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: Jul 12, 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.
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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?
Secure Your Ride: USAA Car Insurance vs. Allstate Benefits
Obtaining a free USAA car insurance quote is the first step towards driving securely with comprehensive coverage and expert support. With USAA, you can drive with confidence and get your wheels covered. By choosing to get USAA car insurance, you’re ensuring that you receive top-notch service and protection.
USAA also offers accident forgiveness, making it easier for you to maintain your insurance without skyrocketing premiums after an accident. For those looking to explore their options, insurance quotes from USAA provide a clear picture of what you can expect in terms of coverage and cost.
On the other hand, Allstate offers competitive benefits, such as Allstate classic car insurance and Allstate rental car discounts, which can be appealing for specific needs. They even provide an Allstate teen driver discount, making it a viable option for families with new drivers. When comparing options, some may find alternatives cheaper than USAA or even better than USAA depending on individual circumstances.
Both companies provide USAA car insurance free quotes and Allstate insurance rental car discounts—allowing you to weigh your options and choose the best coverage for your needs.
Maximizing Savings: Comparing USAA and Allstate Insurance Discounts
Both USAA and Allstate offer a range of discounts and benefits to help customers save on their auto insurance. With USAA, students can take advantage of the good student discount, rewarding academic achievement with lower premiums.
It’s also beneficial to understand the average cost of USAA car insurance and average USAA auto insurance rates to see how competitive their offerings are. A thorough USAA insurance comparison can help you determine the best value for your needs.
Allstate, on the other hand, provides a variety of discounts to cater to different demographics. For students, the Allstate car insurance student discount and Allstate’s good student discount offer significant savings. Military personnel can benefit from the Allstate military discount, while seniors can enjoy the Allstate senior discount.
Additionally, Allstate offers specific savings with Allstate auto insurance discounts and competitive rates for those with a DUI history, as reflected in the Allstate’s DUI insurance rates. When shopping for coverage, obtaining an Allstate car insurance quote and an Allstate insurance estimate can provide a clear picture of potential savings and coverage options.
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Uncovering Savings: USAA and Allstate Insurance Benefits
When looking for reliable auto insurance, both USAA and Allstate offer a variety of benefits and discounts tailored to meet diverse needs. For those affiliated with USAA, obtaining a free car insurance quote from USAA is a straightforward way to start. You can drive with confidence and get your wheels covered with a USAA car insurance quote, ensuring comprehensive coverage and peace of mind.
USAA also prides itself on its exceptional USAA customer service, which is easily accessible through the USAA auto insurance phone number. Comparing USAA quotes for car insurance with other providers can help you make an informed decision about your coverage options.
On the other hand, Allstate provides a robust selection of discounts and policies designed to save you money. Seniors can benefit from Allstate discounts, while the Allstate low mileage discount rewards those who drive less. Military personnel can take advantage of the Allstate insurance military discount, and various Allstate car insurance discounts are available to suit different needs.
For comprehensive protection, consider the Allstate umbrella policy cost, which offers extended coverage beyond standard policies. By obtaining an Allstate car insurance estimate, you can get a clear picture of Allstate auto insurance rates and potential savings. The variety of Allstate discounts makes it a competitive choice for many drivers seeking affordable and reliable auto insurance.
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.
Frequently Asked Questions
How does USAA compare to Allstate?
USAA often offers better customer service and military-specific benefits, while Allstate provides a wider range of discounts for various demographics.
How does American Family compare to USAA?
American Family offers diverse policy options and discounts, whereas USAA excels in customer satisfaction and military-specific services.
How does Allstate compare to Nationwide?
Allstate is known for its extensive discount options, while Nationwide is praised for its comprehensive coverage and customer service.
How does Allstate compare to American Family?
Allstate provides a variety of discounts, whereas American Family is appreciated for personalized customer service and flexible policy options.
Is USAA insurance cheaper?
USAA insurance is often cheaper for military members due to exclusive benefits and discounts.
How does Allstate compare to Safe Auto?
Allstate offers more comprehensive coverage options and discounts, while Safe Auto focuses on affordable basic coverage.
Is USAA cheaper than Allstate?
USAA is typically cheaper for military members, but Allstate may offer competitive rates for civilians with multiple discounts.
How much is USAA car insurance?
The cost of USAA car insurance varies based on factors like driving history, location, and coverage needs.
Is USAA car insurance only for military?
Yes, USAA car insurance is primarily available to military members, veterans, and their families.
How does USAA insurance compare to others?
USAA is highly rated for customer satisfaction and offers unique benefits for military members, often at competitive rates.
Can civilians get USAA insurance?
Generally, USAA insurance is limited to military members, veterans, and their families, not civilians.
Does Allstate cover DUI accidents?
Yes, Allstate covers DUI accidents, but premiums may increase significantly afterward.
Does Allstate offer a military discount?
Yes, Allstate offers a military discount to active-duty and retired military personnel.