision, comprehensive, and personal injury protection.
What is USAA car insurance?
USAA is a financial services company that primarily serves members of the military and their families. USAA offers a range of insurance products, including car insurance.
How do Allstate and USAA compare in terms of customer satisfaction?
According to J.D. Power’s 2021 U.S. Auto Insurance Study, USAA ranks highest in overall customer satisfaction among auto insurers for the seventh consecutive year, while Allstate ranks above the industry average.
How do Allstate and USAA compare in terms of coverage options?
Both Allstate and USAA offer similar types of coverage, including liability, collision, comprehensive, and personal injury protection. However, USAA also offers some additional benefits to military members, such as coverage for uniforms and overseas deployment.
How do Allstate and USAA compare in terms of pricing?
It’s difficult to make a direct comparison between Allstate and USAA’s pricing, as premiums are influenced by various factors such as the driver’s age, location, and driving history. However, USAA is known for offering competitive rates, and some military members may qualify for additional discounts.
Which company is better: Allstate or USAA?
Both Allstate and USAA have their own strengths and weaknesses. Allstate may be a good choice for drivers who want a wider range of coverage options and don’t have a military connection, while USAA may be a better fit for military members and their families. Ultimately, the best choice will depend on your individual needs and preferences.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Leslie Kasperowicz
Farmers CSR for 4 Years
Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...
Farmers CSR for 4 Years
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.