Allstate vs. USAA: Which Offers More Affordable Auto Insurance Quotes (2023)
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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UPDATED: Jun 16, 2022
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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.
|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.
|Summary||Allstate Auto Insurance Stats||USAA Auto Insurance Stats|
|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|
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 Allstate’s auto insurance review and USAA’s 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.
|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|
A clean driving record produces the cheapest rates. Based on the car insurance rates, USAA is the most affordable company by driving record. Even USAA’s DUI-based auto insurance is less expensive than Allstate’s rate based on a clean driving record.
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.
|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.
|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.
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.
|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.
|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 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|
|Classic Auto Insurance|
|Travel Auto Insurance to Mexico|
When it comes to auto insurance coverage, Allstate is the winner. USAA has a solid selection, but it doesn’t carry classic auto insurance or travel insurance to Mexico.
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.
|Insurance Products||Allstate Availability||USAA Availability|
|Car Purchase Financing||✔|
|Collector Car Insurance||✔|
|Farm And Ranch Insurance||✔||✔|
|Mobile Home Insurance||✔||✔|
|Mobile Phone Protection||✔|
|Rental Property Insurance||✔||✔|
|Roadside Assistance Coverage||✔||✔|
|Small Business Insurance||✔||✔|
|Valuable Personal Property Insurance||✔||✔|
Allstate may have more auto insurance coverage options, but USAA has more insurance products to offer.
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.
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.
|Auto Insurance Discount Name||Allstate Discount Values||USAA Discount Values|
|Anti-lock Brake Discount||10%||Varies|
|Anti-Theft Device Discount||10%||20%|
|Daytime Running Lights Discount||N/A||Varies|
|Defensive Driver Discount||20%||Varies|
|Driving training discount||Varies||Varies|
|Early Quote Discount||10%||N/A|
|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|
|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|
|Senior Adult Discount||5%||N/A|
|Student Away at School Discount||5%||20%|
|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
Cheap rates help your budget, but reviews can reassure you that you’ve made the right decision. Financial strength and credit ratings explain how well a company manages money and how responsive companies are to consumers.
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.
|Agencies||Allstate Ratings||USAA Ratings|
|AM Best||A+ (Excellent)||A++ (Superior)|
|Better Business Bureau (BBB)||A+||A+|
|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|
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 apps have become essential to the consumer experience. Both Allstate and USAA provide customers with apps, so customers can access their policies and manage their usage-based insurance.
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.
|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 have good ratings on iOS and Android. USAA performs better on Android, while Allstate performs better on iOS.
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.