Allstate vs. USAA Car Insurance for 2024
Allstate and USAA are leading car insurance companies, but USAA is $197 cheaper than Allstate. However, USAA car insurance is only available to military members, veterans, and their immediate families. Affordable Allstate car insurance rates will depend on personal factors that correlate to low risk. Compare Allstate vs. USAA car insurance quotes to secure the best rates.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
UPDATED: Mar 13, 2024
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- 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.
| Age, Gender, and Marital Status | Allstate Average Monthly Car Insurance Rates | USAA 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 |
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.
| Credit Score Summary | Allstate Average Monthly Car Insurance Rates | USAA 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 |
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.
| Driving Record Summary | Allstate Average Monthly Car Insurance Rates | USAA 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 |
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.
| Car Insurance Discount Name | Allstate Discount Values | USAA Discount Values |
|---|---|---|
| Accident Forgiveness | 30% | Varies |
| Anti-lock Brake Discount | 10% | Varies |
| Anti-Theft Device Discount | 10% | 20% |
| Daytime Running Lights Discount | N/A | Varies |
| Deductible discount | Varies | N/A |
| Defensive Driver Discount | 20% | Varies |
| Driving training discount | Varies | Varies |
| Early Quote Discount | 10% | N/A |
| E-billing Discount | 10% | N/A |
| EV/Hybrid Discount | 10% | N/A |
| Family Discount | Varies | 10% |
| Farm Vehicle Discount | 10% | N/A |
| Good Driver Discount | 10% | 10% |
| Good Payer Discount | 5% | N/A |
| Good Student Discount | 10% | Varies |
| Low Mileage Discount | 10% | Varies |
| Loyalty Discount | N/A | Varies |
| Military Discount | N/A | 15% |
| Multiple Policy Discount | 10% | 9% |
| Multiple Vehicle Discount | 10% | 13% |
| New Car Discount | 15% | Varies |
| Paid in full discount | 10% | N/A |
| Paperless documents discount | Varies | N/A |
| Passive Restraint Discount | 10% | 15% |
| Preferred payment discount | 5% | N/A |
| Prepay Discount | 10% | N/A |
| Senior Adult Discount | 5% | N/A |
| Student Away at School Discount | 5% | 20% |
| teenSMART Discount | 35% | Varies |
| Utility Vehicle Discount | Varies | N/A |
| Vehicle Storage Discount | N/A | 60% |
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.
Read more: How can I get Allstate accident forgiveness?
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 Car Insurance Coverages | USAA Car Insurance Coverages |
|---|---|
| Collision coverage | Collision Coverage |
| Comprehensive coverage | Comprehensive Coverage |
| Bodily Injury Liability | Liability Coverage |
| Uninsured & Underinsured Motorist Coverage | Uninsured & Underinsured Motorist Coverage |
| Rental Reimbursement Coverage | Full Coverage |
| Personal Umbrella Policy | Roadside Assistance |
| Personal Injury Protection | Personal Injury Protection |
| Sound System Insurance | Rental Car Reimbursement |
| Roadside Assistance | |
| Classic Auto Insurance | |
| Travel Auto Insurance to Mexico | |
| Property Damage Liability |
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.
Read more:
- Allstate vs. Nationwide Car Insurance
- Need Roadside Assistance? You’re in Good Hands with Allstate Roadside Assistance
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.
| Agencies | 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 |
| Apple App Store (iOS) | 5 stars | 4 stars |
| Google Play Store (Android) | 4 stars | 5 stars |
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.