Allstate vs. USAA: Which Car Insurance Is Cheaper?
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UPDATED: Jun 2, 2021
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- Both Allstate and USAA have strong customer satisfaction ratings and a bright financial future
- USAA offers car insurance only to military affiliates and their immediate family members
- USAA car insurance rates are generally about half those of Allstate; however, Allstate has a wider variety of discounts that keep its rates competitive
This Allstate vs. USAA car insurance guide will analyze rates based on your unique qualities, like age, gender, marital status, driving record, and credit score.
Which company will provide the best and cheapest car insurance for you? To see which one suits your needs best, we will look at the pros and cons of Allstate vs. USAA car insurance companies.
Before jumping into this USAA vs. Allstate car insurance review enter your ZIP code to compare multiple companies in your area.
USAA vs. Allstate car insurance: Which is cheaper based on age?
Generally, the older we get, the more practice we have with driving. When calculating car insurance rates, providers use age as one of the most significant variables.
In most states, it is legal to base car insurance premiums on marital status and gender; some have banned this practice, however.
Let’s analyze affordable Allstate vs. USAA car insurance rates 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 car insurance rates are about half of what Allstate charges no matter your age, gender, or marital status.
Allstate vs. USAA car 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 car insurance premium, as these infractions make you look like a high-risk driver.
|Infraction||Allstate Average Annual Rates||USAA Average Annual Rates|
|With one speeding violation||$4,484||$2,193|
|With one accident||$4,988||$2,516|
|With one DUI||$6,261||$3,506|
Again, USAA car insurance rates are about half those of Allstate 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% 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%.
Allstate vs. USAA car insurance: Which is cheaper based on credit score?
If you undergo some sort of financial trauma, such as incurring medical debt or going through a divorce, your good credit score will drop in a matter of months.
It is legal for car insurance providers to base premiums on your credit score in most states; however, some have banned this practice along with gender and marital status dependent rates.
Car insurance providers justify using your credit score to decide your rates based on the premise that people with higher credit scores are more responsible and less likely to file a claim.
Let’s take a look at how Allstate and USAA might set 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 this company is designed to offer discounted services to military 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. With Allstate, however, your rates will increase by only 68%.
Remember: some states don’t allow car insurance companies to look at your credit score. Be sure to check out our car insurance by state page before judging Allstate and USAA car insurance rates based on credit score alone.
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Does Allstate or USAA have better car insurance discounts?
Discounts from car insurance providers vary widely, and they are typically based on a company’s principles and ideology.
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|
|Daytime Running Lights||2||n/a|
|Electronic Stability Control||2||n/a|
|On Time Payments||5||n/a|
Allstate has a much wider variety of car insurance discounts than USAA has to offer; so, even if you’re affiliated with the military, you may be able to save just as much with Allstate once you layer on the discounts.
You can save 20% to 45% with Allstate if you’re a safe driver, claim-free, a good student, a distant student, or you have a newer model car with airbags.
The highest discount you can get with USAA is 90%; however, that discount is reserved for military members who are deployed and need to store their vehicles while they are out of the country.
The discounts offered by car insurance providers also target particular categories of drivers, so be sure to ask if there are any extra discounts when you get your USAA and Allstate quotes.
What types of car 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 car insurance market share, they have the means to provide a broader range of coverages beyond the six standard coverages below.
Make sure you do your research before buying any type of car insurance coverage.
- Liability car insurance coverage (bodily injury and property damage)
- Comprehensive car insurance coverage
- Collision car insurance coverage
- Uninsured/underinsured car insurance coverage
- Medical payments (MedPay) car insurance coverage (particularly important in states that require no-fault car insurance)
- Personal injury protection (PIP) car insurance coverage
Be sure to take a closer look at any specialty coverages you might need, such as rental reimbursement, roadside assistance, guaranteed auto protection (GAP), mechanical breakdown, and insurance for recreational vehicles such as ATVs or boats.
Does Allstate or USAA have better car insurance mobile apps?
In the last decade or so, usage-based car insurance has become an industry standard, and all of the larger car insurance providers have an app for your phone or a telematic device you can install in your car to get a discount for safe driving.
A more general app is also offered by major car 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.
How does Allstate and USAA car insurance compare in financial strength and customer satisfaction?
It’s a major financial commitment to buy car insurance, so you want to be sure you’re 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 complaints 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++.
Consumer Reports collects annual data from its subscribers regarding customer satisfaction of the Allstate claims process and the USAA claims process, step by step.
In its 2017 survey, 27 insurance companies were rated, and scores ranged from 86 to 96.
The National Association of Insurance Commissioners (NAIC) calculates a complaint ratio based on the total number of customers vs. the total number of complaints.
In 2017, the national average complaint ratio was one. The lower the ratio, the better. Let’s take a look at ratings from credible third-party agencies for Allstate and USAA.
|AM Best Rating||A+||A++|
|NAIC Company Complaint Ratio||0.5||0.74|
|NAIC Total Complaints||163||296|
Both Allstate and USAA are highly rated when it comes to financial history and future.
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 complaints well.
Before you buy Allstate vs. USAA car insurance, enter your ZIP code to start comparing multiple car insurance companies in your local area.
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