Compare Allstate vs. USAA Auto Insurance in 2021

Allstate and USAA are great insurance companies that are available across the United States. Keep in mind that USAA is available only to military affiliates and their immediate family members. Allstate auto insurance provides a wider variety of discounts, but USAA auto insurance is $196 cheaper than Allstate. Compare Allstate vs. USAA auto insurance to secure more affordable rates.

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Sara Routhier, Director of Outreach and Managing Editor of Features, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overw...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Mar 30, 2021

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A Concise Overview

  • USAA has cheaper auto insurance rates overall
  • Allstate Insurance Company has more discounts and auto insurance options
  • You can get more chances to bundle with other insurance products at USAA
  • Allstate’s NAIC complaint index is above average

You shopped around for insurance, and you’ve decided to compare Allstate vs. USAA auto insurance. Both companies offer a variety of auto insurance coverages, but which one is best for you?

Our Allstate vs. USAA auto insurance review explores which company is cheaper, what other insurance products are available, compares discounts, and further details that bring you closer to a confident decision.

Before you read more about Allstate vs. USAA auto insurance, see how much you could save right now. Start comparing the best companies in your area by entering your ZIP code in the free comparison tool above.

Allstate vs. USAA Auto Insurance: Which company is the cheapest?

The short answer is USAA is the more affordable company. Allstate car insurance is $407 per month on average, but USAA car insurance is $211 per month.

Although USAA is one of the best auto insurance companies in the United States, it’s only available to members of the U.S. Armed Forces and their immediate families. Allstate auto insurance quotes are available for everyone.

However, auto insurance rates vary for each person. Therefore, we’ll go through different factors that determine car insurance.

Which company is cheapest by the state?

Car insurance companies are best when they can provide services in multiple areas across the United States.

Since Allstate and USAA are known for their country-wide availability, we’ll show you Allstate vs. USAA auto insurance rates based on location.

Allstate vs. USAA Monthly Auto Insurance Rates by State
StatesAllstate Monthly Auto Insurance RatesUSAA Monthly Auto Insurance Rates
Alabama$276$177
Alaska$262$205
Arizona$409$257
Arkansas$429$181
California$378$224
Colorado$461$278
Connecticut$486$266
Delaware$526$194
District of Columbia$539$215
Florida$620$238
Georgia$351$263
Hawaii$181$99
Idaho$341$156
Illinois$434$231
Indiana$332$136
Iowa$247$154
Kansas$334$199
Kentucky$595$241
Louisiana$500$363
Maine$306$161
Maryland$436$229
Massachusetts$226$122
Michigan$1,909$302
Minnesota$378$238
Mississippi$412$171
Missouri$341$210
Montana$389$169
Nebraska$267$194
Nevada$448$256
New Hampshire$227$159
New Jersey$476Data Not Available
New Mexico$350$191
New York$395$313
North Carolina$599Data Not Available
North Dakota$389$167
Ohio$266$123
Oklahoma$310$265
Oregon$397$216
Pennsylvania$332$149
Rhode Island$413$360
South Carolina$325$285
South Dakota$394Data Not Available
Tennessee$402$228
Texas$457$207
Utah$297$208
Vermont$266$159
Virginia$282$155
Washington$295$189
West Virginia$318$165
Wisconsin$405$248
Wyoming$364$232
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Overall, USAA car insurance is less expensive than Allstate car insurance. The most expensive state for an Allstate quote is Michigan.

Which company is cheapest by age, gender, and marital status?

Have you ever wondered why auto insurance goes up when you add a teen driver? Young adult and teen drivers generate costly car insurance rates because they’re at a higher risk of getting into an accident.

What about drivers between 25 and 39 years old? Examine the auto insurance rates below to see how auto insurance is affected by age, gender, and even marital status.

Allstate vs. USAA Monthly Auto Insurance Rates by Age, Gender, and Marital Status
Age, Gender, and Marital StatusAllstate Monthly Auto Insurance RatesUSAA Monthly Auto 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 rates are hundreds of dollars more than USAA. Senior drivers pay the least for car insurance at both insurance companies.

Which company is cheapest by driving record?

If you maintain a clean driving record, car insurance companies will issue cheaper than average premiums per month. However, traffic violations and accidents are a sure way to drive up auto insurance rates.

Let’s look at how Allstate and USAA calculate car insurance based on driving history.

Allstate vs. USAA Monthly Auto Insurance Rates by Driving Record
Driving Record SummaryAllstate Monthly Auto Insurance RatesUSAA Monthly Auto Insurance Rates
Clean Driving Record$318$161
With 1 Accident$416$210
With 1 DUI$522$292
With 1 Speeding Violation$374$183
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Of course, a clean driving record produces the cheapest rates for either company. However, USAA is still a more affordable company. Accidents and DUIs create the biggest jumps in cost.

Which company is cheapest by vehicle?

Your auto insurance rates can even be determined by the vehicle you drive. But there are so many make and model years out there.

What’s clear is that your car insurance will be cheaper if you want to insure an older model year. Some vehicles have more safety features than other trims so that you can save more per month just for those added perks.

Let’s look at an example.

  • 2015 Ford F-150 – $369/mo at Allstate; $213/mo at USAA
  • 2018 Ford F-150 – $458/mo at Allstate; $238/mo at USAA

See how car insurance rates increase when the model year is closer to the current year. However, USAA provides cheaper rates than Allstate.

Which company is cheapest by credit score?

Did you know car insurance providers look at your credit score when you buy a car insurance policy?

According to Experian, credit score correlates to the risk of filing a claim. Therefore, a good credit score is associated with fewer chances to file a claim, but poor credit correlates to a higher risk of filing a claim.

Let’s review how Allstate and USAA respond to credit scores from customers.

Allstate vs. USAA Monthly Auto Insurance Rates by Credit Score
Credit Score SummaryAllstate Monthly Auto Insurance RatesUSAA Monthly Auto Insurance Rates
Fair Credit Score (580-669)$382$185
Good Credit (670-739)$322$152
Poor Credit Score (300-579)$541$308
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USAA is $200 cheaper than Allstate. If you were leaning toward a more cost-efficient car insurance policy, USAA would be the best choice. But USAA isn’t available for everyone.

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What other products are available at Allstate and USAA?

Comparing Allstate vs. USAA auto insurance quotes isn’t the only important detail you should know. Always be aware of what your auto insurance company can provide for you. More insurance products can help you save money.

For example, bundling homeowners or renters insurance with your car insurance saves you about 12 percent on your policy.

Let’s compare the available products at USAA and Allstate.

Comparing Allstate vs. USAA Insurance Products
Insurance ProductsAllstate AvailabilityUSAA 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
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USAA has the advantage over Allstate when it comes to insurance products. However, more insurance products don’t make one company better than the other.

Which company has more auto insurance options?

A flexible auto insurance company can provide several options for your auto insurance policy. But which company offers more versatility for auto insurance? Let’s compare.

Comparing Allstate vs. USAA Auto Insurance Coverages
Allstate Auto Insurance CoveragesUSAA Auto Insurance Coverages
Collision coverageCollision Coverage
Comprehensive coverageComprehensive Coverage
Bodily Injury LiabilityLiability Coverage
Property Damage LiabilityUninsured & Underinsured Motorist Coverage
Uninsured & Underinsured Motorist CoverageFull Coverage
Rental Reimbursement CoverageRoadside Assistance
Personal Umbrella PolicyPersonal Injury Protection
Personal Injury ProtectionRental Car Reimbursement
Sound System Insurance
Roadside Assistance
Classic Auto Insurance
Travel Auto Insurance to Mexico
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Allstate Insurance has more car insurance options for customers than USAA Insurance. Roadside assistance (sometimes called emergency assistance) is one of the essentials of car insurance.

Today, you can access roadside assistance through mobile apps. The Allstate Mobile App is connected to “my Allstate,” which is another name for an Allstate account.

Meanwhile, you can use a USAA login to manage your USAA account from a smartphone.

Which company has more auto insurance discounts?

The best way to secure affordable Allstate and USAA auto insurance rates are discounts. Take advantage of any bargains you get from an auto insurance company – it can save you thousands per year.

What does this mean for Allstate vs. USAA car insurance rates? Let’s see how discounts stack up between Allstate and USAA.

Comparing Allstate vs. USAA Discounts
Auto 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 have cheaper rates than average, but Allstate has more opportunities to save money. Try and qualify for as many discounts as possible.

You can even get a discount if your vehicle has anti-theft and certain safety features.

If you’re not sure about receiving car insurance discounts, call or email your agent using the contact info on your bill.

Allstate vs. USAA Auto Insurance: Financial Strength and Customer Satisfaction Ratings

Many pros and cons can affect your decision, but the best way to know how well a company performs is by looking at financial strength ratings and customer reviews.

Financial strength and credit rating agencies objectively grade insurance companies, showing you which companies are best with finances and credit and which are the worst.

Let’s review a few of those ratings from the top agencies in the world.

Comparing Allstate vs. USAA Financial Strength and Customer Reviews
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 an overwhelming excellent score across the board. That doesn’t mean Allstate has scored poorly with the same agencies. It just goes to show that USAA is a financially stable company with outstanding customer reviews.

However, Allstate outperforms USAA when it comes to consumer complaint data. According to the National Association of Insurance Commissioners (NAIC), Allstate’s complaint index is lower than average. USAA, on the other hand, has a complaint index that’s higher than average.

Consumer Reports and J.D. Power disagree. J.D. Power’s 2020 Auto Insurance Satisfaction Study™ and 2020 Auto Claims Satisfaction Study™ reported that USAA had some of the best customer reviews in 2020.

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

USAA is the better company overall, but it’s limited to military members and their immediate families. If you’re not part of those groups, you won’t get a USAA policy.

However, you can still get an Allstate auto insurance policy. Don’t worry too much about the cost. There are several discounts you can get when you buy a policy.

Did you learn everything you need to know about Allstate vs. USAA auto insurance? When you’re unsure which company to choose, you can always use our FREE comparison tool to compare auto insurance quotes from the auto insurance companies in your area.

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