Allstate vs. USAA Car Insurance (2022)

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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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Professor & Published Author D. Gilson, PhD

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...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 17, 2022

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The Highlights

  • 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 SummaryAllstate Monthly Auto Insurance RatesUSAA 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
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Next, let’s see how Allstate vs. USAA auto insurance quotes compare based on age, gender, and marital status.

Age, Gender, and Marital StatusAllstate Monthly Auto Insurance RatesUSAA 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
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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.

AgencyAllstate RatingsUSAA Ratings
AM BestA+ (Excellent)A++ (Superior)
Better Business Bureau (BBB)A+A+
Moody'sA3 (Good)Aa1
S&PAA- (Very Good)AA+ (Excellent)
NAIC Complaint Index0.411.8
J.D. Power - Power Circle RatingsAbout AverageAmong The Best
Consumer Reports8895
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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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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