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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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: May 11, 2021

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Just the Basics

  • Allstate is available for all customers, but USAA is only available to military members, veterans, and their immediate families.
  • USAA insurance is $197 cheaper per month than Allstate insurance.
  • Allstate is more expensive but carries more coverage options than USAA car insurance.
  • USAA has a stronger financial strength rating overall.

Are you considering Allstate and USAA as you narrow down your car insurance choices?

You’ve come to the right place. Our Allstate vs. USAA car insurance guide explains how various factors determine car insurance costs at both companies, what coverage options are available, and how these two companies compare when looking at third-party ratings from top agencies.

Read on to learn more about Allstate vs. USAA car insurance quotes, and enter your ZIP code in the free comparison tool above to compare multiple car insurance companies in your area.

Allstate vs. USAA: Which company is cheapest?

USAA is the cheaper company. Allstate auto insurance is $408 per month on average, but USAA car insurance is $211 per month.

Comparing affordable USAA vs. Allstate car insurance rates is a good place to start, but factors that affect the price of car insurance vary for each person.

Continue reading to learn how these factors might affect your rates for Allstate and USAA auto insurance.

Allstate vs. USAA Car Insurance Rates: Which company is cheapest by age, gender, and marital status?

Car insurance companies believe that some demographics are riskier to insure than others. For instance, teen drivers pay a lot more for car insurance because they don’t have a lot of experience behind the wheel.

So, how do Allstate and USAA calculate car insurance rates based on these factors? Let’s compare.

Allstate vs. USAA Average Monthly Car Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Average Monthly Car Insurance RatesUSAA Average Monthly Car Insurance Rates
Married 60-year-old female$243$121
Married 60-year-old male$249$121
Married 35-year-old male$260$128
Married 35-year-old female$263$129
Single 25-year-old female$285$166
Single 25-year-old male$298$177
Single 17-year-old female$774$401
Single 17-year-old male$887$449
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Allstate auto insurance is hundreds of dollars more expensive for teen and young adult drivers. Teen drivers with USAA will pay essentially half what they would pay with Allstate.

Allstate vs. USAA Car Insurance Rates: Which company is cheapest by credit score?

Car insurance providers issue cheaper rates to customers who have good credit scores. Why? Again, it’s all about risk. Based on statistics, people with good credit are less likely to file an insurance claim.

How do USAA and Allstate estimate auto insurance rates based on credit? Let’s find out.

Allstate vs. USAA Average Monthly Car Insurance Rates by Credit Scores
Credit Score SummaryAllstate Average Monthly Car Insurance RatesUSAA Average Monthly Car Insurance Rates
Good Credit Score (670-739)$322$152
Fair Credit Score (580-669)$382$185
Poor Credit Score (300-579)$541$308
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USAA remains the cheaper company. If you’re insured with Allstate and your credit score drops, it might be a good idea to start looking at other insurance options.

If you’re a member of the military or veteran with poor credit, USAA is your best option if you want to save money.

Allstate vs. USAA Car Insurance Rates: Which company is cheapest by driving record?

One of the most critical factors when it comes to your car insurance rates is your driving record. Any violation on your driving record will raise your rates, it’s just a matter of how much.

So, how does the cost to buy Allstate vs. USAA car insurance look when you factor in your driving record? Let’s look at some sample rates.

Allstate vs. USAA Average Monthly Car Insurance Rates by Driving Records
Driving Record SummaryAllstate Average Monthly Car Insurance RatesUSAA Average Monthly Car Insurance Rates
Clean Driving Record$318$161
With 1 Speeding Violation$374$183
With 1 Accident$416$210
With 1 DUI$522$292
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As you can see, USAA will be cheaper than Allstate regardless of your driving record. Both companies will penalize you harshly for getting a DUI, but your rates with Allstate will go up by over $100.

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What car insurance discounts do Allstate and USAA offer?

Auto insurance rates can increase for every policy period, but you can secure cheap rates through discounts.

Although civilians can’t access USAA insurance policies, you can still save money through Allstate.

Let’s compare Allstate and USAA special and standard car insurance discounts.

Allstate vs. USAA Car Insurance Discounts
Car Insurance Discount NameAllstate Discount ValuesUSAA Discount Values
Accident Forgiveness30%Varies
Anti-lock Brake Discount10%Varies
Anti-Theft Device Discount10%20%
Daytime Running Lights DiscountN/AVaries
Deductible discountVariesN/A
Defensive Driver Discount20%Varies
Driving training discountVariesVaries
Early Quote Discount10%N/A
E-billing Discount10%N/A
EV/Hybrid Discount10%N/A
Family DiscountVaries10%
Farm Vehicle Discount10%N/A
Good Driver Discount10%10%
Good Payer Discount5%N/A
Good Student Discount10%Varies
Low Mileage Discount10%Varies
Loyalty DiscountN/AVaries
Military DiscountN/A15%
Multiple Policy Discount10%9%
Multiple Vehicle Discount10%13%
New Car Discount15%Varies
Paid in full discount10%N/A
Paperless documents discountVariesN/A
Passive Restraint Discount10%15%
Preferred payment discount5%N/A
Prepay Discount10%N/A
Senior Adult Discount5%N/A
Student Away at School Discount5%20%
teenSMART Discount35%Varies
Utility Vehicle DiscountVariesN/A
Vehicle Storage DiscountN/A60%
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USAA may be cheaper, but Allstate has more opportunities for customers to save money on car insurance. The more discounts you’re eligible for, the more you’ll save on car insurance premiums per month.

Comparing Allstate and USAA Car Insurance Coverage Options

Now that you have an idea of how much auto insurance costs at Allstate and USAA, it’s time to compare the available coverages at both car insurance companies.

Allstate vs. USAA Car Insurance Coverages
Allstate Car Insurance CoveragesUSAA Car Insurance Coverages
Collision coverageCollision Coverage
Comprehensive coverageComprehensive Coverage
Bodily Injury LiabilityLiability Coverage
Uninsured & Underinsured Motorist CoverageUninsured & Underinsured Motorist Coverage
Rental Reimbursement CoverageFull Coverage
Personal Umbrella PolicyRoadside Assistance
Personal Injury ProtectionPersonal Injury Protection
Sound System InsuranceRental Car Reimbursement
Roadside Assistance
Classic Auto Insurance
Travel Auto Insurance to Mexico
Property Damage Liability
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Allstate may have higher rates, but it has more coverage options than USAA. Many of these coverage options, such as classic auto insurance and sound system insurance, will have to be added at your request for an additional fee.

Allstate vs. USAA: Who has the better financial strength and customer experience ratings?

Before you decide on a policy, you should look at how rating agencies and other customers rate Allstate and USAA.

Financial strength and consumer satisfaction ratings reveal how well a company manages money and how well it handles customer service.

We’ve compiled ratings from the top insurance rating agencies to see which company is best. Let’s look at Allstate and USAA’s current grades.

Allstate vs. USAA Financial Strength and Customer Experience Ratings
AgenciesAllstate 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
Apple App Store (iOS)5 stars4 stars
Google Play Store (Android)4 stars5 stars
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USAA has overwhelmingly excellent ratings except for its consumer complaint data under the National Association of Insurance Commissioners (NAIC).

Under J.D. Power’s Auto Insurance Study and Claims Satisfaction Study, USAA is considered one of the best car insurance companies in the United States.

On the other hand, Allstate has a better consumer complaint ratio from the NAIC and has maintained strong mobile app ratings.

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Allstate vs. USAA: What’s the bottom line?

The company that’s best for you is the one that meets your insurance needs. USAA is only available to military members, veterans, and their immediate families, but Allstate is available to everyone — young adults, parents, senior citizens, etc.

Now that you know more about Allstate vs. USAA car insurance companies, why not compare auto insurance companies near you? Use our free online quote tool to see quotes available in your area.