Allstate vs. USAA: Which Offers More Affordable Auto Insurance Quotes (2024)
Since you've zoned in on Allstate and USAA, it's time to compare Allstate vs. USAA auto insurance rates, financial ratings, and discounts. While USAA is the cheaper car insurance company, it’s only available to U.S. veterans and their immediate families.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jul 8, 2024
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- USAA is only available to military veterans and their immediate families.
- Despite their market share, USAA is still cheaper than Allstate.
- Allstate provides more discounts than USAA auto insurance.
- Overall, USAA insurance has a better mobile app experience.
Allstate and USAA are two auto insurance giants that make billions per year, but how do Allstate vs. USAA auto insurance match up when comparing rates?
Our guide explains the pros and cons of Allstate and USAA, which company is cheapest, what discounts are available, and how each money performs financially. Ultimately, you’ll be more confident about finding cheap auto insurance quotes online.
Enter your ZIP code in the free comparison tool above to compare auto insurance quotes in your local area. For more information about Allstate vs. USAA, keep reading.
Allstate vs. USAA Auto Insurance: Pros and Cons
Pros and cons summarize the positive and negative parts of both companies. First, let’s talk about the advantages and disadvantages you can face from Allstate and USAA.
Comparing Pros and Cons of Allstate vs. USAA Auto Insurance| Allstate Pros | Allstate Cons | USAA Pros | USAA Cons |
|---|---|---|---|
| Lots of discounts that are easy to qualify for | Above average pricing in most states | Cheapest auto insurance rates | Insurance policies are only available to military members and their immediate families |
| Cutting edge programs like pay-per-mile and rideshare coverage | Not all programs are offered in all states | Awesome military discounts | Fewer auto insurance coverage options than other competitors |
| Local agent service plus easy web and mobile access | Online quoting will lead to agent solicitation by phone | ||
| Solid financial ratings | Consumer satisfaction ratings are below average |
Allstate’s pros and cons are more elaborate, but we found USAA’s pros and cons were minimal. Does that mean it’s better than Allstate? Not necessarily.
If you want a closer look at both companies, check out this Allstate Auto Insurance Review or USAA Car Insurance Review.
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Allstate vs. USAA Auto Insurance: Which company is the cheapest?
Before we show you auto insurance rates, let’s look at how and Allstate and USAA match up.
Allstate vs. USAA Summary| Summary | Allstate Auto Insurance Stats | USAA Auto Insurance Stats |
|---|---|---|
| Year Founded | 1931 | 1922 |
| Headquarters | 3075 Sanders Road Northbrook, IL 60062 | 9800 Fredericksburg Road San Antonio, TX 78288 |
| Available in how many states? | All States | All States |
| Direct Premiums | $23.8 Billion | $15.2 Billion |
| Market Share | 9% | 6% |
| Website | https://www.allstate.com/ | https://www.usaa.com/ |
Read more: Allstate Auto Insurance Review: Can you get affordable quotes?
Both companies are available in all 50 states. Allstate has a larger market share and more direct premiums. Based on that information alone, how can USAA compare to a much bigger company?
USAA is only available to veterans and their immediate families.
If you want a closer look at these companies, check out the Allstate auto insurance review..
Which is the cheapest by driving record?
Your driving record is one of the most important factors when determining auto insurance. So how do Allstate and USAA fit into all of this? Let’s compare car insurance rates for both companies below.
Monthly Allstate vs. USAA Auto Insurance Rates Based on Driving Record| Driving Record Summary | Allstate Monthly Auto Insurance Rates | USAA 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 |
Drivers with a clean record often enjoy the lowest insurance rates. When comparing car insurance quotes, it’s evident that USAA provides the most competitive pricing for those with clean driving histories. Surprisingly, even USAA’s rates for DUI-related auto insurance are more affordable than what Allstate offers for drivers with pristine records. If you’re interested in exploring USAA’s classic car insurance options or getting online car insurance quotes from Allstate, visit their respective websites. You can also request a personalized car insurance quote from Allstate or get a quote for flood insurance from USAA directly through their customer service.
Which is cheapest by vehicle?
Your vehicle is one of the most significant factors in auto insurance. How it affects Allstate vs. USAA auto insurance rates depends on your car.
Enter your ZIP code in one of our comparison tools and use your vehicle’s make and model year to compare Allstate vs. USAA auto insurance quotes based on your car.
Which is the cheapest by credit score?
Did you know your credit score can determine how much you pay for car insurance? According to Experian, auto insurance companies issue cheaper rates to consumers who have good or excellent credit because they correlate to filing fewer claims.
How do credit scores affect Allstate and USAA auto insurance? Let’s look at the car insurance rates based on credit score.
Monthly Allstate vs. USAA Auto Insurance Rates Based on Credit Scores| Credit Score Summary | Allstate Monthly Auto Insurance Rates | USAA Monthly Auto Insurance Rates |
|---|---|---|
| Good Credit (670-739) | $322 | $152 |
| Fair Credit Score (580-669) | $382 | $185 |
| Poor Credit Score (300-579) | $541 | $308 |
USAA car insurance is cheaper than Allstate’s. USAA’s most expensive car insurance rate is even less expensive than Allstate’s car insurance rate based on credit.
Which is cheapest by age and gender?
Age and gender are two major factors in determining auto insurance costs. Male drivers usually take more risks than female drivers, making their insurance more expensive on average, and married drivers file fewer claims than single drivers.
What do auto insurance rates look like for Allstate and USAA when you compare these demographics?
Let’s examine Allstate vs. USAA insurance based on these factors.
Monthly Allstate vs. USAA Auto Insurance Rates Based on Age, Gender, and Marital Status| Age, Gender, and Marital Status | Allstate Monthly Auto Insurance Rates | USAA 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 |
As expected, 60-year-old drivers pay the least for auto insurance. Teen drivers, as usual, pay the most.
Why?
Teen drivers are the least experienced and have higher chances of being involved in an accident. However, discounts can lower teen auto insurance rates. Ask your auto insurance provider for more details on this.
Which is cheapest by coverage level?
A coverage level describes your coverage limits for liability auto insurance. The minimum car insurance requirements are the lowest you can go. However, Allstate and USAA may recommend a higher coverage level if your state carries a low coverage limit.
Let’s review the cost of Allstate and USAA car insurance by coverage level.
Monthly Allstate vs. USAA Auto Insurance Rates Based on Coverage Level| Coverage Level Summary | Allstate Monthly Auto Insurance Rates | USAA Monthly Auto Insurance Rates |
|---|---|---|
| Low Coverage Level (Depends on State) | $386 | $200 |
| Medium Coverage Level (50/100/50) | $408 | $212 |
| High Coverage Level (100/300/100) | $428 | $222 |
Allstate continues to be a much more expensive company. USAA car insurance rates are much cheaper.
Which is cheapest by commute mileage?
The commute mileage is the number of miles you’re estimated to travel during the policy. If your vehicle is used for general driving purposes, you may pay more for auto insurance.
Let’s look at the cost of Allstate and USAA car insurance based on commute mileage.
Monthly Allstate vs. USAA Auto Insurance Rates Based on Commute Mileage| Estimated Commute Mileage/ Annual Mileage | Allstate Monthly Auto Insurance Rates | USAA Monthly Auto Insurance Rates |
|---|---|---|
| 10 Miles Commute (6,000 miles/yr) | $403 | $207 |
| 25 Miles Commute (12,000 miles/yr) | $411 | $216 |
Both companies show a small increase in auto insurance rates when customers drive more. However, USAA remains the cheaper company overall.
Allstate vs. USAA Auto Insurance Coverage Options
Do you want an auto insurance company with more coverage options? Comparing Allstate vs. USAA car insurance options could be a deciding factor.
Although low prices help your budget, an auto insurance provider with versatility can be even better. Let’s compare Allstate and USAA auto insurance coverages.
Allstate and USAA Auto Insurance Coverage Comparison| Allstate Auto Insurance Coverages | USAA Auto Insurance Coverages |
|---|---|
| Collision coverage | Collision Coverage |
| Comprehensive coverage | Comprehensive Coverage |
| Bodily Injury Liability | Liability Coverage |
| Property Damage Liability | Uninsured & Underinsured Motorist Coverage |
| Uninsured & Underinsured Motorist Coverage | Full Coverage |
| Rental Reimbursement Coverage | Roadside Assistance |
| Personal Umbrella Policy | Personal Injury Protection |
| Personal Injury Protection | Rental Car Reimbursement |
| Sound System Insurance | |
| Roadside Assistance | |
| Classic Auto Insurance | |
| Travel Auto Insurance to Mexico |
In terms of auto insurance coverage, Allstate emerges as the preferred choice. While USAA offers a robust selection, it does not provide classic auto insurance or travel insurance to Mexico. For more information, explore USAA’s dental insurance offerings and Mexico car insurance.
Allstate vs. USAA Insurance Products
Maybe you’re looking for a little more than auto insurance. Allstate and USAA sell more insurance products. These two companies are massive producers of other insurance services, which we’ve managed to compile in a list below.
Comparing Allstate and USAA Insurance Products| Insurance Products | Allstate Availability | USAA Availability |
|---|---|---|
| Aviation Insurance | ✔ | |
| Business Insurance | ✔ | ✔ |
| Car Insurance | ✔ | ✔ |
| Car Purchase Financing | ✔ | |
| Collectibles Insurance | ✔ | ✔ |
| Collector Car Insurance | ✔ | |
| Condo Insurance | ✔ | ✔ |
| Dental Insurance | ✔ | |
| Farm And Ranch Insurance | ✔ | ✔ |
| Fixed Annuities | ✔ | ✔ |
| Flood Insurance | ✔ | ✔ |
| Homeowners Insurance | ✔ | ✔ |
| Landlord Insurance | ✔ | ✔ |
| Life Insurance | ✔ | ✔ |
| Major Medical | ✔ | ✔ |
| Medicare | ✔ | ✔ |
| Mobile Home Insurance | ✔ | ✔ |
| Mobile Phone Protection | ✔ | |
| Motorcycle Insurance | ✔ | ✔ |
| Motorhome Insurance | ✔ | ✔ |
| Pet Insurance | ✔ | ✔ |
| Rental Property Insurance | ✔ | ✔ |
| Renters Insurance | ✔ | ✔ |
| Retirement Planning | ✔ | ✔ |
| Rideshare Insurance | ✔ | ✔ |
| Roadside Assistance Coverage | ✔ | ✔ |
| RV Insurance | ✔ | ✔ |
| Small Business Insurance | ✔ | ✔ |
| Travel Insurance | ✔ | |
| Umbrella Insurance | ✔ | ✔ |
| Valuable Personal Property Insurance | ✔ | ✔ |
| Vision Insurance | ✔ | |
| Watercraft Insurance | ✔ | ✔ |
Allstate may have more auto insurance coverage options, but USAA has more insurance products to offer.
Read more: What information do I need to file an auto insurance claim with Allstate?
If you want to add more to your policy online, create an Allstate or USAA login for your account. With a USAA or Allstate insurance login, you can manage your policy, sign up for new services, and even file USAA or Allstate claims online.
Read more: What information do I need to file an auto insurance claim with USAA?
Allstate vs. USAA Auto Insurance: Who has more discounts?
One of the best methods to reduce expensive car insurance is through discounts. Auto insurance discounts can bring you closer to cheap auto insurance. How do Allstate discounts compare to USAA discounts? Let’s examine the available discounts for Allstate vs. USAA.
Comparing Allstate and USAA Auto Insurance Discounts| Auto 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% |
Although Allstate car insurance is more expensive, it has more discounts than USAA. If you can qualify for more than one Allstate auto insurance discount, you may be able to get insurance rates that rival USAA’s.
Bundling Renters or Homeowners Insurance
Did you know you can bundle your car insurance with renters or homeowners insurance? Bundling insurance policies can save you money on your auto insurance premiums per year.
When you bundle homeowners insurance with Allstate auto insurance, you could pay up to $240 per month. However, USAA customers who happen to be homeowners will only pay $120 per month to bundle their home and auto insurance policies.
Bundling your renters insurance with Allstate auto insurance is $4 cheaper and $2 less expensive with USAA.
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Allstate vs. USAA Auto Insurance: Financial Strength and Credit Ratings
Affordable premiums can ease your finances, while customer reviews provide confidence in your choice. When considering insurance options, it’s crucial to get a motorcycle insurance quote from USAA to explore competitive rates tailored for military members. Similarly, if you’re renting, obtaining renters insurance quotes from Allstate allows you to compare coverage options and costs. Additionally, it’s beneficial to compare The General to USAA to see which insurer offers better rates and coverage that suits your needs. Evaluating these factors alongside financial strength and credit ratings ensures you’re selecting an insurer that effectively manages finances and prioritizes customer satisfaction.
We researched the best financial strength and credit rating agencies and found the most reliable ratings on the web. Let’s compare Allstate vs. USAA ratings.
Allstate vs. USAA Financial Strength and Credit Ratings| 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 |
Overall, USAA’s ratings are much better than Allstate’s ratings. However, Allstate has a better NAIC Complaint Index.
Allstate vs. USAA Auto Insurance: Mobile App Ratings
Smartphone applications have become indispensable for today’s consumers, enhancing convenience and accessibility. Both Allstate and USAA provide dedicated apps, enabling customers to effortlessly manage their policies, explore USAA’s antique car insurance options, and obtain an online quote for USAA auto insurance. These apps empower users to navigate their insurance needs efficiently, ensuring they can easily access and adjust their coverage on the go. Whether comparing car insurance options or exploring specialized coverage like antique car insurance, these apps streamline the process, making insurance management simpler and more user-friendly.
Mobile apps are available on Apple App Store and Google Play Store. But how do customers rate these mobile apps? Let’s look at the star ratings of both companies.
Allstate vs. USAA Mobile App Reviews| Smart Device Stores/Systems | Allstate Mobile App Star Ratings | USAA Mobile App Star Ratings |
|---|---|---|
| Apple App Store (iOS) | 5 stars | 4 stars |
| Google Play Store (Android) | 4 stars | 5 stars |
Allstate and USAA receive favorable ratings on both iOS and Android platforms. USAA tends to excel on Android, whereas Allstate performs better on iOS.
For those looking to get a quote for car insurance from Allstate or receive online quotes for USAA auto insurance, these platforms offer convenient options to explore.
Allstate vs. USAA Auto Insurance: The Bottom Line
USAA is cheaper than Allstate, but Allstate has more coverage options and more discounts. Also, you won’t be able to get a USAA policy unless you’re in the military or in the immediate family of someone who’s a veteran.
Now that you know how to compare auto insurance quotes, you can apply what you learned to Allstate vs. USAA auto insurance.
If you’re having second thoughts about Allstate vs. USAA auto insurance quotes, enter your ZIP code in the free online quote tool below to compare multiple companies in your local area.
Frequently Asked Questions
How does USAA compare to Allied?
USAA typically provides affordable rates and excellent customer satisfaction, especially tailored for military personnel and their families. In contrast, Allied Insurance offers more widespread accessibility, yet pricing and coverage options may differ. If you’re looking to find insurance cheaper than USAA or need a homeowners insurance quote from USAA, these differences are important to consider.
What are the differences between USAA and Allstate home insurance?
Both USAA and Allstate provide extensive homeowners insurance, but USAA caters exclusively to military members and their families, whereas Allstate serves a wider range of customers. Rates and specific coverage options can differ between the two insurers. If you’re looking for specific coverage or comparing rates, you can get a free online quote for Allstate auto insurance, explore landlord insurance options from USAA, and find insurance options that may be cheaper than Allstate.
How does USAA stack up against American Family Insurance?
USAA typically offers more affordable premiums and greater customer satisfaction by prioritizing military members and their families. In contrast, American Family Insurance provides a broader array of insurance products and services aimed at a broader customer base. For specific details, read reviews of USAA pet insurance and reviews of USAA’s RV insurance.
Does USAA offer price matching for insurance quotes?
USAA typically does not promote a policy for matching prices on insurance quotes. Instead, they offer competitive rates and discounts tailored specifically for military service members. If you’re looking to estimate the cost of renters insurance with USAA or request a renters insurance quote from them, or explore their travel insurance options, or get a vehicle insurance quote from USAA, their offerings cater well to military members and their families.
What are the differences between USAA and Geico?
USAA and Geico are highly respected insurance providers. USAA caters exclusively to military personnel and their families, offering specialized services. In contrast, Geico serves the general public, providing a wide range of insurance options. Rates, discounts, and specific coverage offerings can vary significantly between the two. If you’re interested, you can access USAA’s mobile site and get a motorcycle insurance quote directly from USAA.
How does USAA compare to Infinity Insurance?
USAA generally provides higher customer satisfaction and competitive rates designed for military personnel and their families. When comparing homeowners insurance quotes from USAA and evaluating USAA insurance rates with others, Infinity Insurance, catering to a wider customer base, may offer varied pricing and coverage options.
USAA vs. Liberty Mutual: Which insurance company offers better coverage?
USAA receives top ratings for customer service and offers tailored coverage specifically designed for military families. On the other hand, Liberty Mutual offers a diverse array of insurance products, appealing to a wide audience with varying coverage needs. If you’re looking to get car insurance quotes from USAA or compare Liberty Mutual to USAA, these factors could influence your decision based on your specific insurance needs.
How does USAA compare to Mercury Insurance?
Both USAA and Mercury Insurance provide competitive rates, yet USAA’s specialized focus on military members and their families often leads to more customized coverage options and discounts. In contrast, Mercury Insurance serves a wider range of customers, offering diverse coverage options. If you’re looking to bundle your insurance, get a bundle quote from USAA, or estimate your car insurance costs with USAA, consider comparing Mercury Insurance to USAA for the best fit.
How does USAA homeowners insurance compare to State Farm’s?
USAA and State Farm both offer comprehensive homeowners insurance, but USAA is exclusive to military members and their families, while State Farm serves a broader demographic. Coverage details and rates may vary between the two.
How does Allstate compare to American Family Insurance?
Allstate and American Family Insurance both offer a wide range of insurance products. Allstate is known for its strong agent network and diverse coverage options, while American Family Insurance focuses on personalized service and customer relationships.
What are the differences between Allstate and Erie Insurance?
Comparing Erie Insurance to Allstate reveals both are respected insurers with high customer service ratings. Allstate boasts extensive market reach and a diverse array of insurance options. Meanwhile, Erie Insurance is renowned for its personalized service and competitive rates, particularly in specific geographical areas.
How does Allstate home insurance compare to Geico’s?
When comparing USAA auto insurance to Geico, USAA is noted for its tailored coverage and customer service designed for military members and their families. Allstate, on the other hand, is recognized for its extensive agent network and personalized service. Geico typically offers competitive rates and may appeal to customers looking for online-based service and convenience.
Allstate vs. Mercury: Which insurance company offers better coverage?
Allstate and Mercury Insurance both offer comprehensive coverage options. Allstate has a larger agent network and may offer more personalized service, while Mercury Insurance provides competitive rates and various coverage options tailored to customer needs.
How does Allstate homeowners insurance compare to USAA’s?
Allstate and USAA both offer homeowners insurance, but USAA is exclusive to military members and their families, while Allstate serves a broader customer base. Coverage options, rates, and discounts may vary between the two insurers.
What are the differences between Allstate and Progressive auto insurance?
Allstate and Progressive are both well-known auto insurers with diverse coverage options. Allstate emphasizes personalized service through its agent network, while Progressive is known for competitive rates and innovative policy features like Snapshot.
How much cheaper is USAA auto insurance?
USAA auto insurance is often significantly cheaper compared to many other insurers, especially for military members and their families who qualify. The exact amount of savings can vary based on factors like your location, driving history, and the specific coverage options you choose. It’s recommended to get a personalized quote from USAA to see how much you could save compared to other insurers.